Rockford Mercantile Debt Collection Harassment❓
Is Rockford Mercantile harassing you with constant phone calls? Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop thier phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Introduction to Rockford Mercantile Agency Inc
Rockford Mercantile Agency Inc, located at 2502 S Alpine Rd, Rockford, IL 61108, is a reputable collection agency with a long history of providing debt collection services. With over 112 years of experience, the company has established itself as a trusted name in the industry. As a corporation, Rockford Mercantile Agency Inc is committed to providing professional and respectful debt collection practices.
Are they a scam❓
According to the Better Business Bureau website, They have been in business since 1908. There have been 1 complaint closed in the last 3 years and 0 complaints closed out in the last 12 months.
What is Rockford Mercantile Agency Inc❓
They are a full service collection agency. Services include Early Placement Programs, Pre-collection Services, Outsourcing, Bad Debt Recovery Services, etc.
Analyzing trends in debt collection over time can provide valuable insights into the effectiveness of these services and help improve future strategies.
🏛️ Rockford Mercantile Agency Inc Address: 2502 S. Alpine Rd. Rockford, IL 61108-7813
📞 Phone: (800) 369-6116
Company Background and Profile
Rockford Mercantile Agency Inc was founded in 1908 and has been in business for over a century. The company is led by experienced professionals, including Richard Brown, who owned and operated the agency from 1992 to 2021. With a strong commitment to excellence, Rockford Mercantile Agency Inc has built a reputation for providing effective debt collection solutions.
Rockford Mercantile Phone Harassment Examples
While Rockford Mercantile Agency Inc is a legitimate business, there have been instances of phone harassment reported by consumers. It is essential to note that the company is not intentionally engaging in harassing behavior, but rather, some consumers may have had negative experiences with debt collection practices. Examples of phone harassment include repeated calls, threatening messages, and abusive language. If you or someone you know has experienced phone harassment from Rockford Mercantile Agency Inc, it is crucial to report the incident and seek assistance.
Rockford Mercantile Agency Inc Harassment Tactics
If they engage in any of the following tactics, you may have a case:
- 🚫 Using profanity or abusive language
- ⏰ Calling you before 8:00 a.m. or after 9:00 p.m.
- 📞 Calling you multiple times per week
- 🗣️ Talking to others about your debt
- 🏢 Calling your workplace
- ⚖️ Threatening to sue you, harm you, destroy your credit, or use illegal tactics to extract payments
- ❌ Telling you or anyone else that you’ve committed a crime
- 🔁 Calling repeatedly for the wrong person
- 📜 Failing to notify you of your right to dispute the debt
- 💰 Trying to collect more than legally allowed
Rockford Mercantile Agency Phone Numbers
📲 Are you receiving any harassing phone calls from any of the following numbers?
- (800) 369-6116
- (815) 229-3328
If the answer is yes, then you are receiving calls from a known Rockford Mercantile number. You may be a victim of their phone harassment. The list above is not all the numbers that Rockford Mercantile uses. The calls can be from different numbers and it still be Rockford Mercantile calling you. Contact our office right away so we can start the process to stop them from calling you illegally. Above all, no one should live with harassment!
Debt Collection Practices
Rockford Mercantile Agency Inc is subject to the Fair Debt Collection Practices Act (FDCPA), which regulates debt collection practices in the United States. The company must adhere to strict guidelines and protocols when collecting debts, including providing clear and concise information about the debt, respecting consumer rights, and avoiding abusive or harassing behavior. Consumers can learn more about debt collection practices and their rights by visiting websites such as the Federal Trade Commission (FTC) or the (CFPB).
Common Questions:
Is Rockford Mercantile a scam❓
No, Rockford Mercantile has been in business since 1908.
Can they seize my property❓
Rockford Mercantile can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can they sue me❓
Yes, Rockford Mercantile can sue you so long as the debt is within the statute of limitations.
Can they arrest me❓
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
📋 The following is a sample list of complaints filed against Rockford Mercantile and can be found on Pacer.gov.
- 3:18-cv-50209 MacQuarrie v.
- 3:17-cv-50214 McGee v.
- 1:17-cv-02578 Wesselman v.
- 1:17-cv-02183 Hatheway v.
- 3:16-cv-50344 HERNANDEZ v.
CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Rockford Mercantile harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from Rockford Mercantile, call us at 877-700-5790 or visit our website.
Reporting Harassment and Abuse
If you believe you have been a victim of harassment or abuse by Rockford Mercantile Agency Inc, it is essential to report the incident to the relevant authorities. You can file a complaint with the FTC, CFPB, or your state’s Attorney General office. Additionally, you can review the company’s policies and procedures on their website or contact them directly to address any concerns. Rebecca Brown, Richard’s wife, has been involved in various community activities, and the company has a strong commitment to providing excellent customer service.
Debt Collection Regulations
Rockford Mercantile Agency Inc is regulated by various federal and state laws, including the FDCPA, the Illinois Collection Agency Act, and the Rockford Municipal Code. The company must comply with these regulations, which include requirements for licensing, bonding, and insurance. Consumers can access information about debt collection regulations and their rights by visiting government websites or contacting consumer protection agencies. With the use of data and tools, the company can provide effective solutions for businesses and consumers, while also respecting the device and Instagram preferences of its clients. In IL, consumers can learn more about debt collection practices and regulations by visiting the Illinois Attorney General’s website or contacting local consumer protection agencies.
Success Stories
- 🏆 Rockford Mercantile Agency called me 10+ times a day, even after I told them I couldn’t pay immediately. They threatened wage garnishment and left voicemails with abusive language. I was terrified until I found Consumer Rights Law Firm PLLC. They reviewed my case for free and discovered multiple FDCPA violations, including calls before 8 a.m. and false legal threats. Within weeks, the calls stopped, and the firm secured a settlement that covered my damages—all without costing me a dime. If you’re being harassed, don’t wait—call them!
- 🏆 The harassment was unbearable: calls at work, threats to sue, and even contacting my neighbor about the debt. I felt helpless until Consumer Rights Law Firm PLLC took my case. They documented every violation (including calling outside allowed hours and disclosing my debt to third parties) and filed a lawsuit. Rockford Mercantile settled quickly—I received a check for harassment damages, and the firm covered all legal fees. If you’re suffering, these attorneys are warriors!
- 🏆 Rockford Mercantile kept demanding payment for a medical bill I’d already paid. Despite sending proof, they reported it to credit bureaus, tanking my score. Consumer Rights Law Firm PLLC stepped in, proving the debt was invalid and that the agency violated the FDCPA by failing to validate the debt. They not only got the collections removed from my report but also won me $1,000 in statutory damages. Their team was transparent and aggressive—highly recommend!
