End Reliant Capital Solutions Debt Collection Harassment

If you’re facing relentless calls from Reliant Capital Solutions debt collection, you don’t have to face them alone. Does this company threaten legal action or wage garnishment? Do they call you multiple times a day, even at odd hours? Have they contacted your family or neighbors about your debt?

These actions aren’t just frustrating; they’re illegal. Under the Fair Debt Collection Practices Act (FDCPA), you have protections that prevent abusive or coercive practices by debt collectors. If they violate these laws, you may be entitled to up to $1,000 in statutory damages, reimbursement for attorney fees, and other compensation.

Who Is Reliant Capital Solutions?

Reliant Capital Solutions is a third-party debt collection agency that collects delinquent debts, including student loans, on behalf of creditors. The company is privately owned and operates as a licensed collection agency. While legitimate, they must follow strict regulations outlined in the FDCPA to ensure they do not engage in practices that cause unnecessary stress or violate your rights.

Is Reliant Capital Solutions Legitimate?

Yes, Reliant Capital Solutions is a legitimate debt collection company. However, legitimacy doesn’t exempt them from following the law. Many consumers have filed complaints regarding their aggressive collection tactics. Reviews generally highlight negative feedback from consumers, citing issues like aggressive debt collection practices and numerous complaints related to poor service and consumer rights violations.

Common Complaints About Reliant Capital Solutions

Consumer complaints about this company often include:

• Frequent calls: Receiving calls multiple times within a short period
• Threatening language: Facing threats that legal action will be immediate, even without basis
• Sharing information: Informing unauthorized third parties about the debt
• Calls at prohibited hours: Contacting consumers before 8 a.m. or after 9 p.m.

These complaints indicate a pattern of aggressive behavior that the FDCPA aims to prevent. When these practices occur, consumers have legal recourse.

What Constitutes Harassment from Reliant Capital Solutions?

Harassment from debt collectors can take many forms. Recognizing these signs helps you identify when legal boundaries have been crossed:

• Excessive contact: Multiple calls within an hour or throughout the day
• Threats of legal action: Mentioning lawsuits or garnishments without basis
• Public shaming: Informing others, such as your employer or family, about your debt
• Deceptive tactics: Posing as legal authorities or using fake names
• Abusive language: Using obscene or profane language during calls
• Ignoring your requests: Continuing to call after you’ve requested they stop

If you’re experiencing any of these behaviors, consumer protection attorneys can help you understand your rights and take action.

Your Rights Under the FDCPA

The FDCPA protects consumers from abusive and unfair debt collection practices. Understanding these protections empowers you to recognize violations and take action. The FDCPA explicitly prohibits:

• No excessive calls: Collectors cannot call you repeatedly to annoy or harass you
• No threats: Debt collectors cannot threaten you with actions they cannot or do not intend to take
• No third-party contact: Without permission, they cannot inform third parties about your debt
• Truthful representation: Collectors must identify themselves honestly and cannot misrepresent their authority
• Appropriate calling hours: Calls must occur between 8 a.m. and 9 p.m. in your time zone
• Respect workplace boundaries: If you inform them that your employer prohibits such calls, they must stop

When collectors breach these regulations, they break federal law. You can file a complaint and potentially pursue compensation for damages.

Also read: Recovery Solutions Group Debt Collection Harassment

How to Validate and Verify Debts

When dealing with Reliant Capital Solutions, validating and verifying the debt they claim you owe is crucial. This process protects you from paying debts you don’t owe or incorrect amounts.

Under the FDCPA, debt collectors must provide you with a written notice of the debt within five days of their first contact. This notice must include:

• The amount of the debt
• The name of the creditor
• A statement indicating your right to dispute the debt within 30 days

You can request documentation that proves the debt’s legitimacy by sending a debt validation letter. Request details about the original creditor, the amount owed, and any relevant payment history. Once you send this request, the collector must cease collection attempts until they provide proper validation.

Legal professionals can help you draft an effective debt validation letter that properly invokes your rights and creates a clear record of your request.

Credit Reporting and the Fair Credit Reporting Act

Reliant Capital Solutions may report your debts to credit bureaus, which can negatively impact your credit score. However, the Fair Credit Reporting Act (FCRA) regulates how credit reporting agencies handle debt collection information.

If you believe they have reported inaccurate or incomplete information to the credit bureaus, you have the right to dispute it. Send a written request to the address listed on your credit report. Additionally, contact them directly to request the removal of any inaccurate or negative marks.

Consumer rights attorneys specializing in FCRA cases can help you navigate credit reporting disputes and ensure your credit report reflects accurate information.

Steps to Stop Reliant Capital Solutions Harassment

If you’re experiencing harassment, taking immediate action protects your rights and stops the behavior.

Document Everything

Keep a detailed record of each interaction:

• Phone calls: Note each call’s date, time, and content
• Letters and emails: Save copies of all written communications
• Voicemails: Record and transcribe any voicemails left by the agency

This documentation builds a strong foundation if you decide to take legal action.

Send a Cease and Desist Letter

One of the most effective ways to halt communication is sending a formal cease and desist letter. This letter informs the debt collector that you wish to stop receiving further communication.

Your letter should:

• Include your details: Name, address, and account number (if applicable)
• State your intent clearly: Use concise language to request all further communications cease immediately
• Send via certified mail: This provides proof of delivery and legal documentation

Once they receive this letter, they can only contact you to confirm they’re ceasing contact or to inform you of specific legal actions they plan to take.

Request Debt Validation

Within 30 days of first contact, send a written request for debt validation. They must provide proof before continuing collection efforts. During the validation period, they cannot contact you about the debt.

Seek Legal Assistance

If harassment persists or you believe your rights have been violated, consulting with consumer protection attorneys is essential. At The Wood Law Firm, we handle debt collection harassment cases and can help you:

• Review your case to determine if violations occurred
• File complaints with the appropriate regulatory authorities
• Pursue compensation for damages caused by harassment
• Stop further contact from the collection agency

Call +1-844-638-1122 for a free consultation.

Also read: FirstPoint Collection Resources Harassment

What If Reliant Capital Solutions Sues You?

If they sue you, taking immediate action is essential to protect your rights. Start by responding to the lawsuit by filing an answer with the court, which allows you to dispute the debt and any allegations made.

Consider hiring an attorney to represent you in court. An experienced attorney can help you navigate the legal process and ensure your rights are protected. Ignoring a lawsuit can result in a default judgment, leading to wage garnishment and other negative consequences.

The Wood Law Firm can represent you in court and work to achieve the best possible outcome for your situation.

Negotiating Debt Settlement

If you owe a legitimate debt, negotiating a settlement might be a viable option. This process involves offering to pay a lump sum or a series of payments in exchange for the debt collector agreeing to remove the negative mark from your credit report.

To negotiate a debt settlement, contact them and explain your financial situation. You can propose paying a percentage of the debt, and they may accept your offer. Ensure that any agreement is documented in writing and includes a provision for removing the negative mark from your credit report.

Consumer protection attorneys can negotiate on your behalf to ensure you receive fair terms and proper documentation.

About The Wood Law Firm

At The Wood Law Firm, our mission is simple: to protect consumers from predatory practices and ensure they receive the fair treatment they deserve. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). For over a decade, we have fought tirelessly to hold companies accountable and to secure justice for our clients.

When you partner with us, you benefit from:

• Experienced attorneys: Our team has handled numerous cases involving collection harassment
• Personalized support: We tailor our approach to suit your specific situation
• Effective communication: We make sure you understand every step of the process
• Strong advocacy: We fight for your rights to ensure fair treatment and pursue compensation if you’re eligible

The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.

About Jeff Wood