Bohemia, N.Y. (PRWEB) January 12, 2013
On January 12, in response to an article published by ABC Action News concerning the rights debtors have against collection agencies, collection agency Rapid Recovery Solution offers comments.
ABC Action News reports that the Fair Debt Collection Practices Act was “passed to protect consumers from ‘abusive, unfair and deceptive debt collection practices,’ which the act says ‘contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.’” The article states that, according to the Consumer Financial Protection Bureau, approximately 30 million Americans are dealing with debt collection.
When it comes to contacting debtors, the article states that collectors can only call between 8 a.m. until 9 p.m. and never at inconvenient hours such as in the middle of the night. In addition, while debt collectors may contact family members or employers as a means of locating a debtor, collectors are not permitted to discuss the debt owed and they cannot call more than once.
According to John Monderine, CEO of collection agency Rapid Recovery Solution, while debt collection agencies receive criticism, many debt collection agencies use reputable tactics to collect the money that is legitimately owed. “If a person owes a debt, it is only natural that they be expected to pay it. However, people should never be abused, harassed or threatened. It’s collection agencies that use tactics such as these that gives debt collection a bad name,” states Monderine.
ABC Action News reports that when contacted by a debtor, you may send a letter stating that you do not owe the amount stated. The letter must be sent within 30 days. According to the article, “By law, the collection agency must then stop getting in touch with you. But, according to the Federal Trade Commission, a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.”
Founded in 2006, RRS Collection Agency is headquartered at the highest point of beautiful Long Island. Rapid Recovery Collection Agency is committed to recovering your funds. We believe that every debtor has the ability to pay if motivated correctly. We DO NOT alienate the debtors; we attempt to align with them and offer a number of ways to resolve not only your debt but also all their debts.