Aggressive calls from Regional Adjustment Bureau (RAB) can make every day feel like a battle you didn’t sign up for. If you believe Regional Adjustment Bureau debt collection harassment has violated your rights, federal law gives you weapons to fight back and potentially recover compensation.
The Fair Debt Collection Practices Act (FDCPA) sets strict boundaries that all collectors must respect, regardless of their claimed “soft approach” or industry specialization.
When Regional Adjustment Bureau (RAB) crosses these lines, you can recover up to $1,000 in statutory damages per lawsuit, plus attorney fees and costs.
The Wood Law Firm has stopped harassment from collectors across medical debt, student loans, and commercial accounts while securing compensation for victims of illegal tactics. Call +1 844-638-1122 to end the harassment today.
Who Is Regional Adjustment Bureau
Regional Adjustment Bureau (RAB) is a third-party debt collection agency founded in 1971 and headquartered in Memphis, Tennessee, with additional offices in Plano, Texas. The company operates across all 50 states, specializing in medical collections, defaulted student loans, and commercial debt recovery.
They market themselves as using a “soft recovery” approach that positions them as an extension of their clients’ business offices.
Despite claims of professionalism, the Regional Adjustment Bureau (RAB) faced a 2014 Federal Trade Commission complaint and settlement for alleged FDCPA violations, including improper communication practices and failure to verify debts.
Consumer complaints frequently mention excessive calling, misrepresentation of debt amounts, and threats that contradict their marketed approach.
Contact information:
- Address: 6504 International Pkwy, Suite 2100, Plano, TX 75093-8221
- Phone: (972) 233-1131
- Also operates as: RAB Collections, American Adjustment Bureau
What Makes Regional Adjustment Bureau Debt Collection Harassment Illegal
Regional Adjustment Bureau debt collection harassment occurs when their tactics violate the FDCPA. Their specialization in medical and student loan debt doesn’t exempt them from following federal law.
Illegal behaviors include:
- Repeatedly calling to annoy or harass you
- Using obscene, profane, or abusive language during calls
- Threatening arrest or legal action without a proper legal basis
- Contacting you before 8 a.m. or after 9 p.m. in your time zone
- Misrepresenting the debt amount or your legal obligations
- Discussing your debt with family, friends, or coworkers
- Continuing to call after you’ve requested they stop in writing
- Calling your workplace after you’ve informed them that it’s prohibited
- Refusing to provide written validation when requested
- Threatening wage garnishment or property seizure without court authorization
Regional Adjustment Bureau (RAB) frequently collects medical debts involving sensitive health information. Discussing details of your medical treatment with third parties violates both the FDCPA and potentially HIPAA-related protections.
How the Regional Adjustment Bureau Violates the FDCPA
If you believe you’re being harassed by the Regional Adjustment Bureau, watch for these specific violations that appear frequently in consumer complaints and federal lawsuits.
1. Communication frequency violations
Regional Adjustment Bureau (RAB) may contact you multiple times daily across different accounts if you have several debts. Many consumers report 6 to 10 calls per day. The FDCPA prohibits repeated calls with intent to annoy or harass, regardless of whether the calls relate to different debts.
2. Misrepresentation of medical and student loan debts
Medical debt cases often involve disputed amounts based on insurance processing errors. Regional Adjustment Bureau (RAB) sometimes demands payment before providing itemized statements. Student loan collections may include threats of immediate garnishment without explaining proper legal procedures. Any misrepresentation of what you owe or what they can legally do violates the FDCPA.
3. Improper third-party contact
Because Regional Adjustment Bureau (RAB) specializes in medical collections, they sometimes contact healthcare providers or patients’ family members under the guise of “verifying information.” They can only contact third parties to locate you, not to discuss debt details. Revealing your medical debt to anyone except you, your spouse, or your attorney is a serious violation.
4. False urgency and legal threats
Common complaints include claims that immediate payment will prevent lawsuits or wage garnishment. While they can eventually take these actions through proper legal channels, threats of immediate consequences without following required procedures violate the FDCPA.
Your Rights When Regional Adjustment Bureau Contacts You
When dealing with Regional Adjustment Bureau collection attempts, federal law provides specific protections that apply whether the debt involves medical bills, student loans, or commercial accounts.
Debt Validation Rights
Within five days of first contact, Regional Adjustment Bureau (RAB) must send written notice including the debt amount, original creditor’s name, and your right to dispute within 30 days. If you dispute in writing within that window, they must stop collection until they verify. For medical debts, this should include itemized billing showing what services the charges cover.
Cease Communication Rights
You can send Regional Adjustment Bureau (RAB) a written cease and desist letter demanding all contact stop. Once received, they can only contact you to confirm they’re stopping or to notify you of specific legal actions. This is particularly valuable if their calls are disrupting your work or causing stress.
Privacy Protection
Regional Adjustment Bureau (RAB) cannot discuss your debt with anyone except you, your spouse, or your attorney. This protection is critical for medical debts that may involve sensitive health information.
Legal Action Rights
If Regional Adjustment Bureau (RAB) violates the FDCPA, you can sue within one year for up to $1,000 in statutory damages, plus actual damages if you suffered financial losses or severe emotional distress. The collector must pay your attorney fees and costs.
Steps to Stop Regional Adjustment Bureau Harassment Calls
If you believe you’re experiencing Regional Adjustment Bureau harassment calls, this action plan protects your rights while building documentation for potential legal action.
Document Everything
Log every contact with date, exact time, phone number, representative’s name, and detailed notes about what was said. For medical debt calls, note if they disclosed any health-related information. Save all voicemails and screenshot your call log showing frequency.
Send Debt Validation Demand
Within 30 days of first contact, send a debt validation letter requiring Regional Adjustment Bureau (RAB) to prove the debt is yours with documentation. For medical debts, specifically request itemized billing showing dates of service and procedures. They must stop collection until they provide validation.
Issue Cease and Desist
Send a cease and desist letter to Regional Adjustment Bureau (RAB) at their Plano, Texas address via certified mail stating: “I demand that Regional Adjustment Bureau cease all communication with me regarding this alleged debt.” Keep your certified mail receipt as proof.
File Regulatory Complaints
File complaints with the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission, which already sanctioned Regional Adjustment Bureau (RAB) in 2014. Include specific violations like calls outside permitted hours, threats, or third-party disclosures. For detailed information about your rights under federal law, review the Fair Debt Collection Practices Act.
Contact The Wood Law Firm
Call +1 844-638-1122 to speak with attorneys experienced in stopping Regional Adjustment Bureau (RAB) harassment. We understand their tactics in medical, student loan, and commercial debt collections. We can send immediate legal demands that typically stop calls within 48 hours while evaluating your case for damages.
Regional Adjustment Bureau Lawsuits and Outcomes
Regional Adjustment Bureau (RAB) has faced numerous federal lawsuits alleging FDCPA violations, demonstrating patterns of illegal conduct that courts have recognized.
Notable cases include:
- Schoenfeld v. Regional Adjustment Bureau, Inc. – Allegations of harassing phone calls to pressure payment
- Kriger v. Regional Adjustment Bureau, Inc. – Alleged misrepresentation of debt amounts and unfair tactics
- Greene et al. v. Regional Adjustment Bureau, Inc. – Multiple plaintiffs seeking statutory damages for emotional distress
- Halperin v. Regional Adjustment Bureau – Findings of FDCPA violations
- Williams v. Regional Adjustment Bureau – Successful claims against the company
- Owen v. Regional Adjustment Bureau – Additional FDCPA violation findings
These cases establish that Regional Adjustment Bureau (RAB) has repeatedly engaged in illegal collection practices despite claims of professionalism. The pattern of lawsuits across multiple years shows systemic issues, not isolated incidents.
Can Regional Adjustment Bureau Sue You or Garnish Wages
Regional Adjustment Bureau (RAB) can sue you for unpaid debts within your state’s statute of limitations, but they cannot garnish wages or levy bank accounts without first obtaining a court judgment.
Lawsuit Limitations
Regional Adjustment Bureau (RAB) employs attorneys who specialize in debt litigation and can file lawsuits if the debt is within the statute of limitations (typically 3 to 10 years depending on your state and debt type). However, threats of immediate legal action without actually filing suit may violate the FDCPA.
Federal Student Loan Special Rules
If Regional Adjustment Bureau (RAB) is collecting on federal student loans, the government can garnish wages without a court judgment, but only after providing specific notices and opportunities for repayment plans. Private student loans require court judgments. Misrepresenting which type of loan you have or the procedures they must follow is an FDCPA violation.
Medical Debt Considerations
Many people with significant medical debt have limited income that makes them judgment-proof, meaning even if Regional Adjustment Bureau (RAB) sued and won, they couldn’t collect through garnishment. Threatening actions they cannot realistically take may violate the FDCPA.
Responding to Lawsuit Threats
If Regional Adjustment Bureau (RAB) threatens to sue, demand written notice including the court, case number, and filing date. Many threats are empty intimidation. If they do file a legitimate lawsuit, you must respond. Ignoring court summons can result in default judgments. Consult an attorney immediately.
How The Wood Law Firm Stops Regional Adjustment Bureau Harassment
Partnering with The Wood Law Firm gives you attorneys who understand Regional Adjustment Bureau’s specific business model, their history of FTC sanctions, and the unique issues in medical debt, student loan, and commercial collections.
We analyze your complete interaction history with Regional Adjustment Bureau (RAB) to identify every FDCPA violation. We understand how they operate in different debt types and tailor our strategy accordingly. For medical debts, we examine whether they improperly disclosed health information. For student loans, we verify they followed proper procedures. We send immediate legal demands citing specific violations, which typically stops harassment within 48 to 72 hours.
Regional Adjustment Bureau (RAB) already has a federal enforcement action on their record from the 2014 FTC settlement. Additional court findings could trigger further regulatory scrutiny or affect their relationships with major healthcare providers and lenders. This creates strong motivation to settle legitimate claims quickly. We leverage this reality to maximize your recovery.
Since 2010, we’ve helped hundreds of clients stop harassment and recover compensation. We work on contingency, meaning you pay nothing unless we win. Call +1 844-638-1122 for a free case evaluation.
Success Stories: Consumers Who Stopped Healthcare Harassment
These examples demonstrate outcomes when collectors violating federal law face accountability. While we can’t name specific collectors in client examples, these reflect actual results.
Medical Debt Harassment Case
A client with disputed hospital bills received 42 calls in three weeks, including calls to her workplace where she’s a nurse. The collector discussed her medical debt with her supervisor, violating workplace and privacy rules. We documented FDCPA violations for excessive calling, workplace harassment, and third-party disclosure. The case settled for $6,800 in damages plus attorney fees, and the collector removed all negative credit reporting.
Student Loan Misrepresentation Case
Another client with private student loans faced threats of immediate wage garnishment without court action. The collector falsely claimed they had government authority to garnish without judgment. We sued for false representation and threatening illegal actions. The collector settled for $4,500, ceased all collection efforts, and the debt was later found to be time-barred.
Multiple Debt Harassment
A client had three different debts with the same collector (medical, credit card, and utility). They called 8 to 12 times daily across all accounts. We documented the pattern showing intent to harass. The case settled for $7,200 covering violations across all three collection efforts.
Dealing With Medical Debt and Student Loan Collectors
If you’re facing pressure from multiple agencies collecting medical debts or student loans, the same FDCPA protections apply. We’ve successfully challenged illegal collection tactics from specialized collectors.
Healthcare debt collectors often combine workplace harassment with excessive daily calling to pressure payment on disputed medical bills. Student loan collectors may misrepresent your repayment options. The FDCPA protects you regardless of debt type or the collector’s claimed specialization.
Frequently Asked Questions About Regional Adjustment Bureau Harassment
1. Can Regional Adjustment Bureau discuss my medical debt with my family?
No. They can only discuss your debt with you, your spouse, or your attorney. Revealing medical debt details to family members violates FDCPA privacy rules and may involve improper health information disclosure.
2. How many times can Regional Adjustment Bureau legally call me per day?
The FDCPA doesn’t specify an exact number, but repeated calls intended to annoy or harass violate the law. If you’re receiving 5 to 10 calls daily, document each call and consult an attorney.
3. Can they garnish my wages for medical debt without suing me?
No. Regional Adjustment Bureau (RAB) must sue you and obtain a court judgment before garnishing wages for medical debt, credit cards, or private student loans. Federal student loans have different rules.
4. What if Regional Adjustment Bureau claims my student loan will result in immediate garnishment?
For private student loans, they must sue first. For federal loans, the government must provide specific notices and repayment plan opportunities before garnishment. Threats of immediate garnishment without proper procedures may violate the FDCPA.
5. How do I dispute a medical bill that Regional Adjustment Bureau is collecting?
Send a written debt validation letter within 30 days requesting itemized billing showing dates of service, providers, procedures, and insurance processing. They must stop collection until they verify the debt.
6. Can Regional Adjustment Bureau call my workplace about my debt?
They can call once to verify your employment location. They cannot discuss your debt with your employer or call repeatedly. After you tell them workplace calls are prohibited, continued contact violates the FDCPA.
7. What should I do if Regional Adjustment Bureau threatens arrest for unpaid medical bills?
Document the threat immediately with date, time, and representative name. Threatening arrest for unpaid consumer debt violates the FDCPA. Contact The Wood Law Firm at +1 844-638-1122 to discuss legal action.
8. Will a cease and desist letter stop all contact from Regional Adjustment Bureau?
Yes, except for confirmation they’re stopping or notice of specific legal actions like filing a lawsuit. Any other contact after receiving your letter violates the FDCPA.
9. How much can I recover if Regional Adjustment Bureau violated the FDCPA?
Up to $1,000 in statutory damages per lawsuit, plus actual damages for emotional distress or financial losses, and attorney fees. The collector pays your legal costs when you win.
10. Does The Wood Law Firm charge upfront fees for harassment cases?
No. We work on contingency and advance all costs. You pay nothing unless we recover compensation, and the collector pays your attorney fees when you win. Call +1 844-638-1122 for a free consultation.
