Nobody likes to be bombarded with calls, especially when it’s from debt collectors like Reliant Capital Solutions. You’re going about your day, and then ring ring, there goes your peace of mind. It’s a problem that’s not only irritating but can also feel incredibly invasive.
We get it. Having your phone ring off the hook with demands for payments can be a harrowing experience. It takes a toll on your day and leaves a cloud of anxiety hanging over you. It’s not just about the calls; it’s about the stress and pressure that come along with them.
But here’s the good news: you’re not powerless in this situation. There are actionable steps you can take to fight back against Reliant Capital Solutions and regain your peace.
In this article, we’ll guide you through the nitty-gritty of how to stop those annoying calls and reclaim your tranquility. Your phone should be a source of connection, not a trigger for anxiety. And with a little know-how, you can turn the tables on Reliant Capital Solutions and make those calls a thing of the past.
Who is Reliant Capital Solutions and, are they a Scam?
Reliant Capital Solutions is a privately-held debt collection agency that was founded in 2007 and operates out of Gahanna, Ohio. The firm specializes in managing accounts receivable and provides debt recovery services across several sectors including higher education, healthcare, automotive, retail, commercial, and teleservices.
Complaints against Reliant Capital Solutions
Although not a scam, Reliant Capital Solutions has garnered a less than stellar reputation among consumers due to complaints about aggressive and persistent debt collection tactics, inaccurate billing, and a lack of communication from representatives.
The Better Business Bureau (BBB) has accredited Reliant Capital Solutions since July 24, 2019, and assigned it an A+ rating. This rating doesn’t incorporate customer reviews but is likely based on the business’s complaint history, transparency, and other factors. Over the past three years, 46 complaints have been closed, with 25 of those complaints closed in the last 12 months.
Know Your Rights Reliant Capital Solutions
Moreover, it’s important to note that the debt collection practices of Reliant Capital Solutions are regulated under the Fair Debt Collection Practices Act (FDCPA). This act governs how debt collectors can interact with debtors, ensuring the latter are protected from unfair, deceptive, or abusive practices.
For instance, under the FDCPA, debt collectors like Reliant Capital Solutions are restricted from contacting individuals at inconvenient times or places, and are obliged to cease communication upon written request from the debtor.
This regulatory framework sets a legal precedent for individuals looking to understand their rights when dealing with Reliant Capital Solutions or similar debt collection entities.
Understanding Legal Protections Against Debt Collection Violations
It’s crucial to know your rights when dealing with debt collectors like Reliant Capital Solutions. There are legal boundaries set to prevent unethical practices.
In this section, we list violations that could serve as a basis for a legal case against a debt collector, empowering you to address any misconduct and resolve your debt issues lawfully.
- Harassment or Abuse: Engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. This includes using threats of violence, publishing lists of consumers who refuse to pay debts, using obscene or profane language, and repeatedly or continuously engaging in telephone conversation with the intention to annoy, abuse, or harass any person at the called number.
- Misrepresentation: Misrepresenting the amount, character, or legal status of any debt; falsely representing themselves as attorneys or government representatives; falsely representing that a consumer committed a crime or other conduct in order to disgrace the consumer; and misrepresenting that documents are legal processes.
- Unfair Practices: Collecting any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
- Failure to Provide Verification of Debt: Failing to provide the consumer with written verification of the debt, or failing to cease collection of the debt if the consumer disputes it in writing.
- Communication Violations: Communicating with consumers at inconvenient times or places, such as before 8 a.m. or after 9 p.m. (unless the consumer agrees otherwise), and at a consumer’s place of employment if the debt collector knows or has reason to know that the employer prohibits such communications.
- Third-Party Communications: Communicating with third parties about the consumer’s debt without prior consent from the consumer or court permission, or after the consumer has provided written notice that they refuse to pay the debt.
- Ignoring Consumer’s Request for Communication Cease: Continuing to attempt to collect on a debt after a consumer has requested in writing that the debt collector cease further communication.
- Failure to Identify as a Debt Collector: Failing to disclose in the initial written communication with the consumer and at least once per month thereafter that the communication is from a debt collector, and, if applicable, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose.
These are general practices outlined in the Fair Debt Collection Practices Act (FDCPA) and apply to all debt collectors, including Reliant Capital Solutions. Consumers who believe that Reliant Capital Solutions or any other debt collector has violated any of these provisions may have legal recourse.
How to Fight & Beat Reliant Capital Solutions
Taking control and fighting back against debt collectors like Reliant Capital Solutions is a matter of understanding your rights and the legal framework within which these agencies operate.
Here are 9 steps to help you navigate this challenge:
1. Dispute the Debt
Always dispute debts held by collection companies. If you don’t dispute the debt within 30 days, it is presumed valid. Use a Debt Validation Letter to request documentation that verifies the debt, such as a copy of the original contract, and ensure the agency is licensed to collect debt in your state.
2. Negotiating with Reliant Capital Solutions
Engage in negotiation to possibly lower the amount owed or create a feasible payment plan. It’s advisable to get any agreements in writing to avoid misunderstandings later on.
3. Debt Settlement
Explore debt settlement options. Reliant Capital Solutions may be willing to settle for less than the amount owed, especially if the debt is old or if they believe collecting the full amount will be difficult.
4. Get Professional Help
Seek the assistance of a credit repair professional to help remove negative items related to Reliant Capital Solutions from your credit report.
5. Check the Statute of Limitations
Verify the date of the debt against the statute of limitations in your state. If the statute has expired, the collector cannot pursue legal action against you.
6. Control the Communication
Set boundaries on how and when Reliant Capital Solutions can contact you. Write a “stop contact” or “cease” letter to stop their calls, and send it by certified mail with “return receipt requested” to prove it was sent.
7. Contest the Debt with Credit Bureaus
If the debt isn’t validated or if you believe it’s not yours, file a dispute with the credit bureaus to have it removed from your credit report.
8. Don’t Succumb to Pressure
Don’t give in to pressure to pay on the first contact. Take your time to understand the debt and explore your options before making any commitments.
9. Report Violations
If you believe Reliant Capital Solutions is violating any rules, report them to the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), and your state’s attorney general.
Each step involves its own set of actions and documentation. Remember, being informed and proactive is key to handling interactions with debt collectors like Reliant Capital Solutions and protecting your financial health.
Handling interactions with Reliant Capital Solutions might feel overwhelming, but remember, help is just a call away. We specialize in negotiating and settling debts on your behalf, alleviating the pressure that comes with dealing with debt collectors.
A key step towards financial peace is removing Reliant Capital Solutions from your credit report. Our services are designed to address this, ensuring a smoother path towards improving your credit score.
Your journey towards financial stability doesn’t end here. We also offer assistance in rebuilding your credit post-settlement. Feel free to reach out to us, and let’s work together to reclaim your financial freedom and build a brighter future.