We Help Stop Regional Adjustment Bureau RAB Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Regional Adjustment Bureau RAB
Regional Adjustment Bureau Inc or RAB 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 Regional Adjustment Bureau?

Regional Adjustment Bureau or RAB is a third-party collection agency based in Memphis, TN. Consumers have filed complaints against RAB alleging violations of the Fair Debt Collections Practices Act (FDCPA)such as making an attempt to collect a debt not owed.If you have been contacted by RAB, make sure you know your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Regional Adjustment Bureau a scam?

They’re legit. The Better Business Bureau (BBB) indicates that Regional Adjustment Bureau was founded in 1971, with BBB’s file initially opened in 1979. Buzzfile estimates RAB’s annual revenue at $34.9 million and estimates the size of its headquarters staff at 300 people.

According to its website, Regional Adjustment Bureau has been collecting third-party consumer debt for about 46 years and was recently acquired by Value Recovery Group (VRG), a merger that has brought to RAB experience in federal and state receivables management. RAB’s stated mission is to deliver creative solutions to their clients’ portfolios; provide financially responsible and legally compliant recovery programs to meet their clients’ goals; and to effectively manage their staff. With a vision of becoming the pre-eminent receivables management company in America, RAB sees itself as an extension of its clients’ businesses.

Who does Regional Adjustment Bureau collect for?

Regional Adjustment Bureau collects consumer debt for banks and retail creditors; education lenders; municipal, state, and federal government agencies; and now partners with a U.S.-based company in an effort to establish a network of collection agencies servicing student debt on an international scale. RAB cites as its strength thorough and comprehensive reporting; a strong network of attorneys specializing in debt litigation; and state-of-the-art technology.

Regional Adjustment Bureau’s website does not contain any references to consumer resources or consumer protection laws.

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 Regional Adjustment Bureau – RAB?

The BBB has closed 31 complaints against Regional Adjustment Bureau in the past three years, with 6 closed in the past twelve months. Most of those complaints alleged problems with billing and collection. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has logged 30 complaints against RAB alleging problems such as illegal communication tactics and attempts to collect debts not owed. Justia lists at least 18 cases of civil litigation naming Regional Adjustment Bureau as a defendant.

Contact Information

Regional Adjustment Bureau, Inc.
7130 Goodlett Farms Pkwy., Suite 100W
Memphis, TN 38016
Telephone: (800) 829-0250
Website: http://www.rabinc.com/

Can Regional Adjustment Bureau 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 Regional Adjustment Bureau 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Regional Adjustment Bureau Inc – RAB?

Absolutely.  You can sue a debt collector. Here is a Sample Case Complaint:

In February 2017, a consumer contacting the CFPB filed a complaint alleging problems with the way Regional Adjustment Bureau had processed a delinquent student loan. The complainant indicated that after graduation, he had defaulted on the loan repayments, and the loans were transferred to Regional Adjustment Bureau for processing. The complainant then entered into a loan rehabilitation plan with RAB, making an initial large down payment, and then several consecutive monthly payments. The rehabilitation was completed, and the loan was sold to a creditor. After the transfer, the complainant continued making monthly payments, but soon thereafter, he was contacted by a collection agency who indicated he was in default. After reviewing the Federal Student Aid site, he did discover a defaulted loan that contradicted the information Regional Adjustment Bureau had given him at the time the rehabilitation had been completed. As a result of RAB’s failure to properly transfer the loan after rehabilitation and failure to notify the complainant of loan balances, the loan continued to accrue “immense interest charges on top of the capitalization of interest already agreed to” during the initial servicing period, resulting in considerable harm to the complainant.

Regional Adjustment Bureau RAB 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).

Can I sue RAB for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.

Want to Stop Regional Adjustment Bureau RAB Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”

“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”

”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”

“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”

Can You Help Me Delete Regional Adjustment Bureau RAB from My Credit Report?

We can absolutely help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Edward H

    I received 6 consecutive calls in a 3 minute period alleging I owed a company called BD Advance 15k. I told person I don’t owe anyone and they threatened to file something tomorrow to freeze my bank and checking account. The last four number of social is not mine and they continue calling.

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