Updated by Attorney Derek DePetrillo on April 08, 2024
Rocky Mountain Capital Management LLC Debt Collection Harassment?
Rocky Mountain Capital Management LLC Debt Collection Harassment? Debt collectors employ various tactics in their debt pursuits. Some of these tactics are lawful while some are unlawful and unfair to the consumer. Most times, debt collectors are only interested and concerned about getting money from you and not your comfort or peace, so, they do not mind making numerous calls to your phone and intimidating you with abusive words. They can even go as far as calling and harassing your friends and family. If you are experiencing any of the above, it is not peculiar to you. Many people have and are experiencing the same dilemma.
Although debt collectors are legal agencies who have the job of pursuing debts, they are not untouchable or unstoppable. When a debt collector goes too far, they can be stopped. Debt collectors who harass and threaten debtors are violating the FDCPA and thus should not be tolerated.
Furthermore, if a debt collector lies to you about anything, be it their identity, the amount of the debt, or the interest rate, it is also a violation of the laws laid down for the protection of your consumer rights. Violating the FDCPA has implications, you may be entitled to statutory damages up to $1000, plus Rocky Mountain is responsible for paying your attorney fees. Call us now on 877-700-5790.
What times are debt collectors not allowed to call me?
Although debt collectors are allowed to call you to discuss your debts, they have restrictions. Some debt collectors go too far with their calls, making countless annoying phone calls to debtors. People have complained of getting called by debt collectors late at night, or in the very early hours of the morning.
Desperate debt collectors usually do not respect people’s boundaries, privacy, and peace of mind. So, they go as far as making calls at odd and uncomfortable times. This makes it really important for debtors to be aware of their rights and know when the law restricts debt collectors from calling them.
Being ignorant of your rights will make you subject to many unfair treatments from debt collectors. The FDCPA laid down certain rules governing the time debt collectors can call. Some of them are discussed in the paragraphs below.
Debt collectors are not allowed to call you at odd hours of the day: Specifically, the FDCPA says that before 8 am and after 9 pm, no debt collector is allowed to call you. The only exception to this is if you gave your consent and asked the debt collector to call you at these times.
Debt collectors are not allowed to call you during work hours or at your workplace: The FDCPA prohibits debt collectors from calling you at work if you have made it clear to them that it isn’t allowed. Any debt collector who calls your workplace after you have told them not to is violating the FDCPA.
If debt collection calls are becoming distressing and stressful to you, you do not have to put up with them. You have the option of writing to the collection agency, asking them not to call you anymore and except it is to notify you of impending legal action.
You must be aware that debt collectors are not allowed to call you after you send such a letter.
Can Rocky Mountain Capital Management harass my family?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from harassing or abusing debtors or their family members while attempting to collect a debt. This means that debt collectors cannot engage in conduct that causes harassment, oppression, or abuse to any person in connection with the collection of a debt.
Specifically, debt collectors are prohibited from disclosing information about a debt to anyone other than the debtor, their spouse, or their attorney. They are not allowed to discuss the debt with family members, friends, neighbors, or coworkers unless they have been given permission by the debtor to do so.
Furthermore, debt collectors are prohibited from using tactics that may embarrass or shame the debtor, such as contacting them at inconvenient times or places or using profane or abusive language. This prohibition extends to communication with family members as well. Debt collectors cannot contact a debtor’s family members in a way that would harass, oppress, or abuse them.
If a debt collector violates these provisions of the FDCPA by harassing or abusing a debtor’s family members, the debtor has the right to take legal action. They can file a complaint with the Consumer Financial Protection Bureau (CFPB) or pursue a lawsuit against the debt collector for violations of the FDCPA. Additionally, they may seek damages for any harm caused by the debt collector’s actions.
It’s important for debtors to understand their rights under the FDCPA and to be aware of the protections afforded to them and their family members. If they believe that a debt collector has engaged in harassment or abuse, they should document the conduct and consider seeking legal advice to protect their rights and hold the debt collector accountable.
According to their website, Rocky Mountain Capital Management was founded in 2015 by a team with 37 years of credit experience, Rocky Mountain Capital Management has specialized in delinquent account receivables bringing integrity, and the highest standards of compliance, to debt servicing. Rocky Mountain Capital Management is a privately held company founded on wholesome family values and conducts business with respect, dignity, and fairness.
Rocky Mountain Capital Management purchases charged off assets from credit issuing entities in the following vertical markets:
Credit Cards
Consumer Loans
Auto Loans
Utilities
Telecommunications
Student Loans
Medical Receivables
Contact Information
Address:
3829 Forest Pkwy Ste 200
N Tonawanda, NY 14120-3764
Phone: (855) 542-8080
Fax Numbers
(716) 264-4948
Is Rocky Mountain Capital Management a Scam?
No, Rocky Mountain Capital Management is a debt buyer which has been in business for 8 years. There have been 13 complaints closed in the last three years and 2 complaints closed in the last 12 months.
Read more here Rocky Mountain Capital Management Better Business Bureau
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Rocky Mountain Capital Management. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
