Regional Adjustment Bureau or RAB, Inc. is a privately owned collection agency working out of Memphis, Tennessee and aiming at maximum recovery for their clients.
What views do customers have about RAB Inc.?
Customers have offered their feedback on this Receivables Management Company in the Debt Consolidation Care Community forums. Here are what they have to say about the company:
- Non-stop collection calls: Customers have made Regional Adjustment Bureau complaints related to the incessant phone calls the company makes to the debtors. They have accused the company professionals of being rude and demanding. Read more
- Calling at work: Regional Adjustment Bureau has been accused of calling the place of employment of debtors and harassing them for collection. Find out more
- Asking for neighbor's credit details: Debtors have alleged that Regional Adjustment Bureau Inc. or RAB Inc. called neighbors to gather information about the debtors' credit. Get more details
- Repeatedly calling the wrong people: Individuals have complained of receiving constant calls from RAB Inc. for debts they do not owe. They have alleged that the calls did not stop even after the collection agency was informed. Find more details
- Rude and disrespectful representatives: Debtors have made Regional Adjustment Bureau complaints saying that it is a very rude and disrespectful company. It has also been accused of charging a debtor twice the original amount owed. Get more details
How should you contact Regional Adjustment Bureau?
The address on which you may write to them is:
7000 Goodlett Farms Parkway
Memphis, TN 38016
You may also call them at the Regional Adjustment Bureau phone numbers: 901-382-0250 or 800-829-0250
What to do if you are harassed by a Collection Agency (CA)?
The Fair Debt Collection Practices Act (FDCPA) has laid rules to protect the rights of debtors. Here are a few ways by which you can be protected from harassing collectors like RAB:
- Stop 3rd party calls: If a debt collector is calling your family member, friends, neighbors, employers and employees for your debts, when they have your number, it is against the FDCPA rules. The only time CAs can call these people is when they cannot locate you. If they already have your location information, then they can no longer call any third party.
- Stop calling letter: If you want a debt collector to stop making collection calls at your home, you may send him a 'stop calling letter'. To stop them from calling at work, you may either do it verbally or simply send them a letter asking them not to call. There is a restriction to the number of times a Collection Agency (CA) can call you in a day. Be aware of these rules and protect yourself. You may find sample letters available, which, you may use to send to the collection agencies if you want them to stop calling you.
- Record phone conversation: This is an effective way to stop collectors from making harassing calls. You need to inform the person on the other side that you will be recording this telephone conversation as evidence. This evidence will then be used to file a formal complaint with the State Attorney General and the Federal Trade Commission (FTC). Remember that you should inform the caller before you begin taping the call.
The FDCPA protects your rights as a debtor and you must be aware of the laws in order to tackle debt collection agencies. Unless you are aware of your rights, you cannot get respite from harassing creditors.