Who is Rubin & Rothman, LLC?
Rubin & Rothman, LLC is a debt collection agency and creditor’s rights law firm based in Islandia, New York.
If you have unpaid debts, these might be transferred to Rubin & Rothman, LLC for collection, and hence, they may appear on your credit report as a collections account.
Who does Rubin & Rothman collect for?
Rubin & Rothman, LLC represents an array of debt buyers and notable financial institutions. They collect on behalf of major banks like Bank of America, Capital One Bank, Citibank, GE Money Bank, and JPMorgan Chase Bank. They also represent Sears Credit Cards in their debt collection efforts.
Is Rubin & Rothman legit or a scam?
Rubin & Rothman is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Rubin & Rothman 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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Rubin & Rothman, LLC Contact Information
Address:
Rubin & Rothman, LLC
1787 Veterans Memorial Highway
Islandia, NY 11749
Phone number: (800) 298-6058
Should I contact or pay Rubin & Rothman?
It’s best to avoid speaking to a debt collection law firm on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Rubin & Rothman is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rubin and Rothman on behalf of their clients.
Will Rubin & Rothman sue me or garnish my wages?
Rubin & Rothman, LLC has the legal authority to sue you for unpaid debts. If the lawsuit results in a judgment against you, they could potentially garnish your wages or bank accounts, subject to the laws in your state.
However, lawsuits are typically a last resort for collection agencies and law firms. Most prefer to work out a payment plan with you, as court proceedings can be costly and time-consuming.
Rubin & Rothman, LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If Rubin & Rothman is harassing you, you may want to 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 Rubin & Rothman, LLC
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collection companies don’t take advantage of you. In particular:
- It is a violation of federal law for Rubin & Rothman 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.
- Rubin & Rothman cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Rubin & Rothman 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.
- Rubin & Rothman cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Rubin & Rothman From Your Credit Report Today!
Credit Saint offers assistance with disputing Rubin & Rothman 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.
