The Truth About Rockwell Legal Group’s Fair Debt Practices
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A law business that specializes in debt collecting, Rockwell Legal Group, may have written to or called you if you are having financial difficulties. According to their claims, Rockwell Legal Group is a respectable and competent company that complies with the Fair Debt Practices Act (FDCPA), a federal statute that shields customers from unfair and abusive debt collection tactics. However, is Rockwell Legal Group genuinely just and truthful? Or are they just another collection agency that use coercion and threats to extort payment? I’ll tell you the truth about Rockwell Legal Group’s fair debt collection tactics in this blog post, along with what you can do to safeguard your rights.
Rockwell Legal Group: What is it?
a collection agency for attorneys
In debt collection lawsuits, creditors and debt purchasers are represented by the legal company Rockwell Legal Group. In addition, they provide debt settlement services to customers who would want to settle their disputes out of court and settle for a lower total than what they owe. With its headquarters in New York, Rockwell Legal Group has operations in California, Florida, Illinois, New Jersey, Pennsylvania, and Texas, among other states. On its website, Rockwell Legal Group claims to have assisted thousands of customers in resolving their debt problems and to have over 20 years of experience in the debt collection sector.
What fair debt practices does Rockwell Legal Group follow?
An assertion of FDCPA adherence
Rockwell Legal Group asserts that it abides under the FDCPA, a federal statute that controls debt collectors’ conduct. The following actions by debt collectors are prohibited by the FDCPA:
- phoning you without your consent before 8 a.m. or after 9 p.m.
- phoning you at work against your instructions not to
- Bringing up your debt with your job, friends, or family
- Using derogatory or abusive words Using threats of assault, arrest, or legal action that they cannot or will not take
- deceiving or lying to you regarding the type, quantity, or status of your debt
- tack on unapproved costs or interest to your loan
- failing to give you a copy of the written proof of your debt when you ask for it
not disclosing that they are debt collectors
According to Rockwell Legal Group, they will collaborate with you to identify a solution that works for your financial circumstances and that they respect your right to privacy and dignity. Additionally, they guarantee not to harass or threaten you and to give you honest and clear information about your debt and your rights.
Which complaints have been made against Rockwell Legal Group?
Numerous unfavorable comments and accusations
But not everyone is happy with the reasonable debt collection tactics used by Rockwell Legal Group. In actuality, Rockwell Legal Group has a lot of complaints and bad ratings online. from clients who have had negative interactions with them. A few of the typical grievances are as follows:
Rockwell Legal Group garnishes wages or bank accounts without a court order. Rockwell Legal Group sues customers without providing due notice or evidence of debt.
Rockwell Legal Group declines to confirm or authenticate debts
Rockwell Legal Group is being impolite, combative, or abusive over the phone; it is disregarding cease and desist letters and pleas to stop calling.
Offering irrational or unreasonable settlement offers is Rockwell Legal Group
FDCPA or state law violations by Rockwell Legal Group
Customers have even gone so far as to claim that Rockwell Legal Group sued them for debts they never had, that were settled or paid off, or that were past the statute of limitations. These cases have the potential to raise your debt, lower your credit score, and give you worry and stress.
In the event that Rockwell Legal Group contacts you, what can you do?
A manual for defending your rights and yourself
You shouldn’t freak out or disregard Rockwell Legal Group if they call you. Rather, you ought to do the following actions to safeguard your rights and yourself:
Request documentation of your debt in writing. Make sure to document every conversation. Any calls, letters, emails, or texts you get from Rockwell Legal Group should be recorded. Any voicemails or recordings they leave you should likewise be saved. This will assist you in recording any possible FDCPA or state law infractions.
Recognize your options and rights. You are free to contest your debt, engage in settlement negotiations, ask for a payment plan, or declare bankruptcy. If Rockwell Legal Group violates the FDCPA or other state laws, you also have the right to represent yourself in court, hire an attorney, or submit a complaint. Investigate your alternatives and rights and make the best decision for yourself.
Pay nothing until you are certain. Until you are certain that the debt is yours, that the amount is accurate, and that you have a formal arrangement with Rockwell Legal Group, you should not send them any money. Additionally, until you are prepared to make a payment, you should withhold from them any personal or financial information, such as your credit card number or bank account information. Aside from that, you should refrain from saying anything that can damage your case.
In summary
An overview and an instruction
The legal practice of Rockwell Legal Group focuses on debt settlement and collection. Despite their claims to abide by the Fair Debt Practices Act, they are the subject of numerous online complaints and bad reviews. You shouldn’t freak out or dismiss Rockwell Legal Group if they get in touch with you, but you also shouldn’t put all your faith in them. Inquire about written confirmation of your debt, maintain a file of all correspondence, be aware of your rights and options, and hold off on making any payments until you are certain. To deal with Rockwell Legal Group and get your debt problems resolved, you should also think about working with a lawyer or a debt relief organization.
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