Major illegal harassment (and more) problems:

[sevends]

What is the name of your state (only U.S. law)? North Carolina

Three years ago after my divorce I took out a payday loan, and paid it back. My credit is fine with no collections on it.

Now, out of the blue I have family and friends receiving harassing calls (3+) a day saying that I owe a debt, they try to "serve" me over the phone, say I am supposed to be in court the next day ect. Another problem beyond the fact that this has already been paid is that they're calling people I would never in a million years put in as a reference or emergency contact. One of the people they are contacting is a girl I hadn't spoken to in over ten years.

I have researched the number and I am finding a lot of complains over this company: RH Company. Apparently they buy both paid and unpaid account information from the original creditor, and they get away with breaking debt collector laws by calling themselves arbitrators. They also only collect payment by credit card, or check/routing number and refuse to give any address or company information. They keep themselves very ghost like and untouchable and purposefully go after friends and family.

So, I understand that this is beyond a normal debt collection... we're going into privacy issues, identity theft, harassment, ect. But, I am not really sure what to do, if a lawyer can even help, and if so what kind of lawyer to even obtain?

Thanks!

 

[sevends]

Company name I just found out is Rotech Holdings

 

[davew128]

Why aren't your friends telling this company to put certain items in certain body cavities and hanging up on them? Personally, I'd have a third person conversation involving my friends Larry, his brother Darryl, and his other brother Darryl while on speakerphone with these guys.

 

[justalayman]

So, I understand that this is beyond a normal debt collection... we're going into privacy issues, identity theft, harassment, ect. But, I am not really sure what to do, if a lawyer can even help, and if so what kind of lawyer to even obtain?

Thanks!

identity theft? Where?

harassment- have they contacted you?

privacy issues- depends on what they say to the people they speak with

 

[sevends]

identity theft? Where?
- You're right, I'm unsure how to word this one. They are contacting people, and I have no clue how they received their information.

harassment- have they contacted you?
-Harassment of Mother, Brother, old Classmate. They will not call me, which is so odd.

privacy issues- depends on what they say to the people they speak with
-They say that I am being served, or that I'm due in court because of an unpaid debt. They are very mean, and have threatened that they will show up at their house (friends) serve me if I do not call back in 24 hours.

 

[justalayman]

sevends;3259263]identity theft? Where?
- You're right, I'm unsure how to word this one. They are contacting people, and I have no clue how they received their information.

that is not identity theft. It is good skip tracing.

harassment- have they contacted you?
-Harassment of Mother, Brother, old Classmate. They will not call me, which is so odd.

that is a violation of the FDCPA if they have called any of them more than once unless they believe there is reason to believe what they were told has changed.

privacy issues- depends on what they say to the people they speak with
-They say that I am being served, or that I'm due in court because of an unpaid debt. They are very mean, and have threatened that they will show up at their house (friends) serve me if I do not call back in 24 hours.

definitely a violation of the FDCPA.

so, what do you want to do about it?


You can sue them if you wish.
and/or (from the FTC website):

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law

https://www.consumer.ftc.gov/articles/0149-debt-collection