R&R Professional Recovery is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is R&R Professional Recovery?
R&R Professional Recovery, Inc. (R&R) is a third-party collection agency based in Maryland that specializes in collecting delinquent medical bills. R&R has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and failing to provide written verification of debts. If R&R has contacted you about delinquent financial obligations, make sure you understand your rights before you take action.
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Is R&R Professional Recovery a scam?
They’re legit. According to the Better Business Bureau (BBB), R & R Professional Recovery, Inc. was founded in 2001. The BBB also established a profile page for R&R in 2001. The BBB lists R&R as a collection agency with an estimated 7 employees. Buzzfile estimates R&R’s annual revenue at $922,000 and the size of its headquarters staff at 10 employees.
According to its website, R&R “is an attorney-managed third-party debt collection firm that…provides complete collection services.” R&R states that they are “professional yet persistent in the way they handle… accounts.” R&R “takes collection work very seriously.” R&R believes it is “important to… professionally collect… accounts…by using a persistent and positive…collection approach.”
R&R “represents medical practices of all sizes, medical billing groups, and medical insurance companies.” In addition, R&R accepts delinquent collection accounts for “a wide range of commercial businesses, such as rental properties, management companies, and a variety of retail and professional firms.”
R&R Professional Recovery is “a full-service agency offering a complete range of collection services, including litigation and post judgment collection work.” R&R’s services include, but are not limited to, customized series of letters; phone calls placed from a call center employing trained collectors utilizing an automated dialing system; skip-tracing that utilizes a variety of location resources; credit reporting to the three major credit reporting agencies; full litigation services, “including preparing and filing suit, appearing in court, and post judgment collection”; customized reports; and manual and electronic account transfer.
R&R is a licensed collection agency that “carries… a $5,000.00 statutory bond.” R&R also “maintains licenses in other states, as needed.” R&R is a member of the American Collectors Association (ACA) and is “compliant with all state and federal regulations, including, but not limited to, the FDCPA and HIPPA.” The R&R website does not include any links to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against R&R Professional Recovery?
As of September 2019, the BBB has closed 8 complaints against R&R Professional Recovery in the preceding three years, with 6 complaints closed in the previous 12 months. Almost all of those complaints cited problems with billing and collections. As of June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints involving R&R. Justia lists at least 1 case of civil litigation involving R&R.
R & R Professional Recovery, Inc. PO Box 21575 Pikesville, MD 21282-0575 Telephone: (410) 653-6180
Can R&R Professional Recovery Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely R&R would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Complaints against R&R Professional Recovery cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In July 2019, a complainant stated that R&R had somehow found information about his family members, “contacted them, threatened their credit, and revealed his personal information.” Specifically, the complainant stated that an R&R representative had contacted his father about a delinquent bill for a storage unit and asked him for personal information about the complainant. According to the complainant, his father “advised them that he is not related to the complainant’s account.” Allegedly, when the complainant’s father “asked what the call was about, the R&R representative told him the amount the complainant owed, to whom he owed it, and that if he didn’t pay that it could affect his credit.” The complainant stated that his father was scared into providing personal information to them. His father then “immediately called the complainant and told him what had taken place.” When the complainant called R&R to discuss the matter further, he asked him why they had contacted his family. Allegedly, the R&R representative told him that the original creditor had provided the information, but when the complainant contacted the original creditor and checked the contract, he did not find any record of his father’s information, nor had he ever provided them with such information. R&R responded by offering a settlement amount, but the complainant “was not willing to negotiate because of what took place with his father.” In response, R&R stated that they had “just got back from vacation.” They assured the complainant that the “account has been settled and is being removed from the complainant’s credit report.”
In August 2017, a complainant objected that she did not owe for the account R&R Professional Recovery was trying to collect. She said she had “tried on three different occasions to have R&R validate the account,” and that she has “no knowledge of this account or date of service in question.” She said she had requested “that… documentation bearing her signature that verifies… the date of service be provided,” but that R&R “repeatedly ignored this request,” instead sending “very unprofessional… copy that someone just wrote…without any authentic documents and…without her signature.” She also requested proof that R&R is “licensed to do business in the state of Maryland.” In response, R&R insisted that they had spoken with the complainant on several occasions and provided her with all the debt verification requests she had sent, as well as all her other requests. They also stated that they had notified the credit reporting agencies of her dispute. The complainant insisted the R&R was attempting to collect for services that she had not received.
R&R Professional Recovery Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“I used to get up to 15 calls a week from several collection agencies. It got so bad I felt like I should just get a new phone number to make it quit. Happily, I discovered Lemberg Law. They immediately put an end to the calls. Now, when my phone rings I do not dread it.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
Can You Help Me Delete R&R Professional Recovery from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.