Who is Rickart Collection Systems?
Rickart Collection Systems, Inc. (RCS) is a debt collection agency based in North Brunswick, New Jersey. They operate by working with creditors to collect unpaid debts.
If you notice Rickart Collection Systems appearing on your credit report, it signifies that you have an unpaid debt they’re trying to collect on behalf of a creditor. This is usually the result of an unpaid bill, loan, or some other financial obligation that hasn’t been satisfied.
Who does Rickart Collection Systems collect for?
Rickart Collection Systems provides debt collection services to a wide range of clients across various industries. The specifics of their client base are not explicitly stated but could include creditors from sectors such as healthcare, utilities, financial services, and more.
Is Rickart Collection Systems legit or a scam?
Rickart Collection Systems is a legitimate debt collection agency. However, they may employ assertive tactics such as repeated phone calls, text messages, or emails in their efforts to collect a debt.
How can I remove Rickart Collection Systems from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Rickart Collection Systems, Inc. (RCS) Contact Information
Address:
Rickart Collection Systems
575 Milltown Road Ste 2
North Brunswick, NJ 08902
Mailing address:
Rickart Collection Systems
P.O. Box 7242
North Brunswick, NJ 08902
Phone number: (800) 742-5278 or (732) 247-0300
Should I contact or pay Rickart Collection Systems, Inc.?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Rickart Collection Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rickart Collection Systems on behalf of their clients.
Will Rickart Collection Systems, Inc. sue me or garnish my wages?
Rickart Collection Systems, Inc. is entitled to sue you to recover an unpaid debt. If they win the lawsuit and receive a judgment against you, they may have the ability to garnish your wages or levy your bank account, depending on your state’s laws. It’s important to note, though, that lawsuits are typically a last resort for most debt collection agencies, as they can be time-consuming and costly.
Rickart Collection Systems, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Rickart Collection Systems
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Rickart Collection Systems to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Rickart Collection Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Rickart Collection Systems must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Rickart Collection Systems cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Rickart Collection Systems From Your Credit Report Today!
Credit Saint offers assistance with disputing Rickart Collection Systems collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
