RJM Acquisitions LLC usually reaches out because it claims it now owns or services an old consumer account and wants payment on that balance. Before you return a call or agree to anything, your safest move is to get the claim in writing so you can confirm the original creditor, the account reference, the amount breakdown, and whether the debt is actually connected to you. If the contact feels like “pay first, explain later,” or the messages keep repeating without clear account details, that conduct could indicate a compliance issue under federal debt-collection rules, depending on the specific facts. The goal is simple: verify the identity, verify the debt, and then decide what action makes sense.
Table of Contents
- Who Is RJM Acquisitions LLC?
- Why Does Contact You?
- What Harassment Can Look Like
- Is Breaking the Law?
- Lawsuits Against
- How to Stop Collection Calls
- What Proof to Request to Verify the Debt
- What to Do If They Mention Legal Action
- Get Help With Harassment
Who Is RJM Acquisitions LLC?
RJM Acquisitions LLC is publicly described as a purchaser of consumer debt that contacts consumers primarily by mail with settlement or repayment offers.
Public business listings and the company’s website identify RJM as a Syosset, New York company, and those sources list a Underhill Blvd address.
If you do not recognize the name, that can happen because the original creditor name is often different from the company now trying to collect.
Why Does RJM Acquisitions LLC Contact You?
RJM Acquisitions LLC may contact you if it believes you owe a consumer debt it purchased from another company. Public business directory text describes RJM as purchasing debt from banks and other institutions and then sending letters offering settlement or repayment options.
Common “why me” scenarios include:
- An older credit card or consumer account that was sold after charge-off
- A balance tied to an old address or prior name variation
- A wrong-person match (mixed file)
- A debt that may be past the statute of limitations, but still being requested as voluntary payment (this depends on the account, state, and dates)
If you think the account might be old, do not guess. You may want to confirm the dates and your state’s statute of limitations before you decide what to do next.
What RJM Acquisitions LLC Harassment Can Look Like
RJM Acquisitions LLC harassment concerns usually come up when a consumer feels pressured to act before the company provides clear documentation.
Examples that may indicate a problem (depending on frequency and content):
- Repeated letters that do not clearly identify the original creditor or account number
- Calls that feel “urgent” but do not give written details first
- Conflicting answers about the balance, fees, or who owns the debt
- Pressure to “pay today” even after you request validation
Important company-specific context: a Federal Trade Commission closing letter describing RJM’s time-barred debt practices stated that RJM represented it “does not initiate telephone calls” in connection with collecting time-barred debts and relies on letters. Practices can change over time, but that public FTC document is one reason many consumers report letter-driven pressure.
Is RJM Acquisitions LLC Breaking the Law?
RJM Acquisitions LLC conduct might violate the FDCPA if it uses harassment, false statements, misleading threats, or improper disclosures. The FDCPA restricts abusive tactics and deceptive representations by third-party debt collectors. Federal debt collection law.
If you believe contact is too frequent, Regulation F also includes a federal “call-frequency” presumption tied to a specific debt (for example, repeated calls within a short window can be treated as presumptively harassing depending on what happened and whether you spoke).Regulation F – Debt Collection Rules
What matters most in real situations:
- Documentation: whether they can verify the debt and ownership
- Accuracy: whether the amount and dates match real records
- Conduct: whether messages rely on threats, deception, or improper disclosure
Lawsuits Against RJM Acquisitions LLC
RJM Acquisitions LLC has been involved in FDCPA litigation, including cases focused on collection letters and how consumers could interpret them. These cases are fact-specific and do not prove every consumer contact is unlawful, but they show the types of claims consumers have brought.
Examples of published cases involving RJM include:
- Stark v. RJM Acquisitions LLC (class-related Fair Debt Collection Practices Act (FDCPA) litigation in federal court)
- Carpenter v. RJM Acquisitions LLC (FDCPA-related claims tied to collection communications)
- Norman v. RJM Acquisitions LLC (FDCPA dispute involving alleged collection conduct)
- Smith v. RJM Acquisitions LLC (FDCPA allegations describing letter/collection issues in federal court filings)
If you think a letter is misleading, keep the envelope and all pages. The exact wording and dates can matter.
Contact Information
Use verified sources to match the entity before you share personal details. RJM Acquisitions LLC identifiers commonly listed in public directories include:
| Item | What to match | Why it matters |
| Company website | https://www.rjmacq.com | Helps confirm you reached the intended company |
| Address (commonly listed) | 575 Underhill Blvd #224, Syosset, NY 11791 | Confirms the entity in business directories |
| Phone (commonly listed) | (516) 733-6152 | Matches a major business directory listing |
Other phone numbers you might see
Collectors can use multiple lines, and scammers can spoof caller ID. If your letter shows a different number, treat it as a verification issue until you confirm it matches the written notice.
Numbers publicly associated with RJM in directory-style sources include:
- (516) 714-1350
- (800) 644-8075
How to Stop RJM Acquisitions LLC Collection Calls
If you want the fastest “pressure reduction,” the goal is simple: move everything into writing.
- Stop live phone discussions
Let calls go to voicemail. Save recordings and screenshots of your call log. - Send a written validation request
Ask for written proof and ownership details. Do not negotiate until you get it. - Keep a single file folder
Envelope, letters, payment demands, voicemails, and your timeline notes. - Limit communications in writing (if needed)
If you believe contact is excessive, you can request limits on how and when they contact you. Keep proof of delivery.
If you think the contact may be a scam, report it at FTC fraud reporting website.
What Proof to Request to Verify the Debt
When RJM Acquisitions LLC contacts you, request proof that lets you verify identity, ownership, and math.
Ask for:
- Original creditor name and the original account reference
- The date of default (or charge-off) and the last payment date
- An itemized balance breakdown (principal, interest, fees)
- Proof the debt was transferred to the current owner (chain of title or assignment summary)
- The name and address of the current owner of the debt
If they cannot provide meaningful verification, that could indicate a wrong-person attempt, missing documentation, or an account you should dispute.
What to Do If They Mention Legal Action
If RJM Acquisitions LLC (or a law firm calling for them) mentions a lawsuit, treat it as serious only when you see real court paperwork.
A real lawsuit usually includes:
- A summons and complaint
- A court name and case number
- A deadline to respond
If you only receive vague threats, request written validation and do not admit the debt on the phone.
Get Help With Harassment
If you believe RJM Acquisitions LLC harassment has crossed the line, legal support may help you document the pattern, demand proof correctly, and stop improper contact.
Consumer Rights Law Firm PLLC helps consumers respond to aggressive collection activity with a clear paper trail. If you believe a collector is calling too often, using misleading pressure, reporting inaccurate information, or contacting third parties, the firm can review your calls, letters, and credit reports and explain which facts matter. They may help you request debt validation, send a targeted communication-limits letter, dispute credit reporting, and prepare regulator complaints when appropriate. If the conduct appears to potentially violate the FDCPA, TCPA, or Fair Credit Reporting Act (FCRA), they can discuss legal options and possible remedies. They may assist nationwide when permitted.
Consumer Rights Law Firm PLLC
Location: 133 Main Street, Second Floor, North Andover, MA 01845
Phone: +1 877-700-5790
Email: help@consumerlawfirmcenter.com
Success Stories
“For weeks, my phone wouldn’t stop buzzing with calls from a debt collection agency. They were aggressive, rude, and even called my workplace. I was embarrassed and stressed out every single day. A coworker told me about Consumer Rights Law Firm, and I decided to give them a try. The moment I spoke with them, I felt relieved—they understood exactly what I was going through. They gathered all the details, handled the collectors directly, and the harassment ended almost overnight. I can finally answer my phone without anxiety.”
“I didn’t realize how much constant debt collection calls were affecting my mental health until they stopped. CRLF took my case seriously from day one, explained my legal options in plain English, and handled all the communication with the collectors. In less than a week, my phone went silent. The peace and quiet felt like a huge weight off my shoulders. They’re professional, compassionate, and genuinely care about helping people.”
“The collection agency calling me wouldn’t take ‘stop calling’ for an answer. I tried blocking their number, but they just used new ones. I felt trapped until I reached out to Consumer Rights Law Firm. Their team worked quickly, documented every call, and sent a strong legal message that made the harassment end immediately. I’m so grateful to them for restoring my privacy and peace of mind. If you’re dealing with the same problem, CRLF is the best solution.”
Common Questions About RJM Acquisitions LLC
Why is RJM Acquisitions LLC contacting me?
Notice from them may mean it believes it owns or services an alleged debt tied to your name. Your safest move is to request written validation before paying or confirming details.
Is RJM Acquisitions LLC a real company or a scam?
This appears in public business listings with a Syosset, New York address and website. Scams can still happen, so match the letter details to verified listings before sharing personal information.
What is “debt validation” and why does it matter?
Debt validation is your request for written proof of the debt and ownership. If the collector cannot provide clear documentation, that may support a dispute or indicate a wrong-person attempt.
What should I do if the debt is not mine?
If you think the debt is not yours, dispute it in writing and request documentation showing why they matched it to you. Avoid making payments “just to stop letters,” because that can create new problems.
Can RJM Acquisitions LLC call me repeatedly?
Repeated calls about the same debt may be restricted under federal rules depending on what happened and how often. If you believe the frequency is excessive, document it and consider sending a written request to limit communications.
Can they sue me?
A lawsuit may be possible if the debt is valid and within the statute of limitations in your state. A real lawsuit comes with court paperwork and deadlines, not just phone urgency.
What if the debt is too old?
Old debt can be complicated. If you believe the account may be time-barred, ask for the key dates in writing (last payment, default, charge-off) and consider legal guidance before you pay.
How do I stop letters and calls?
Move the situation into writing: request validation, keep records, and send a communication-limits request if needed. Save envelopes and screenshots so you can prove the pattern.
Where can I report a debt collection scam?
If you believe you are dealing with impersonation or fraud, report it at Report fraud to the FTC.
How can Consumer Rights Law Firm PLLC help?
They can help you organize evidence, request validation, dispute inaccurate accounts, and evaluate whether the conduct may violate FDCPA, TCPA, or FCRA rules depending on the facts. Call +1 877-700-5790.
