Suppose your phone has been ringing off the hook with constant calls from the Regional Adjustment Bureau. In that case, you’re likely frustrated, stressed, and looking for a solution. Regional Adjustment Bureau debt collection harassment can be overwhelming, especially if they’re calling you multiple times a day, making threats, or using abusive language.

These tactics are not only unethical but could be illegal. You don’t have to tolerate this kind of treatment. Many people are unaware that under federal law, specifically the Fair Debt Collection Practices Act (FDCPA), debt collectors, including debt collection agencies, must adhere to strict rules when collecting outstanding debts. When they violate these rules, you have the right to take action.

This guide will cover everything you need about Regional Adjustment Bureau debt collection harassment. We’ll also walk you through the steps to stop these intrusive phone calls and protect your rights.

Understanding Regional Adjustment Bureau

Regional Adjustment Bureau (RAB) is a third-party debt collection agency that has been in business since 1975. Headquartered in Memphis, Tennessee, RAB has been accredited by the Better Business Bureau (BBB) since 1979, reflecting its long-standing presence in the industry. The company specializes in collecting consumer debt for a diverse range of clients, including banks, retail creditors, education lenders, and municipal, state, and federal government agencies.

RAB employs a network of attorneys who specialize in debt litigation and utilizes state-of-the-art technology to manage its collection efforts. Despite these legitimate business practices, the company has faced numerous complaints from consumers. Many of these complaints allege violations of the Fair Debt Collection Practices Act (FDCPA), a federal law that regulates the behavior of debt collectors and prohibits actions such as harassment, abuse, and false or misleading statements.

Consumers have reported experiencing excessive phone calls, threatening behavior, and misrepresentation of debt amounts from RAB. These practices not only violate the FDCPA but also contribute to the stress and anxiety associated with debt collection harassment. Understanding the nature of RAB and its practices can help you better navigate your interactions with this collection agency and protect your rights.

What is the Fair Debt Collection Practices Act (FDCPA)?

The FDCPA shields consumers from unfair and aggressive debt collection practices. It sets clear standards for how third-party debt collectors, like Regional Adjustment Bureau, must behave. Breaking these rules attracts severe legal consequences.

In addition to the FDCPA, the Fair Credit Reporting Act (FCRA) also plays a crucial role in protecting consumers’ rights. The FCRA allows individuals to dispute inaccuracies on their credit reports and ensures that debt collection agencies do not improperly report debts to gain leverage over consumers.

So, how does the FDCPA protect you against Regional Adjustment Bureau phone harassment? Here are a few critical protections under the FDCPA:

• Debt collectors can only call you before 8 a.m. or after 9 p.m. if you give explicit permission.
• They cannot discuss your debt with third parties (such as your employer or family members).
• If you’ve informed the debt collector in writing that you wish to refrain from receiving calls at your place of employment, they must stop contacting you there.
• Regional Adjustment Bureau debt collectors cannot use profane, abusive, or harassing language.
• They cannot engage in behavior intended to intimidate, abuse, or oppress you.
• Regional Adjustment Bureau must be truthful about your debt amount and any legal actions they might take.

When debt collectors ignore these rules, they are violating federal law. If you’re experiencing any of these behaviors, you could have a case for a lawsuit. And the good news is that you can seek statutory damages of up to $1,000 in addition to recovering attorney fees and court costs. Working with The Wood Law Firm can help you take action to stop the harassment and protect your rights.

Is the Regional Adjustment Bureau a Scam?

No, Regional Adjustment Bureau is not a scam. However, it has a long history of aggressive collection tactics that often push the boundaries of legality. According to the Better Business Bureau (BBB), it has been in business since 1975 and has received numerous complaints.

The Regional Adjustment Bureau reviews found online details about consumers’ experiences dealing with excessive phone calls, threatening behavior, and misrepresentation of debt amounts. It’s no wonder why many people feel like Regional Adjustment Bureau is running a scam operation. However, despite the negative reviews, Regional Adjustment Bureau is a legitimate third-party collection agency. Understanding your rights when dealing with such agencies is crucial to ensure compliance with debt collection laws.

Their contact information is as follows:

6504 International Pkwy, Suite 2100, Plano, TX 75093-8221

(972) 233-1131

They operate under various names, including RAB Collections, American Adjustment Bureau, and Regional Adjustment Bureau Memphis, TN. Such names can make it even more challenging to track who calls you and whether their actions are legitimate.

Also read: Adjustment Service Debt Collection Harassment

Recognizing Regional Adjustment Bureau Debt Collection Harassment

Debt collection harassment comes in many forms, and it’s essential to understand the tactics Regional Adjustment Bureau debt collectors may use. If you’ve experienced any of the following, you’re likely a victim of Regional Adjustment Bureau debt collection harassment

Excessive or Inconvenient Calls

Collectors cannot call you repeatedly with the intent to annoy, abuse, or harass you. They also cannot contact you at times they know are inconvenient, such as late at night or during work hours.

False Information

Debt collectors must provide accurate information about the amount you owe and any legal steps they plan to take. If Regional Adjustment Bureau misrepresents your debt or threatens legal action they have no intention of taking, they are breaking the law.

Talking to Others About Your Debt

It’s illegal for debt collectors to discuss your financial situation with your friends, family, or employer without your permission. Suppose Regional Adjustment Bureau has been speaking to others about your debt. In that case, this violates your privacy rights under the FDCPA.

Abusive or Profane Language

Any use of offensive, threatening, or abusive language by Regional Adjustment Bureau debt collectors is a clear violation of the FDCPA. No debt collector has the right to treat you disrespectfully or threaten violence or harm.

Threats of Arrest or Legal Action

Some debt collectors may threaten you with arrest or other legal consequences to scare you into paying. While they may have the right to take legal action in some instances, threats of arrest are illegal unless tied to a legitimate court order.

If you have experienced these behaviors, it’s time to take action. The Wood Law Firm can help you file a lawsuit and stop the harassment for good.

Consequences of Debt Collection Harassment

Debt collection harassment can have serious and far-reaching consequences for consumers. The relentless phone calls and threatening letters can lead to significant emotional distress, causing anxiety, depression, and even physical health problems. The constant stress can also strain personal relationships and impact your overall well-being.

Financially, debt collection harassment can be devastating. It can damage your credit score, making it difficult to obtain loans, credit cards, or even housing in the future. A tarnished credit report can affect your ability to secure employment or insurance, further complicating your financial situation.

Under the FDCPA, consumers who are victims of debt collection harassment may be entitled to compensation. The law provides for statutory damages of up to $1,000, plus attorney’s fees and court costs, for those who have been subjected to harassment or abuse by debt collectors. This compensation can help alleviate some of the financial burdens caused by the harassment and hold the debt collectors accountable for their actions.

Common Complaints Against Regional Adjustment Bureau Debt Collection Harassment

You’re not alone in dealing with Regional Adjustment Bureau phone harassment. Many consumers have filed complaints against this agency for their abusive collection practices. Here are just a few of the cases filed in recent years:

• Schoenfeld v. Regional Adjustment Bureau, Inc.
• This lawsuit, filed in 2019, involved accusations that the Regional Adjustment Bureau used harassing phone calls to intimidate a consumer into paying a debt.
• Kriger v. Regional Adjustment Bureau, Inc.
• In this case, the plaintiff accused Regional Adjustment Bureau of misrepresenting the amount owed and using unfair tactics to collect a debt.
• Greene et al. v. Regional Adjustment Bureau, Inc.
• This lawsuit is another example of a lawsuit in which consumers took action to stop Regional Adjustment Bureau’s debt collection harassment. The plaintiffs in this case sought statutory damages for the emotional distress caused by the harassment.

You can take legal action against Regional Adjustment Bureau if you face similar issues. By working with The Wood Law Firm, you can hold them accountable for their violations of the FDCPA.

Also read: Professional Bureau of Collections Debt Collection Harassment

Can Regional Adjustment Bureau Take Your Property or Sue You?

Many consumers need help with what Regional Adjustment Bureau can legally do. Can they sue you? Can they take your property? Here are the facts:

Can They Seize Your Property?

In most cases, Regional Adjustment Bureau cannot seize your property. However, if your debt connects to a specific asset (like a car or home), they may have the right to repossess it. If they sue you and obtain a court judgment, they may also be able to garnish your wages or levy your bank account, depending on state laws.

Can They Sue You?

Yes, Regional Adjustment Bureau can file a lawsuit against you to collect the debt as long as the debt is within the statute of limitations. If they win the case, they earn the right to take specific actions to collect the money you owe.

Can They Report the Debt to Credit Bureaus?

Yes, Regional Adjustment Bureau can report your debt to the credit reporting agencies. Doing so negatively impacts your credit score, making getting loans, credit cards, or even housing difficult.

Can They Arrest You?

No, debt collectors like Regional Adjustment Bureau do not have the power to arrest you for unpaid debts. However, a judge could issue a warrant for your arrest if you fail to follow a court order related to the debt, such as ignoring a summons to appear in court.

How to Stop Regional Adjustment Bureau Debt Collection Harassment

Suppose you’ve had enough of the harassment. In that case, you must stop Regional Adjustment Bureau debt collection harassment once and for all. Here’s how to get started:

Send a Cease and Desist Letter

Under the FDCPA, you can request that Regional Adjustment Bureau stop contacting you. Make sure you do this in writing. Once they receive your letter, they can only contact you to inform you of specific legal actions they plan to take. They violate the law if they continue calling after receiving your cease and desist letter.

Keep Records of Every Interaction

Document every phone call, letter, or email you receive from Regional Adjustment Bureau. Please keep track of the calls’ dates, times, and content, as well as their phone numbers. This documentation can be used as evidence if you decide to take legal action.

Consult an Attorney

Fighting a debt collector on your own can be difficult. By working with The Wood Law Firm, you can ensure that your rights are protected and you receive the compensation you deserve. Our experienced attorneys can help you file a lawsuit, stop the harassment, and recover damages for emotional distress.

Seeking Help and Support

If you are being harassed by Regional Adjustment Bureau or any other debt collection agency, it is crucial to seek help and support. The first step is to understand your rights under the FDCPA and other consumer protection laws. You can contact the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB) for information and guidance on how to handle debt collection harassment.

Additionally, seeking the help of a consumer law attorney who specializes in debt collection cases can be invaluable. An attorney can help you understand your rights, negotiate with the debt collector, and file a lawsuit if necessary. They can also assist you in documenting the harassment and building a strong case against the debt collection agency.

You can also reach out to credit counseling agencies or non-profit organizations that provide assistance to consumers struggling with debt. These organizations can offer financial advice, help you create a budget, and provide resources to manage your debt more effectively.

Remember, you do not have to face debt collection harassment alone. There are resources available to help you protect your rights and stop the harassment. By taking action and seeking support, you can regain control of your financial situation and find relief from the stress caused by aggressive debt collectors.

Contact The Wood Law Firm for Immediate Help

If Regional Adjustment Bureau calls you day and night, using threats or harassment, it is time to take action. You don’t have to live with debt collection harassment.

At The Wood Law Firm, we specialize in helping people like you stand up to abusive debt collectors. With our experience handling Regional Adjustment Bureau debt collection harassment, we can help you protect your rights, end the harassment, and even recover damages for the emotional stress it has caused. We’ve helped countless clients since 2010, and our team is ready to guide you through the process.

Also read: Global Recovery Solutions Debt Collection Harassment

Success Stories from Our Clients

Over the years, The Wood Law Firm has helped numerous clients end Regional Adjustment Bureau debt collection harassment. Here’s what a few of them had to say:

“I was overwhelmed with constant calls from Regional Adjustment Bureau. They wouldn’t stop, affecting my work and personal life. Thankfully, I found The Wood Law Firm. They helped me file a lawsuit, and not only did the calls stop, but I was also compensated for my distress.”

“The Wood Law Firm team was professional and supportive from day one. They handled my case quickly, and the harassment from Regional Adjustment Bureau stopped. I can finally sleep peacefully!”

These stories are just a few examples of how The Wood Law Firm has helped consumers regain control of their lives. If you’re ready to stop the harassment, we’re here to help.

How to Get Started with fighting Regional Adjustment Bureau Debt Collection Harassment

You don’t have to face Regional Adjustment Bureau debt collection harassment alone. Contact The Wood Law Firm today, and we’ll help you take the first step toward stopping the calls and protecting your rights.

• Phone: +1 844-638-1122
• Website: Visit our website for more information on how to stop Regional Adjustment Bureau phone harassment and learn about your legal options.

Don’t wait any longer to take action. Every day you delay, Regional Adjustment Bureau will continue harassing you. Let The Wood Law Firm help you regain peace of mind and put an end to the stress caused by debt collection harassment.

Conclusion

Dealing with Regional Adjustment Bureau debt collection harassment is exhausting, but it doesn’t have to be permanent. Federal laws like the FDCPA give you the tools to stop abusive debt collectors in their tracks. By understanding your rights and working with The Wood Law Firm, you can end the harassment and take control of your financial situation.

Whether Regional Adjustment Bureau calls you at all hours of the day, uses abusive language, or threatens you with legal action, you don’t have to stand for it. Contact The Wood Law Firm at +1 844-638-1122 to take the first step toward relief. We’ll help you stop the calls, protect your rights, and recover the damages you deserve.

Also read: United Credit Recovery Bureau Debt Collection Harassment

Additional Resources

For more information on your rights as a consumer and how to deal with End Regional Adjustment Bureau debt collection harassment, check out these helpful resources:

• Federal Trade Commission: Debt Collection FAQs
• Texas Attorney General 
• Consumer Financial Protection Bureau

Remember, you have the right to live without the constant harassment of aggressive debt collectors. Let The Wood Law Firm help you exercise that right.