Rosenthal, Morgan & Thomas, or RMT is a full-service third-party debt collection agency based in St. Louis, MO. RMT has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as harassment and failure to verify debts. If Rosenthal, Morgan & Thomas, has been contacting you about delinquent debts, make sure you know your rights before responding.
The harassing company pays our fees.
They’re legit. The Better Business Bureau (BBB) indicates that Rosenthal, Morgan & Thomas was founded and incorporated locally in Missouri in 2003. The BBB opened its file on RMT at about the same time. Buzzfile estimates RMT’s annual revenue at $750,000 and estimates the size of their headquarters staff at 9 people.
Rosenthal, Morgan & Thomas collects delinquent debts for financial services companies; utilities; security contracts; cable and satellite; bank cards; storage facilities; automotive loans; and commercial debt. Their philosophy is that “a business is only as good as the people it employs, and we work hard to attract the best of the best within the collections industry.”
Their website states that their goal or mission “is to recover as much of your money owed to you as humanly/legally as possible and that’s our job, bottom line.” They cite tough economic times as an acceptable justification for “adjusting…internal procedures to remain profitable,” and cite as their strength their willingness to accommodate businesses who adopt this view.
RMT asserts that “regardless of what a consumer may wish to believe, the legalities of [their] contractual terms cannot be changed,” and that by “maintaining a professional approach and explaining the facts to the consumer, [RMT has] been able to continue to achieve above average liquidation rates for [their] clients.” This statement implies a hostility and intolerance toward consumer protection laws, and, in fact, aside from their membership with the Association of Credit and Collection Professional (ACA), there is little mention on their website of compliance and no mention of outside consumer resources.
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.
The BBB has closed 24 complaints against Rosenthal, Morgan & Thomas in the past three years, with 9 closed in the past twelve months. Complaints are fairly evenly split between problems with billing and collection and problems with advertising and sales. A search for this collection agency in the Consumer Financial Protection Bureau’s (CFPB) consumer complaint database does not return any results, and Justia lists only about 2 cases of civil litigation naming RMT as a defendant.
Rosenthal, Morgan & Thomas, Inc.
12747 Olive Blvd. Suite 250
St Louis, MO 63141
Telephone: 1-800-361-0363
Website: http://rmtcollects.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely RMT 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!
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Absolutely. You can sue a debt collector. Here are some Sample Cases filed in Federal Court
In 2018, Rosenthal Morgan and Thomas, Inc. faced a proposed class action filed by a Wisconsin consumer who alleges the debt collector sent her a letter that violated the Fair Debt Collection Practices Act (FDCPA) in that it failed to explain her debt amount while misrepresenting her debt dispute rights.
According to a March 2018 invoice, the plaintiff owed a third party $249.11 for personal security services, the lawsuit says. In July, the case continues, the consumer received a letter from the defendant that listed a balance of $316.37 for the same obligation without any explanation for the balance increase. The suit claims the defendant “improperly added amounts to the Debt which are not expressly authorized by the agreement creating the Debt or permitted by law.”
Also, the BBB reported that in June 2017, a complainant alleged that Rosenthal, Morgan & Thomas violated several provisions of the FDCPA in their efforts to collect a debt. In this case, the complainant indicated that RMT had initially contacted her in mid 2016, at which time she was a resident of Indiana. By the time of the complaint, she had moved to California, and she alleged that RMT representatives had begun calling her daily before 8:00am in violation of California’s Rosenthal Act. The complainant indicated that the debt in question, for a past due amount from a storage unit, had been settled and that Rosenthal, Morgan & Thomas had failed to provide verification for the debt. The complainant also indicated that the RMT representative was hostile, rude, aggressive, and abusive in their telephone exchange. In reply, RMT indicated that they were unaware that the complainant no longer resided in Indiana, and that they had called according to the time zone indicated in their original contact information for the complainant. RMT blamed the complainant for not notifying them that she was no longer residing in Indiana. However, the complainant is not legally required to keep collection agencies informed of changes to their place of residence. On the other hand, collection agencies are required to ensure the accuracy of information in the files they manage for creditors. RMT also denied that the complainant had ever requested verification of the debt, although the burden of responsibility for providing verification of debts is on the collection agency, not the debtor. Nonetheless, Rosenthal, Morgan & Thomas indicated that they had sent a copy of the disputed contract, payment ledger, foreclosure inventory, and photos of the storage unit with its remaining items to the complainant, and asserted that she had not been relieved of any liability to pay the past due amount. Ultimately, the complainant rejected the attempt at resolution, concluding that she had not received the documents or photos; that she had call logs to prove her claims of calls at inappropriate times; that Rosenthal, Morgan & Thomas had threatened to repossess her car, garnish her wages, and take her job; and that “they asked weird things and made me uncomfortable.”
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).
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.
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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."
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They are collecting for AMPSmart security. The system is half way working had been repaired twice supposedly have a 5 year contract and 3 years still on it .My Mom has more important bills like health bills from neck issues and knee issues . Total due was around $2200 around $500 from AMPSmart and rest is there fee . Contract fee or so was called . Said She had to pay $500 first and then amount due each month.