RMA Recovery Group LLC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
RMA Recovery Group, LLC (RMA) is a third-party collection agency based in New York state. RMA has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as harassment and making false and misleading statements in an effort to collect a debt. If you have been contacted by RMA Recovery Group about past due financial obligations, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), RMA Recovery Group, LLC is a legitimate collection agency. The BBB established a profile page for RMA in 2016. The Additional Information section of RMA’s Business Information page also indicates that their license to operate as a debt collection agency in Illinois was revoked by the State of Illinois in April 2017; and that their address in New York leads to a mailbox at a United Parcel Service mailing and shipping center.
According to its website, RMA is “an industry-leading innovative solutions provider … whose debt collection team has over 100 years of experience available to achieve client goals and settle…the bottom line.” In addition, RMA is “known for more than… debt recovery services.” RMA also “provides pre-legal, legal, pre-collection, skip tracing, bankruptcy, and dismissal services, all catered to …client goals.”
RMA page indicates that they provide a variety of accounts receivable and collection services. Their small business division offers “fast-thinking professional services provided by…a knowledgeable and trained staff…to help clients recover funds faster and with greater results.” Their commercial services division focuses on business-to-business collections. RMA’s medical collections division “respects patients and their providers… to provide recovery services…that compliment client businesses.” Their utility and service collections division focuses on “utility, service, and retail collections, as well as consumer debt recovery for both secure and unsecured debt.” In addition, RMA offers first-party pre-collection outsourcing and pre-legal debt recovery plans.
RMA Recovery Group compliance policies include inbound and outbound call monitoring; comprehensive, ongoing training; licensing and bonding; a dedicated compliance department; high-end on-site IT resources; and cloud-based data protection. However, they do not provide a page with consumer protection resources and links and references to laws and enforcement agencies.
As of April 2018, the BBB has given RMA Recovery Group a rating of F. The BBB has closed 2 complaints in the past 3 years, with 1 closed in the past 12 months. Both complaints allege problems with billing and collections. The Consumer Financial Protection Bureau (CFPB) has not posted any consumer complaint data about RMA. Justia lists at least 1 case of civil litigation involving RMA..
RMA Recovery Group, LLC
626 N French Rd., Ste. 1
Amherst, NY 14228-2105
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely RMA 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 Cases filed in Federal Court
The BBB has posted an Alert on RMA Recovery Group’s profile page indicating that they have conducted an investigation into RMA’s business practices. The BBB asked RMA to verify several legal aspects of its operations, including “licensing and bonding, where it does business, a list of all physical and remote locations, the company’s Employee Identification Number, and affiliations with other businesses.” RMA has not responded to the BBB’s inquiries. In addition, the BBB posted a general notice to consumers indicating the following:
“Consumers …should be aware of their legal rights when they are contacted by a collection agency. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive and harassing behavior by any debt or collection agency. This act is enforced by the Federal Trade Commission (FTC). The act states specific practices and rules by which debt collectors must abide. There are penalties for agencies found breaking these laws. Collection agency employees must not use crude or offensive language or identify themselves as anyone other than as an employee of the business for which they work. If a consumer believes a debt collection agency has violated any of the FDCPA laws, the BBB encourages them to file complaints with BBB at bbb.org and the Federal Trade Commission at ftc.gov.”
In February 2017, a complainant indicated that she had been contacted by RMA Recovery Group. The complainant expressed her willingness to pay the delinquent debt. She said she had requested an “actual billing statement” but had never received anything. She also claimed that RMA had told her that they had gone to court and won a judgment against her, but she indicated she had not received any notification of the judgement, either. She said she did not want to authorize automatic withdrawals for her bank account; would be willing to send them money orders on a monthly basis; but is still waiting for debt verification and a billing statement. In response, RMA Recovery Group indicated they had sent the complainant billing documentation and a signed payment arrangement. They also indicated they had unsuccessfully attempted to contact her by phone, and that they were willing to re-send billing documentation.
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
Consumers have reported this agency harassing them from the following numbers:
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.
What Our Clients are Saying
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
We can absolutely help. Call us today.
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