Rosenthal Morgan & Thomas Phone Harassment?
Rosenthal Morgan & Thomas Phone Harassment? Are they calling you at all hours or several times a day? If so, what they are doing is illegal and needs to stop. The Fair Debt Collection Practices Act (FDCPA) was instituted to safeguard consumers from abusive practices by debt collectors. However, despite the guidelines in place, instances of phone harassment persist. Phone harassment in debt collection can manifest in various forms, including incessant calls, threatening language, misrepresentation, and other actions or tactics that go beyond the boundaries set by the FDCPA. 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.
Is Rosenthal Morgan & Thomas a Scam?
According to the Better Business Bureau website, Rosenthal Morgan & Thomas has been in business for 16 years. There have been 17 complaints filed against RMT with the BBB.
Rosenthal Morgan & Thomas Better Business Bureau
Who is Rosenthal Morgan & Thomas Debt Collector?
Rosenthal, Morgan & Thomas, also known as RMT, is third party debt collector located in St. Louis Missouri. Rosenthal Morgan & Thomas is a well-known player in the debt collection industry, often engaged by creditors to recover outstanding debts. While the necessity of debt collection is acknowledged, concerns have been raised about the agency’s adherence to ethical practices, particularly in the realm of phone communications. Numerous consumer complaints suggest a pattern of behavior that goes beyond the acceptable standards outlined by the FDCPA.
Address: 12747 Olive Blvd STE 250
Saint Louis, MO 63141-6278
Phone: (314) 786-0070
Rosenthal Morgan & Thomas Collection Tactics
If Rosenthal Morgan & Thomas engages 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, or destroy your credit.
- 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.
Be sure to note the date, time, and content of any of these tactics if you experience them.
Rosenthal Morgan & Thomas Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-361-0363, 314-786-0070, (800) 361-0363, (314) 786-0070, 8003610363, 3147860070, 314-590-0885
If the answer is yes, then you are receiving calls from a known RMT number. You may be a victim of RMT phone harassment. The list above is not all the numbers that RMT uses. The calls can be from a different number, and it still be Rosenthal Morgan & Thomas calling you. Harassment can also occur through text messages, so be sure to document any unwanted text communications as well. Contact our office right away so we can start the process to stop RMT from calling you illegally. Above all, no one should live with harassment!
Consumer Rights and Protections
When dealing with debt collectors such as Rosenthal, Morgan & Thomas, it’s crucial to understand your rights and the protections available to you under the law. The Fair Debt Collection Practices Act (FDCPA) was created to ensure that consumers are treated fairly and respectfully by any debt collector or collection agency. This federal law sets clear boundaries on what companies can and cannot do when attempting to collect debts, helping you maintain control over your financial situation.
One of the most important rights you have is the ability to obtain accurate information about your debt. Debt collectors are required to provide you with a written notice detailing the amount owed, the name of the creditor, and your right to dispute the debt. This notice must be sent within five days of their first contact with you. Take the time to review this information carefully—if anything seems incorrect, you have the right to respond and request verification. This step is essential to protect yourself from errors or potential scams.
If you believe a debt collector has violated fair debt collection practices, you are not powerless. You can take legal action, and in some cases, you may be entitled to receive damages. It’s also wise to create a record of all communications with the debt collector, including dates, times, and the content of each conversation. This documentation can be invaluable if you need to file a complaint or pursue a case.
The Better Business Bureau (BBB) is a helpful resource for reviewing the reputation and business practices of debt collection companies. Before engaging with any agency, take a moment to check their BBB profile and read reviews from other consumers. This can help you make informed decisions and avoid companies with a history of complaints.
Be aware of any upfront costs or fees associated with debt collection services. Reputable companies should be transparent about their charges, and you should never feel pressured to pay more than what is legally required. If you’re unsure about any aspect of your account or the amounts being requested, don’t hesitate to seek clarification or professional advice.
In addition to federal protections, many states have their own laws regulating debt collection practices. These state laws may offer additional safeguards and remedies, so it’s important to learn about the specific regulations in your area. If you feel your rights have been violated, you can file a complaint with the Federal Trade Commission (FTC) or your state Attorney General’s office. Taking this action not only helps protect your own interests but can also improve the system for others.
For those who need extra support, law firms specializing in consumer protection—such as The Wood Law Firm—can provide valuable guidance. With years of experience handling debt collection cases, these firms can help you understand your rights, respond effectively to debt collectors, and take the necessary steps to protect your financial security.
Remember, the job of a debt collector is to collect debts, but they are also required to represent their company in a professional and lawful manner. By staying informed, reviewing all communications, and seeking help when needed, you can take control of your financial situation and ensure your rights are respected. If you have questions or need assistance, don’t hesitate to reach out to a reputable law firm or visit their website for more information on the services they provide.
Taking the time to understand your rights and protections is the first step toward improving your financial well-being and reducing the stress associated with debt collection. Stay proactive, keep detailed records, and don’t be afraid to take action if you feel your rights have been violated.
Common Questions
Is RMT a scam? No, Rosenthal Morgan & Thomas has been in business for 16 years.
Can Rosenthal Morgan & Thomas garnish my wages? Yes, RMT can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can RMT sue me? Yes, RMT can sue you so long as the debt is within the statute of limitations.
Can RMT report my debt to the collection’s bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report.
Can RMT 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.
If you need assistance or want to resolve an issue with Rosenthal Morgan & Thomas, you can also contact them via email for support.
The following is a sample list of complaints filed against Rosenthal Morgan & Thomas in the past year and can be found on Pacer.org.
5:14-cv-00913-F Allen v. Rosenthal Morgan and Thomas Inc
1:18-cv-01306-WCG Bunch v. Rosenthal Morgan and Thomas Inc. et al
2:16-cv-01912-JCM-VCF McFate v. Rosenthal Morgan and Thomas, Inc.
About Us
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. We work on behalf of our clients to stop the Rosenthal Morgan & Thomas harassment and protect their rights. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Rosenthal Morgan & Thomas call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
Clients can choose the Consumer Rights Law Firm for their expertise in handling debt collection harassment cases.
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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