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Superlative RM

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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.

  • 1 Comment

    1. Pete S. on October 25, 2015 at 6:35 pm

      Superlative RM is calling me at work. Superlative RM has been told I can’t take personal calls. Thanks to Superlative RM, my coworkers know I owe a supposed debt I don’t even think I owe.

    2. jeffery miller on October 2, 2018 at 7:00 pm

      Superlative RM is calling me with extreme attitudes, I feel attacked when they call, so much that I end up hanging up, they can not conduct one simple conversation without sounding like they want to fight. I would rather fight this guy than to talk because that is his style of talking. no matter what you say, no matter what is explained, all you get is a demand for money. Money I say I DONT owe. apparently, I had my payments to tempo on a automatic draft and stopped the draft from my account before the last 151.00 payment was made. now maybe 5 or 6 years later, I owe 1,293.05 . That was the original amount of the cost of a bedroom set for my son that is long gone , married with children. I said I would make a payment today ( 2 Oct) but he called this morning demanding I tell him a time I was going to pay, when I said, now I am going to pay before midnight, he literally turned into a demon. I had to say, ” MAN, F. U. ” it sounds like the same guy everytime although he claims I was talking to other co workers. they all sound the same , age and all have that angry attitude.

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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.