What is it?
R&R Solutions is a debt collection agency that has been sued for its illegal and abusive practices, including:
- Calling consumers at unreasonable times, including weekends and late at night
- Threatening consumers with arrest or deportation
- Using profane and abusive language
- Failing to provide consumers with accurate information about their debts
Who has sued R&R Solutions?
R&R Solutions has been sued by individual consumers, as well as by state and federal regulators. For example, in 2022, the Consumer Financial Protection Bureau (CFPB) sued R&R Solutions for violating the Fair Debt Collection Practices Act (FDCPA). The CFPB alleged that R&R Solutions engaged in a variety of illegal practices, including threatening consumers with arrest and deportation, and using profane and abusive language.
What is the status of the lawsuit?
The CFPB’s lawsuit against R&R Solutions is ongoing. In 2023, the CFPB reached a settlement with R&R Solutions, in which R&R Solutions agreed to pay a $1 million fine and to change its debt collection practices. However, the settlement is still subject to approval by a federal court.
What can I do if I have been harassed by R&R Solutions?
If you have been harassed by R&R Solutions, you have a number of options. First, you can file a complaint with the CFPB. You can also file a complaint with your state’s attorney general’s office. Additionally, you may be able to file a lawsuit against R&R Solutions in your own name.
Here are some additional tips for dealing with R&R Solutions:
- Do not give out any personal information to R&R Solutions, such as your bank account number or Social Security number.
- Tell R&R Solutions to stop contacting you if you do not owe the debt they are collecting on.
- Keep a record of all communications you have with R&R Solutions.
- If you are threatened or harassed by R&R Solutions, contact an attorney.Conclusion
R&R Solutions is a debt collection agency that has been sued for its illegal and abusive practices. If you have been harassed by R&R Solutions, you have a number of options, including filing a complaint with the CFPB or your state’s attorney general’s office, or filing a lawsuit against R&R Solutions.
FAQs
Q: What is the difference between a debt collector and a collection agency?
A: A debt collector is a person or company that collects debts on behalf of another person or company. A collection agency is a type of debt collector.
Q: What are my rights under the FDCPA?
A: The FDCPA prohibits debt collectors from engaging in a variety of abusive practices, such as calling consumers at unreasonable times, threatening consumers with arrest or deportation, and using profane and abusive language.
Q: What should I do if I am contacted by a debt collector?
A: If you are contacted by a debt collector, you should ask for their name, the name of the company they represent, and the name of the creditor they are collecting for. You should also ask for their mailing address and phone number. If you do not owe the debt, you should tell the debt collector to stop contacting you. You should also keep a record of all communications you have with the debt collector.
Q: What should I do if I am threatened or harassed by a debt collector?
A: If you are threatened or harassed by a debt collector, you should contact an attorney. You may also be able to file a complaint with the CFPB or your state’s attorney general’s office.
Q: How do I know if a debt collector is legitimate?
A: You can check to see if a debt collector is legitimate by contacting the CFPB or your state’s attorney general’s office. You can also search for the debt collector’s name online to see if there have been any complaints filed against them.
Q: What can I do if I am sued by a debt collector?
A: If you are sued by a debt collector, you should contact an attorney. You may be able to raise a number of defenses, such as the statute of limitations or the fact that you do not owe the debt.
References:
- Consumer Financial Protection Bureau (CFPB): https://www.consumerfinance.gov/
- Fair Debt Collection Practices Act (FDCPA): https://www.investopedia.com/terms/f/fair-debt-collection-practices-act-fdcpa.asp
- CFPB sues R&R Solutions for FDCPA violations: https://www.consumerfinance.gov/about-us/newsroom/cfpb-sues-installment-lending-conglomerate-for-illegally-churning-loans-to-harvest-hundreds-of-millions-in-loan-costs-and-fees/
- CFPB reaches settlement with R&R Solutions: https://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-global-client-solutions-for-processing-illegal-debt-settlement-fees/
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