RTR Financial Services Phone Harassment?

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RTR Financial Services

RTR Financial Services Phone Harassment?

Is RTR Financial Services (RTR) calling you? Stop RTR Financial Services phone harassment. Do they threaten to take legal action or garnish your wages? Wage garnishment is a legal process that can occur if debts remain unpaid. 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 RTR phone harassment. Consumers may receive calls from RTR Financial Services or unknown numbers, and should verify the legitimacy of the debt. It is important to know your rights when contacted by debt collectors. 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. Debt collection laws at both the federal and state level protect consumers from unfair practices. State law may provide additional protections and rights for consumers.

If RTR threatens legal action, be aware that failing to respond to a lawsuit can result in a default judgment, which may lead to wage garnishment or other legal consequences.

To stop harassment, it is important to send letters, such as cease and desist letters, to document your request for the collector to stop contacting you.

If you are unsure how to handle debt collection harassment or disputes, seek professional help.

Is RTR Financial Services a Scam?

RTR Financial Services is a debt collection agency that has been in business for 20 years, according to the Better Business Bureau website. RTR Financial Services’ accreditation and complaint history can be found on the BBB website. If you need to verify their compliance, you can check their license number, which is provided in state licensing records. There have been 6 complaints filed against RTR with the BBB. Some of these complaints have been reported to the BBB and other consumer protection agencies.

Read more here: RTR Financial Services Better Business Bureau.

Who is RTR Financial Services?

RTR Financial Services is a third-party debt collector located in Staten Island, New York. RTR Financial Services collects various types of debts, including medical bills and other outstanding balances. The company specializes in medical collections and often pursues unpaid medical bills, even when insurance does not cover all expenses. As a debt collection agency, RTR collects and attempts to recover debts on behalf of creditors. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Before engaging with RTR Financial Services, it is important to verify whether you actually owe money. Inaccurate information on credit reports can result from debt collection activities, so consumers should review their credit reports for errors. RTR Financial Services may report debts to credit bureaus, which can impact your credit standing.

Address: 2 Teleport Drive, Suite 302 Staten Island, NY 10311-1004

Phone: (718) 668-2881

For contacting RTR Financial Services, you can use their phone number or telephone number listed above. It is important to contact RTR Financial Services directly to verify the legitimacy of any debt claims.

RTR Financial Services Collection Tactics

If RTR Financial Services engages in any of the following tactics, you may have a case:

  • Using obscene language or profane language during collection calls, which is prohibited by law.
  • Attempting to collect payment without proper debt verification; always verify the debt before you pay.
  • Making frequent or harassing personal calls or telephone calls, especially outside of permitted hours. You have the right to limit or stop such calls.
  • Threatening legal action or arrest.
  • Calling you at work after you’ve told them not to.
  • Contacting you after you’ve requested in writing that they stop.
  • Discussing your debt with third parties.
  • If you settle a debt for less than the full amount, it can be marked as paid, which may improve your credit standing.

RTR Financial Services

RTR Financial Services Phone Numbers

  • 📲 718-668-2881
  • 📲 914-644-1701
  • 📲 (718) 668-2881
  • 📲 (914) 644-1701
  • 📲 718-668-2881
  • 📲 914-644-1701

If the answer is yes, then you are receiving calls from a known RTR number. You may be a victim of RTR phone harassment. The list above is not all the numbers that RTR uses. The calls can be from different phone numbers and it still be RTR Financial Services calling you. Consumers have specific rights and may need to respond to certain notices or requests from RTR Financial Services within seven days to protect their interests. Contact our office right away so we can start the process to stop RTR from calling you illegally. Above all, no one should live with harassment!

Federal Regulations and Laws: Your Rights Against Debt Collection Harassment

When dealing with debt collectors like RTR Financial Services, it’s crucial to know your rights under federal and state laws. The Fair Debt Collection Practices Act (FDCPA) is a cornerstone of fair debt collection practices, designed to protect consumers from abusive, deceptive, or unfair tactics by debt collection agencies. Under this federal law, debt collectors are strictly prohibited from using harassment, repeated phone calls, or making false or misleading statements in their collection efforts. This means that if you’re receiving unwanted calls, threats, or misleading information from a collection agency, you have legal protections on your side.

One of your most important rights under the FDCPA is the ability to request a written validation notice from the debt collector. This notice must provide detailed information about the debt, including the amount owed, the name of the original creditor, and your right to dispute the debt. If you believe the information is inaccurate or you do not owe the debt, you can request that the collection agency provide proof. If the debt collector cannot provide this, they must stop further communication and collection attempts.

In addition to the FDCPA, other federal laws offer further protection. The Telephone Consumer Protection Act (TCPA) restricts debt collectors from making unwanted calls to your cell phone, while the Electronic Fund Transfer Act (EFTA) safeguards you from unauthorized electronic payments. These federal laws work together to ensure that debt collection practices remain fair and that your rights as a consumer are respected.

State and federal laws also empower you to take action if you experience harassment. You can file complaints with the Better Business Bureau, the Federal Trade Commission, or your state’s consumer protection agency if a collection agency violates your rights. These organizations investigate complaints and can take action against debt collection agencies that engage in unfair or deceptive practices.

If you want to stop debt collection harassment, you have the right to send a cease-and-desist letter to the debt collector, instructing them to halt all further communication. You can also request a debt validation letter to ensure the debt is legitimate and the amount is correct. If the collection agency cannot provide proof, they must cease collection efforts.

Remember, if a collection agency violates the FDCPA, you may be entitled to statutory damages of up to $1,000, plus attorney’s fees and costs. Understanding your rights under the debt collection practices act and other federal laws can help you take control of your financial situation and protect yourself from unfair debt collection practices.

If you’re facing persistent debt collection calls or harassment from RTR Financial Services or other debt collection agencies, consider seeking professional assistance from a law firm or credit counseling agency. Taking these steps can help you stop unwanted calls, protect your credit report, and ensure that your rights are upheld throughout the debt collection process.

RTR Financial Services

Complaints Against RTR Financial Services

The following is a sample list of complaints filed against RTR Financial Services in the past and can be found on Pacer.gov.

  • 📋 1:15-cv-06278-KAM-SMG Levi v.
  • 📋 1:15-cv-05739-KAM-SMG Rodriguez v.
  • 📋 1:15-cv-04025-RRM-RER Laniado v.
  • 📋 7:17-cv-06346-VB Pavlik v.
  • 📋 1:13-cv-00235-RJD-RLM Lowenbein 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 RTR Financial Services harassment. Clients may also be eligible for debt relief after addressing debt collection 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 harassment from RTR Financial Services, call us at (877)700-5790 for immediate assistance or visit our website. We offer a free case review to individuals dealing with RTR Financial Services phone harassment, helping you understand your rights and options.

Success Stories

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Frequently Asked Questions

Q1: Who is RTR Financial Services and why are they calling me?
A: RTR Financial Services, Inc. is a debt collection agency founded in 1998, focusing on medical and healthcare-related collections. If they call, they believe you owe a debt placed with them for collection.

Q2: Is RTR Financial Services a legitimate debt collector or a scam?
A: RTR is BBB-accredited since 2016 and services medical and municipal creditors. They are generally legitimate, though some consumers report aggressive or confusing calls. You should always request written validation of any debt first.

Q3: What phone numbers does RTR Financial Services use?
A: They may call from a rotating set of numbers such as 718-668-2881, 718-303-7699, 914-644-1701, 718-351-1759 and others. These numbers are commonly reported by those receiving collection calls.

Q4: Can RTR Financial Services legally harass me with phone calls?
A: No. Under the federal FDCPA and applicable state laws, debt collectors may not use threats, obscene language, or call before 8 a.m. or after 9 p.m. If they do, that constitutes illegal harassment.

Q5: What should I do if RTR Financial Services keeps calling me?
A: Document each call (date, time, content), send a written request for validation or a cease-and-desist letter, and file complaints with the FTC or CFPB if calls continue. You may also consult a consumer attorney.

Q6: How can I dispute or validate a debt with RTR Financial Services?
A: You have a right under the FDCPA to request written validation of any debt within 30 days of first contact. Until validation is provided, they cannot continue collection efforts.

Q7: Can I sue RTR Financial Services for violations or harassment?
A: Yes. If RTR violates FDCPA or TCPA rules—such as repeated calls, robocalls, or abusive language—you may be entitled to damages, plus attorney’s fees, under consumer protection laws.

Q8: Does RTR Financial Services report debts to credit bureaus?
A: RTR Financial Services does not itself report accounts to major credit bureaus; reporting is typically done by the original creditor, not RTR.

Q9: Why do consumers complain about aggressive practices from RTR Financial Services?
A: Many consumers report feeling pressured, receiving inconsistent balances, or having calls with high frequency. RTR has been sued many times, and critics say it sometimes inflates debt amounts with added fees.

Q10: What if RTR Financial Services threatens to sue or garnish my wages?
A: RTR typically does not sue consumers directly. Wage garnishment can only occur if there is a court judgment. If you’ve received threats of lawsuit, consult legal help immediately.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.