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Rickart Collection Systems Inc

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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 3 Comments

    1. Barry M. on March 26, 2015 at 9:40 pm

      I received a notice from Experian that a collection was reported unpaid for $2309.00 by Rickart Collection Systems. This is not my account, it dropped my credit score by 60 points, and this is costing me time and money. Rickart Collection Systems needs to remove this erroneous credit reporting from my file.

    2. Jordan K. on May 11, 2015 at 9:18 pm

      I have been receiving the occasional demand for payment letter from Rickart Collection Systems. I got one about a month ago from Rickart Collection Systems that was almost threatening but laughable at the same time. Rickart Collection Systems threatened to “check my finances”. I received another letter within the last week from Rickart Collection Systems that was so nice, asking if I was getting an income tax refund.

    3. Paula E. on October 27, 2015 at 10:28 pm

      Rickart Collection Systems Inc reports to Experian on the wrong peoples’ credit apparently. Rickart Collection Systems Inc needs to take this off my credit.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.