Dealing with debt collection agencies can be overwhelming, especially when the calls and messages become relentless. One such company, Revenue Assistance Corporation (RAC), has gained notoriety for aggressive debt collection tactics that many consumers find distressing. If you are facing persistent calls, threats, or harassment from RAC, the Consumer Law Firm Centre is here to help you understand your rights and take action.
Who is Revenue Assistance Corporation?
Revenue Assistance Corporation is a third-party debt collector based in Cleveland, Ohio. Operating for over 25 years, RAC specializes in account receivable services, including medical billing and coding as part of their healthcare collections, and supply chain management solutions across various industries. Despite their long-standing presence, RAC has faced numerous complaints and legal actions for violating consumer protection laws.
What Does RAC Do That Might Harm You?
RAC’s debt collection tactics sometimes cross legal boundaries. Consumers report multiple daily calls, threats of wage garnishment or lawsuits, and sharing debt information with family, neighbors, or employers. RAC has been accused of:
- Calling before 8 a.m. or after 9 p.m.
- Using abusive or profane language.
- Repeatedly calling without leaving messages.
- Discussing your debt with others, including at your workplace.
- Threatening to sue, damage your credit, or falsely accuse you of crimes.
- Demanding more money than legally owed.
- Failing to provide information about the original creditor when requested.
Such behavior violates the Fair Debt Collection Practices Act (FDCPA) and can be legally challenged.
How RAC’s Actions Affect Your Credit
When RAC attempts to collect a debt, they may report it to credit bureaus, negatively impacting your credit score. Collection accounts can remain on your credit report for up to seven years and hinder your ability to obtain loans, credit cards, or housing. However, under the Fair Credit Reporting Act (FCRA), RAC must report accurate information. You have the right to dispute any inaccuracies both with the collection agency and the credit bureaus.
Your Legal Rights and How We Can Help
If Revenue Assistance Corporation’s collection tactics are causing harassment or violating your rights, the Consumer Law Firm Centre stands ready to assist. You have the right to:
- Formally request RAC to stop calling.
- Document every contact, including dates, times, and details of the calls.
- Challenge illegal collection practices and seek up to $1,000 in statutory damages.
- Recover attorney fees and court costs if RAC violates federal laws.
We guide you through filing complaints with agencies such as the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB). Our experienced attorneys also negotiate with RAC on your behalf to stop harassment and work toward fair debt resolution.
Recognizing RAC Phone Harassment
RAC often uses various phone numbers to contact consumers. Common numbers include:
- (216) 763-2100
- (800) 305-5702
- (216) 763-2117
However, calls may come from other numbers as well. If you receive frequent, unwanted calls from these or unknown numbers claiming to be RAC, you may be a victim of phone harassment. Don’t ignore the problem. Keep detailed records of each call and message.
Steps to Take If You’re Being Harassed
- Document Everything: Keep a log of every call, message, and interaction with RAC.
- Request Cease of Contact: Send a written request to RAC demanding that they stop calling.
- Dispute the Debt if Necessary: If you believe the debt is not yours or is inaccurate, formally dispute it in writing.
- Consult Legal Help: Contact the Consumer Law Firm Centre to review your case and discuss your options.
- File Complaints: We can assist you in reporting violations to regulatory bodies.
Why Choose Consumer Law Firm Centre?
The Consumer Law Firm Centre specializes in protecting consumers from unlawful debt collection practices. Our experienced attorneys know the complexities of federal laws like the FDCPA and FCRA and fight to uphold your rights. We understand how stressful debt collection harassment can be and provide compassionate, effective legal support to stop the abuse and help you regain control of your financial life.
Conclusion
Revenue Assistance Corporation’s aggressive collection tactics can feel intimidating, but you don’t have to face them alone. The Consumer Law Firm Centre is dedicated to helping you stop RAC phone harassment, protect your credit, and navigate the legal system to resolve debt issues fairly. Remember, the law is on your side, and with professional guidance, you can put an end to unwanted calls and unfair treatment.
If you or someone you know is dealing with Revenue Assistance Corporation, contact the Consumer Law Firm Centre today to discuss your rights and start the process of stopping harassment for good. No one should have to live with relentless debt collection abuse
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