R & R Solutions, Inc Debt Collection Harassment? (2024)

R & R Solutions, Inc Debt Collection Harassment? R & R Solutions, Inc AKA TDS Financial AKA Goldman Financial Solutions AKA Apex Capital Consulting Debt Collection Harassment? Stop R & R Solutions Inc AKA TDS Financial AKA Goldman Financial Solutions AKA Apex Capital Consulting debt collection harassment. Do they threaten to take legal action, garnish your wages or have you process served? Are they mailing you fake superior documents in the mail? If so, what they are doing is illegal and needs to stop. You have the legal right to stop R & R Solutions debt collection harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

Is R & R Solutions Inc a Scam?

No, according to the Better Business Bureau, R&R Solutions was started on December 17, 2020

According to the Better Business Bureau, there were 7 complaints closed in the last 3 years and 7 complaints closed within the last 12 months.

R&R Solutions, Inc BBB page

Who is R & R Solutions Inc?

R & R Solutions Inc is third party debt collector located in San Diego, California. They are a new debt collector, listed as being formed in December of 2021. R&R Solutions, Inc is one among many debt collection agencies operating in the industry. While some agencies adhere strictly to the guidelines outlined by the FDCPA, concerns have been raised about the conduct of R&R Solutions, Inc. Numerous consumer complaints have emerged, suggesting a pattern of aggressive and questionable practices, leading to increased distress among individuals already grappling with financial difficulties.

Address:

402 W Broadway Ste 400

R & R Solutions Inc Collection Tactics

Allegations against R&R Solutions, Inc:

Excessive and Unrelenting Communication: Consumers have reported receiving an overwhelming number of calls from R&R Solutions, Inc, sometimes multiple times a day. This not only violates FDCPA regulations but also creates a hostile and intimidating environment for individuals already facing financial challenges.
Threats and Intimidation: Some complainants allege that representatives from R&R Solutions, Inc resorted to threatening language and intimidation tactics. Such behavior not only violates ethical standards but also goes against the principles set forth by the FDCPA.
Lack of Verification: Numerous complaints suggest that R&R Solutions, Inc failed to provide adequate verification of debts when requested by consumers. This lack of transparency raises concerns about the accuracy of the information being used for debt collection efforts.
Misrepresentation of Debt: Instances have been reported where individuals claimed that R&R Solutions, Inc misrepresented the nature or amount of the debt in question. Such tactics can lead to unwarranted stress and confusion among consumers.

Common Questions

Is R & R Solutions Inc a scam? No, R & R Solutions Inc has been in business since 2020.

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contactour officeto begin the process to stop the R & R Solutions Inc harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Consumer Rights Law Firm Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent harassment from R & R Solutions Inc call us at(877)700-5790for immediate assistance or visit our website at www.consumerlawfirmcenter.com

Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff was very courteous and helpful, and they were familiar with the Collection Agency in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.

“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”

Check out the links below for more information:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

California Attorney General

Consumer Finance

Last Updated on February 26, 2024

R & R Solutions, Inc Debt Collection Harassment? (2024)

FAQs

What can you do if a collection agency is harassing you? ›

If you believe a debt collector is violating the law, you may report your complaint with the Attorney General's Office. The Office uses complaints to learn about misconduct.

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What is a creditor legally required to do if you dispute a debt? ›

A debt collector must stop all collection activity on a debt if you send them a written dispute about the debt, generally within 30 days after your initial communication with them.

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Can you dispute a debt if it was sold to a collection agency? ›

Can you dispute a debt if it was sold to a collection agency? Your rights are the same as if you were dealing with the original creditor. If you do not believe you should pay the debt, for example, if a debt is stature barred or prescribed, then you can dispute the debt.

How do I stop a collection agency from contacting me? ›

If you ask a debt collector to stop all contact – regardless of the communications channel – the collector must stop. Keep in mind, though, that you could still owe the debt. If you don't want a debt collector to contact you again, write a letter to the debt collector saying so.

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What's the worst a debt collector can do? ›

Debt collectors are limited on when they can call you — typically, between 8 a.m. and 9 p.m. They are not allowed to call you at work. They can't lie or harass you. Debt collectors can't make you pay more than you owe or threaten you with arrest, jail time, property liens or wage garnishment if you don't pay.

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How many times can a debt collector call you before it's harassment? ›

How many collection calls is harassment? Creditors can't call you more than seven times in 7 days or call you again about the debt within seven days of the last call. If the debt collector calls you more than once a day or keeps calling even when you talk to them on the phone, they are probably harassing you.

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How can I get a collection removed without paying? ›

You cannot remove collections from your credit report without paying if the information is accurate, but a collection account will fall off your credit report after 7 years whether you pay the balance or not.

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What is the best reason to put when disputing a collection? ›

Normally, collections are disputed because the debtor believes they are incorrect for some reason. For example, if you review a copy of your credit report and you see a collection account that you believe belongs to another person, has an incorrect balance or is greater than seven years old, you can file a dispute.

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What happens if I never pay collections? ›

Ignoring these efforts could lead to further financial strain, potential wage garnishment, or the seizure of assets through a court judgment. Additionally, the debt may continue to accrue interest and fees, increasing the total amount owed over time.

Can a creditor sell your debt without your permission? ›

Your creditors can transfer and sell your debt to a collection agency without your permission. Creditors may choose to sell a debt — often for far less than it is worth — because they do not believe you will pay what you owe. Selling the debt can help them recoup at least some of their investment.

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Do I have to pay a debt if it has been sold? ›

Unpaid debt doesn't go away. Until the debt is either paid or forgiven, you still owe the money. This is true even if it's a credit card debt that is sold to a collection agency and even if you think it's unfair.

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Can I deal with original creditor instead of collection agency? ›

If you have delinquent debt that's been sent to collections, there might be options. In some cases, you may still be able to negotiate repayment directly with your lender. Working with your original creditor instead of a debt collector can be beneficial. However, this approach won't work for everyone.

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What not to say to a debt collector? ›

Don't provide personal or sensitive financial information

Never give out or confirm personal or sensitive financial information – such as your bank account, credit card, or full Social Security number – unless you know the company or person you are talking with is a real debt collector.

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Can I tell a debt collector to cease and desist? ›

This written request is called a cease and desist letter. You can use this letter to tell a collector that you're exercising your rights under the Federal Debt Collection Practices Act (FDCPA).

How to stop creditors from harassing you? ›

1. Write a Letter Requesting To Stop Communications

Make payments on the debt.
Plan to dispute the debt.
Negotiate a debt settlement agreement or payment plan.
File bankruptcy and get a debt discharge or repayment plan.
Deal with the debt collectors as they come.

May 13, 2024

What should you not say to a collection agency? ›

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Why should you never pay a charge off? ›

Paying the charged-off account won't remove the charge-off from your credit report, and it typically won't significantly improve your credit score in the short term. Each state has a statute of limitations on debt collection, which is the period during which a creditor can legally sue you to collect the debt.

What is the new law for debt collection in California? ›

California Coerced Debt: California SB 975, for debts incurred after July 1, 2023, requires a collector to cease collection until it completes a review when the debtor provides documentation and a sworn statement that the debt was coerced. A person who coerces a debt is civilly liable.

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Can someone sue you for sending them to collections? ›

The short answer is yes. Consumers can sue if a creditor has falsely reported them to debt collection. However, there are many ways that creditors, credit reporting agencies, and debt collectors can violate your rights.

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