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- How Can I Deal with RentDebt Automated Collections?
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RentDebt Automated Collections or RDAC is a third-party collection agency based in Tennessee that specializes in collecting delinquent debt for apartment managers. RDAC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including making false statements and attempting to collect debts not owed. If you have been contacted by RDAC, understand your rights before responding.
According to the Better Business Bureau (BBB), RentDebt Automated Collections, LLC was founded and incorporated in 2007. The BBB established RDAC’s profile page in 2008. RDAC is listed as a collection agency. The BBB lists 6 alternate phone numbers for RDAC.
According to its website, RentDebt Automated Collections is “a collection agency specifically geared to the multifamily industry with a strong focus on exceptional customer-service knowledge and expertise in the multifamily arena.” RDAC “was built on a strong foundation of first-hand property management experience and multifamily collections expertise…[and] offers comprehensive debt collection solutions that effectively remove that burden from property management teams.”
RDAC’s client base is comprised of “approximately 3,000 apartment communities across” the United States. RDAC works with “some of the nation’s leading real estate investment trusts (REITS), owner management, fee management companies, asset companies, affordable housing managers, conventional mangers, and independent rental owners.”
As a full-service collection agency, RentDebt Automated Collections offers its clients a range of services, including a collection methodology based in “client-specific strategies that dig into the details vital to producing successful” results; account processing, analytics, and prioritization; skip tracing; collection letters and calls; debt resolution strategies; flexible payment processing; legal options; technology; reporting; and client access and collaboration.
RentDebt Automated Collections cites affiliations with several professional associations, including the “Professional Practices Management System (PPMS) certification from [the] American Collections Association (ACA) International.” However, their website does not include a consumer protection resources page, and there are no links or references to consumer protection laws or enforcement agencies.
As of December 2017, the BBB has closed 16 complaints against RentDebt Automated Collections in the preceding 3 years, with 4 complaints closed in the past 12 months. Almost all of these complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 21 complaints about RDAC. Justia lists at least 2 cases of civil litigation naming RentDebt Automated Collections as the defendant.
Absolutely. Here are some Sample Cases against RentDebt Automated Collections LLC.
In September 2014, in the United States District Court, Eastern District of Arkansas, Western Division, a judge issued an Opinion and Order in a case alleging RentDebt Automated Collections had violated certain provisions of the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiffs named two defendants—the apartment complex where they formerly lived and RDAC. Charges against the apartment management company included wrongful eviction, violation of landlord/tenant law, conversion, abuse of process, malicious prosecution, defamation, constructive fraud, and violations of the Arkansas Deceptive Trade Practices Act (ADTPA). Charges against RDAC included constructive fraud, negligence, violations of the ADTPA, and violations of the FDCPA.
The case stemmed from an eviction notice served on the plaintiffs by the property management company in July 2013, 2 months after they had moved in. The plaintiffs were locked out of their apartment in August 2013. The plaintiffs filed a wrongful eviction lawsuit, and RentDebt Automated Collections was hired to collect delinquent rent resulting from the eviction.
The claims against the property manager consisted of fairly standard wrongful eviction charges based in Arkansas state law. The charges against RentDebt Automated Collections alleged violations of the FDCPA because the collection notices they received failed to state that the plaintiffs “had the right to dispute the alleged debt; [failed to include] a copy of verification or judgment of the alleged debt; and [failed to include] a statement regarding the name and address of the original creditor.”
The September 2014 hearing did not make any decisions regarding the validity of the plaintiff’s claims or whether the property management company or RentDebt Automated Collections were liable for statutory damages. Instead, the hearing was held to determine jurisdiction. The hearing was held in federal court, but because most of the claims that were considered more likely to be extensively litigated were those based in Arkansas state law, the inclusion of the federal FDCPA statute violations did not determine the final decision. As a result, the court granted the property management company’s motion to dismiss charges on the basis of jurisdiction, remanding them back to District Court. As for the plaintiffs’ FDCPA claims, they were not dismissed either, with the federal court choosing to retain jurisdiction on those counts.
RentDebt Automated Collections, LLC
2802 Opryland Dr.
Nashville, TN 37214-1200
Telephone: (800) 467-2316
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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