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.
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 is often referred to or searched for by other names. These include:
rtr financial services, rtr financial, rtr financial services complaints, rtr financial services inc, rtr financial services hempstead ny, rtr financial services complaints
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 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 a different number 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.
Is RTR a scam? No, RTR Financial Services has been in business for 20 years.
Can RTR garnish my wages? Yes, RTR can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can RTR sue me? Yes, RTR can sue you so long as the debt is within the statute of limitations
Can RTR report my debt to the collection bureaus?
Can RTR arrest me?
The following is a sample list of complaints filed against RTR Financial Services in the past and can be found on Pacer.org.
1:15-cv-06278-KAM-SMG Levi v. RTR Financial Services
1:15-cv-05739-KAM-SMG Rodriguez v. RTR Financial Services
1:15-cv-04025-RRM-RER Laniado v. RTR Financial Services
7:17-cv-06346-VB Pavlik v. RTR Financial Services
1:13-cv-00235-RJD-RLM Lowenbein v. RTR Financial Services
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 at www.consumerlawfirmcenter.com. We offer a free case review to individuals dealing with RTR Financial Services phone harassment, helping you understand your rights and options.