Rosenthal, Morgan & Thomas, Inc or RMT 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.
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Rosenthal, Morgan & Thomas, or RMT is a full-service third-party debt collection agency based in St. Louis, MO. RMT has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as harassment and failure to verify debts. If Rosenthal, Morgan & Thomas,has been contacting you about delinquent debts, make sure you know your rights before responding.
The Better Business Bureau (BBB) indicates that Rosenthal, Morgan & Thomas was founded and incorporated locally in Missouri in 2003. The BBB opened its file on RMT at about the same time. Buzzfile estimates RMT’s annual revenue at $750,000 and estimates the size of their headquarters staff at 9 people.
Rosenthal, Morgan & Thomas collects delinquent debts for financial services companies; utilities; security contracts; cable and satellite; bank cards; storage facilities; automotive loans; and commercial debt. Their philosophy is that “a business is only as good as the people it [employs,] and we work hard to attract the best of the best [within] the collections industry.” Their website states that their goal or mission “is to recover as much of your money owed to you as humanly/legally as possible and that’s our job, bottom line.” They cite tough economic times as an acceptable justification for “adjusting…internal procedures to remain profitable,” and cite as their strength their willingness to accommodate businesses who adopt this view.
RMT asserts that “regardless of what a consumer may wish to believe, the legalities of [their] contractual terms cannot be changed,” and that by “maintaining a professional approach and explaining the facts to the consumer, [RMT has] been able to continue to achieve above average liquidation rates for [their] clients.” This statement implies a hostility and intolerance toward consumer protection laws, and, in fact, aside from their membership with the Association of Credit and Collection Professional (ACA), there is little mention on their website of compliance and no mention of outside consumer resources.
The BBB has closed 24 complaints against Rosenthal, Morgan & Thomas in the past three years, with 9 closed in the past twelve months. Complaints are fairly evenly split between problems with billing and collection and problems with advertising and sales. A search for this collection agency in the Consumer Financial Protection Bureau’s (CFPB) consumer complaint database does not return any results, and Justia lists only about 2 cases of civil litigation naming RMT as a defendant.
Absolutely. Here are some Sample Cases against Rosenthal, Morgan & Thomas, Inc. – RMT
The BBB reported that in June 2017, a complainant alleged that Rosenthal, Morgan & Thomas violated several provisions of the FDCPA in their efforts to collect a debt. In this case, the complainant indicated that RMT had initially contacted her in mid 2016, at which time she was a resident of Indiana. By the time of the complaint, she had moved to California, and she alleged that RMT representatives had begun calling her daily before 8:00am in violation of California’s Rosenthal Act. The complainant indicated that the debt in question, for a past due amount from a storage unit, had been settled and that Rosenthal, Morgan & Thomas had failed to provide verification for the debt. The complainant also indicated that the RMT representative was hostile, rude, aggressive, and abusive in their telephone exchange. In reply, RMT indicated that they were unaware that the complainant no longer resided in Indiana, and that they had called according to the time zone indicated in their original contact information for the complainant. RMT blamed the complainant for not notifying them that she was no longer residing in Indiana. However, the complainant is not legally required to keep collection agencies informed of changes to their place of residence. On the other hand, collection agencies are required to ensure the accuracy of information in the files they manage for creditors. RMT also denied that the complainant had ever requested verification of the debt, although the burden of responsibility for providing verification of debts is on the collection agency, not the debtor. Nonetheless, Rosenthal, Morgan & Thomas indicated that they had sent a copy of the disputed contract, payment ledger, foreclosure inventory, and photos of the storage unit with its remaining items to the complainant, and asserted that she had not been relieved of any liability to pay the past due amount. Ultimately, the complainant rejected the attempt at resolution, concluding that she had not received the documents or photos; that she had call logs to prove her claims of calls at inappropriate times; that Rosenthal, Morgan & Thomas had threatened to repossess her car, garnish her wages, and take her job; and that “they asked weird things and made me uncomfortable.”
Rosenthal, Morgan & Thomas, Inc.
12747 Olive Blvd. Suite 250
St Louis, MO 63141
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the CFPB enforce laws prohibiting unethical business practices such as the Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). The FDCPA prohibits activities such as failing to provide verification of a debt, or using 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 why it is important for consumers to understand their rights before attempting to take action against collection agencies who may have violated these laws.
Private individuals may seek monetary damages in court for alleged violations. For instance, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs. If you believe your rights have been violated by a collection agency, seek legal assistance to ensure you find relief.
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.
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
“I would recommend your firm to anyone. You got the debt collectors off my back, and I can finally see the light at the end of the tunnel. Throughout the whole process your staff were professional and courteous. I was blown away by their efficiency as well. Thank you guys so much!”
“I just wanted to take a moment to say thank you! Being in debt is hard enough without being harassed by collection agencies, but thanks to you I no longer have to be a victim. I did not know what to expect when I emailed your company, but from the beginning you guys were on the ball.”
“I would like to thank you and your staff for all the help you’ve provided to me. Honestly, you have a wonderful staff that has dealt professionally and been very empathetic at a time in my life when I hit a speed bump.”
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