How to Beat RAB Collection Agency
George Simons | July 21, 2022
Make the right defense and win in court.
Summary: Are you being sued by RAB Collection Agency over an old debt? Learn why they're suing you and how to win your case.
It's estimated by the FTC that debt collectors contact about one billion people per year looking for people to pay what they owe.
These phone calls often annoy, upset, and aggravate consumers, so it's logical to wonder, how to beat RAB Collection Agency? Some recommend that you simply pick up the phone and tell them to stop calling you.
But you should do more than that. Get the name and address. Then, write a letter and tell them to never call you again. You should send it by certified mail and get a return receipt so you can prove that they got it.
However, RAB Collection Agency might still wind up calling you. Sometimes they call you for debts you don't owe, or for the wrong amount. The fact is that most collection agencies only have limited information about who owes the debt, so they make a lot of mistakes.
Below is more information about what you can do to beat RAB Collection Agency.
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Send a debt dispute letter
If you don't think you owe the debt, or they have the wrong amount, your best option is to mail them a debt dispute letter and ask that they validate the debt. This letter demands that RAB Collection Agency show that you owe the debt and that they can give you detailed documents and information to prove it.
Federal law sets forth that after you receive a letter about a debt, you have 30 days to respond to contest it. Your debt dispute letter should have your contact information; verification of what you owe; the name of the creditor; and a request that they don't report the debt to the credit agencies until you figure out the situation.
You also should send a dispute letter to all credit agencies with most of the same info, so they know you are disputing the debt. However, the matter may be unresolved until the information shows on your credit report and affects your score. If it does appear on your credit report, another type of dispute letter should go to each credit agency arguing if the information is accurate. If not, it should be removed from your report.
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Understanding your rights under the FDCPA
There have been problems between debt collectors and consumers for decades. The Fair Debt Collection Practices Act (i.e. FDCPA) was passed in 1978 to give consumers some protection against aggressive debt collectors. The FTC is responsible for oversight of this law. The CFPB notes that aggressive debt collection practices are one of the top consumer complaints.
The FDCPA outlines the following rules for debt collectors:
- RAB Debt Collection Agency must only call between 8 am and 9 pm.
- Debt collectors are not allowed to call you when you're working if you tell them not to call you.
- You can tell collection agencies to stop calling you by sending them a certified letter.
- The debt collector has to send you a validation notice that states the amount you owe, the creditor's name, and how to move forward if you want to file a dispute.
- Debt collectors are not allowed to threaten violence, use bad language, make inaccurate claims that they are government agencies or attorneys. Further, they cannot lie about what you owe or claim you're under arrest.
- They only can talk to you and your attorney about the debt you owe. They can call family and friends to get your contact information, but they may not talk about your debts.
Even with these protections, the US government gets thousands of complaints from US consumers each month about aggressive debt collection tactics. Most of the issues are regarding debts the consumer says they don't owe.
Use the statute of limitations defense
If you want to beat RAB Collection Agency, the first thing to do is check if you owe the debt. The agency must send you a validation notice, and there also is a statute of limitations for your debts. This statute varies by state, which means the length of time will vary as well. For example, the statute of limitations on consumer debt may run anywhere between four and six years, and sometimes longer.
If the statute of limitations expires in your state, it means that the company cannot get a judgment against you. They could still try to collect your debt but they can't do anything else legally. However, the unpaid debt will be on your credit report for seven years.
One of the biggest problems is that most debt collection agencies purchase debts from many sources and either collect the funds or sell the debt to others. It's possible for the original contract to be lost and the amount owed could be wrong.
It's important to keep careful track of any transaction that involves a debt. The original contract and what you originally owed are vital. This is the information you should have when you file a dispute.
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Steps to take to get a collections notice removed from your credit report
If you want to get the collection off your report, you need to dispute it. This will only work if you don't owe the debt and the agency didn't verify it within a month. Or, the agency will keep the debt on your credit profile after seven years. In that situation, you can give them proof of when the delinquency began so you can remove it.
The other option is to pay to have the collection removed from your credit report. Even if you pay to have it taken off, the black mark will stay on your report for seven years. You could try to negotiate with the agency to get the collection taken off. This involves paying a fee to the agency so that they won't report it anymore. But you need to have this in writing.
If you are being hounded by someone affiliated with RAB Collection Agency and don't know what to do, it is important not to give up hope. You have certain legal rights and protections when being contacted by a debt collection company. For example, if someone affiliated with RAB is contacting you early in the morning or very late into the evening, you could have grounds to file a claim against RAB for violating the FDCPA.
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