Debt Collections Philadelphia PA

 

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Both state and federal laws protect consumers from unfair debt collection practices.

Debt collection by telephone

A debt collector may contact you by phone only at convenient times - that is generally interpreted to mean between 8:00 a.m. and 9:00 p.m.
Debt collection by mail

Your financial affairs are private. A collection agency may not communicate with you by postcard, because then anyone could read the message.

An envelope from a collection agency must contain neither language nor symbols to indicate that the communication relates to the collection of a debt.

Can I stop a collection agency from contacting me?

If you do not want the debt collector to contact you at all, you can simply:

• Notify them in writing that you refuse to pay; or
• Notify them in writing that you want them to stop all further communication; or
• Notify them of the name of your lawyer and tell them to communicate only with your lawyer.

Harassment by collection agencies

Federal law prohibits collection agencies from:

• Making threats
• Using obscene or profane language
• Publishing lists of "deadbeats," and
• Making harassing phone calls

Violators are subject to penalties of up to $1,000 per violation (which go to the government).

If you believe a collection agency has violated your rights, contact the Federal Trade Commission or see a lawyer who specializes in consumer rights.

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RMI Consulting LLC

Our policies and procedures are build on vision, innovation, experience and a successful history.

(215) 279-9321
P.O. Box 28699
Philadelphia, PA
http://www.rmiconsults.com

RMI is a nationally recognized accounts receivables management consulting firm with offices in Houston, TX and Philadelphia, PA. Our primary focus is to improve cash flow, reduce daily sales outstanding (DSO) and increase the profitability of the businesses we represent.

Our policies and procedures are build on vision, innovation, experience and a successful history. RMI will develop and implement a customized solution for the timely liquidation of your past due receivables in order to obtain immediate financial success.

We believe reducing the frequency and severity of your past due receivables and write-offs is as important as finding new customers.

Our goal is to partner with your organization to ensure that you’re financial and operational goals are seamless, continuous and efficient.

– http://www.rmiconsults.com