Rickart Collection Systems Inc or RCS is a third-party collection agency based in New Jersey. RCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and failure to verify debts. If you have been contacted by RCS, make sure you understand your rights before responding.
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According to the Better Business Bureau (BBB), Rickart Collection Systems, Inc. was founded in 1970 and incorporated in 1972. The BBB established a profile page for RCS in 1994. RCS is listed as a collection agency. Buzzfile estimates RCS’s annual revenue at $2.4 million, and the size of its headquarters staff at 30 employees.
According to its website, RCS “has met the challenge of creating new collection programs to fit many different situations” with a mission of “converting non-performing assets into operating capital, by creating a customized collection program for each client.”
RCS utilizes the Ontario Systems Flexible Automated Collection System (FACS). As a full-service collection agency, RCS offers telephone interaction; step demand letters; skip tracing; multiple payment options, including payments by phone, credit card, ACH, and US mail; credit reporting; and customized collection letters. In addition, their litigation team manages client-authorized suit filing and a network of elite worldwide attorneys specializing in credit and collection.
RCS collects delinquent debts for banks; cellular telephone companies; communications providers; contractors; credit unions; dental service providers; education lenders; financial services providers; healthcare providers; insurance companies; leasing agents; media companies; publications; utility service providers; and veterinarians.
RCS states that “compliance with local, state, and federal regulations is a top priority, e.g., the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), the Health Insurance Portability and Accountability Act (HIPAA), the Gramm-Leach Bliley Act (GLBA) and the Consumer Financial Protection Bureau (CFPB).” They also cite membership with several professional associations. However, their website does not include an easily accessible page with links and references to consumer protection resources, laws, and enforcement agencies.
The BBB has closed 7 complaints against Rickart Collection Systems in the preceding 3 years, with 3 complaints closed in the past 12 months. Almost all of those complaints alleged problems with billing and collections. Since October 2015, the Consumer Financial Protection Bureau (CFPB) has closed 6 complaints against RCS. Justia lists at least 2 cases of civil litigation involving RCS.
Rickart Collection Systems, Inc.
575 Milltown Rd.
N. Brunswick, NJ 08902-3321
Telephone: (800) 742-5278
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely RCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
Complaints against Rickart Collection Systems commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In October 2016, a complainant indicated he had been contacted by RCS regarding a delinquent debt, but RCS had provided confusing and misleading information. The complainant stated that RCS “sent me bills that show at least two different amounts,” and that the “difference in these bills was almost $200.” The complainant also stated that he had been paying RCS $20 per month and had written and contacted them several times requesting information to clarify the billing discrepancy. In addition, the complainant indicated that “as far as he knows, there is no interest that is added to a collection account and he was very suspicious that their not contacting him back is showing shady business operations.” The complainant was “concerned whether they are crediting his account.” After another attempt at contacting them, the complainant indicated that RCS had “the nerve to send him… last week…RUDE correspondence indicating he was refusing to pay his bill.” The complainant alleged that RCS was “refusing to contact him to tell him why they are trying to overbill” him, and that he did not feel obligated to pay anything further “until they respond to his legitimate question.” He concluded by stating that he could not understand why RCS said he was not paying his account when he had been in continual contact with them; nor why they were not crediting his account for the payments he had already made.
In response, Rickart Collection Systems stated that they had been applying payments as they were received. They posted an accounting of payments received and posted. They also posted a current balance and stated that they had answered all of his correspondence. They indicated that they would “send directly to the consumer validation of these accounts showing the amount due.” Although they did not directly answer any of the complainant’s concerns, they advised him that if he needed additional information, he should contact them with questions.
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 receiving 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.
We can make them STOP!✋
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 NOW.
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