RRCA Accounts Management 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 RRCA Accounts Management?
RRCA Accounts Management, Inc. (RRCA) is a third-party collection agency based in Illinois. RRCA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed. If RRCA has contacted you about delinquent financial obligations, make sure you understand your rights before you respond.
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Is RRCA Accounts Management a scam?
They’re legit. According to the Better Business Bureau (BBB), RRCA Accounts Management, Inc. is a business services company. The BBB does not provide any information about RRCA’s founding date. The BBB established a profile page for RRCA in 1998 and has posted a notice indicating RRCA management has not yet claimed BBB’s listing. Buzzfile indicates that RRCA was founded in 1989. Buzzfile also estimates RRCA’s annual revenue at just under $1 million and the size of its headquarters staff at 10 employees.
According to its website, RRCA “is a full-service collection agency … that has been successful in the collection business since 1979.” RRCA ”continues to grow and is now in its third facility…Over the last 30 years, RRCA has made 2 acquisitions of other collection agencies,” which has allowed it to expand its reach into neighboring regions.
RRCA’s primary market is “medical care facilities and providers.” In addition, “RRCA services utility and retail clients, all sizes of businesses, property owners, and municipalities.” As a full-service collection agency, RRCA offers “a full range of collection services, including an in-house attorney.” Aside from these descriptions, the RRCA website does not offer any detailed information about its collection practices or services.
The RRCA website itself includes many tabs to pages that have not yet been populated with information. For example, the “Pay Online” tab and the “Services” tab each lead to pages that read, “Coming soon!” The Employment tab indicates that RRCA does not have any open positions. The Client Access page includes an email address link for clients who wish to submit spreadsheets with new collection account information and a link to a third-party site that allows existing clients to access their account information. There is also a Prospective Clients tab with an email address and a link to a registration form.
The RRCA website provides little information about its regulatory compliance policies. They have posted a Collector’s Pledge, stating that RRCA management “adheres to ACA International’s Collector’s Pledge.” This pledge asserts that RRCA collectors have agreed that they “believe every person has worth as an individual; …that every person should be treated with dignity and respect; …that they will make it their personal responsibility to help consumers find ways to pay their just debts; …and that they will be professional and ethical.” However, the RRCA website does not provide any links or references 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 RRCA Accounts Management?
The BBB has given RRCA Accounts Management a rating of F. As of January 2019, the BBB has closed 2 complaints against RRCA in the preceding three years, with 1 complaint closed in the previous 12 months. Both of those complaints cited problems with billing and collections. Neither the Consumer Financial Protection Bureau (CFPB) nor Justia has posted any complaint data about RRCA.
RRCA Accounts Management, Inc. 201 E 3rd St. Sterling, IL 61081-3611 Telephone:(815) 626-6060 Website: https://rrcaaccounts.com/
Can RRCA Accounts Management 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 RRCA 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against RRCA Accounts Management?
Absolutely. Here are some Sample Complaints
Complaints against RRCA Accounts Management cite problem resulting from disputes about the validity of debts and the accuracy of billing and accounting practices. In July 2018, a complainant stated that he had received “a collection notice from RRCA for a bill, which was in good standing… in 2015/16” for a healthcare provider that had“been bought out by” a larger healthcare services provider. The complainant stated that he had “been making monthly payments on his balance to” the original creditor, but “when… the provider switched hands, he did not receive a bill from them to pay the balance.” Subsequently, he began “receiving collection notices for a bill from 3 years ago, without any other notification, which will now be added to his credit record.” The complainant insisted that he had “paid the balance in full.”
In August 2017, a complainant alleged that RRCA Accounts Management had “charged his credit card without authorization for a new bill not in collection and used his card to pay for a collection bill.” According to the complainant, the healthcare provider “wanted him to pay $80.00 for contacts…without seeing if the trial worked.” Allegedly, he had “told them he did not need them because he uses the same prescription in both eyes,” but the doctor “ordered them without seeing if they worked.” The complainant stated that RRCA does “not have the right to charge his card” In addition, he stated that “neither of the responsible parties… are still at” the healthcare provider. He alleged further that the doctor “gives prescriptions without seeing if they work and without trials,” stating that the doctor “wanted colored contacts and wanted the complainant… to pay without trials.” The complainant stated that “both the healthcare provider and RRCA are frauds guilty of illegal practices.” RRCA did not respond to either of these complaints. The BBB cited RRCA’s failure to respond as the reason for the rating of F.
RRCA Accounts Management 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.
Stop Debt Collection Harassment
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 friends, neighbors, or coworkers
Collectors are threatening you with violence, a 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
“With your help the nagging collection calls have finally ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“When I first emailed the office, I was not exactly sure what they could do for me. I had an idea, but they responded back with everything I could expect to take place. I never believed I would be receiving a check, it was definitely a silver lining. I highly recommend them to anyone seeking customer legal services.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete RRCA Accounts Management 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.