Dealing with debt is already stressful, but when collection agencies cross the line into harassment, it becomes overwhelming. One company frequently reported for using aggressive collection tactics is Receivable Recovery Service. Many consumers have filed complaints about Receivable Recovery Service phone harassment, citing repeated calls, threats, and pressure tactics that violate consumer protection laws.
In this in-depth guide, we will explore what Receivable Recovery Service phone harassment looks like, your rights under federal law, and how to take legal action to stop the abuse. We’ll also introduce Consumer Rights Law Firm PLLC, a trusted ally for consumers seeking justice and relief from harassing debt collection practices.
Who Is Receivable Recovery Service?
Receivable Recovery Service is a third-party debt collection agency that attempts to recover unpaid debts on behalf of creditors. These debts may include unpaid utility bills, medical bills, credit cards, or other types of consumer loans.
As a collection agency, they are legally allowed to contact debtors in an attempt to collect, but they are not allowed to harass, threaten, or mislead. Unfortunately, many consumers report that Receivable Recovery Service phone harassment goes beyond simple collection efforts—and enters into illegal territory.
What Is Phone Harassment by Debt Collectors?
Phone harassment refers to repeated, unwanted, and aggressive phone communication from debt collectors. When it comes to Receivable Recovery Service phone harassment, consumers have described the following common issues:
Excessive Calls
You may receive multiple calls in one day, often at inconvenient times such as early mornings or late at night. This kind of relentless contact is a major red flag.
Calls to Friends, Family, or Employers
While collectors are allowed to call others to find your location, they are not permitted to discuss your debt or embarrass you.
Threatening Language
If a debt collector threatens to arrest you, take legal action they cannot pursue, or use abusive language, it becomes Receivable Recovery Service phone harassment.
Refusal to Stop Calling
If you’ve told them to stop contacting you and they keep calling, they’re breaking the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) is a federal law that prohibits abusive practices by third-party debt collectors. It protects you from behavior that can be considered harassing, misleading, or unfair.
Under the FDCPA, you have the following rights:
- The right to request verification of the debt
- The right to be contacted only at reasonable hours
- The right to stop collection calls by written request
- The right to sue for violations
If you’ve been a victim of Receivable Recovery Service phone harassment, you may be entitled to compensation, including:
- Up to $1,000 in statutory damages
- Attorney’s fees
- Actual damages for emotional stress and more
Signs You’re Experiencing Receivable Recovery Service Phone Harassment
Here are some specific indicators that what you’re experiencing is more than a collection effort—it’s harassment:
- Calls at odd hours (before 8 a.m. or after 9 p.m.)
- Robo-calls or voicemails left using automated systems
- Calls to your workplace, especially after being told not to
- Failure to provide debt validation, even after requesting it
- Refusal to stop calling even after you’ve submitted a cease and desist request
- Lying about legal action, such as lawsuits or arrest
- Attempting to collect a debt that isn’t yours
If any of these sound familiar, you are likely facing Receivable Recovery Service phone harassment, and it’s time to act.
What Should You Do If You’re Being Harassed?
Taking action is your right—and it can stop the calls permanently. Here’s how:
Step 1: Request a Debt Validation Letter
You have the legal right to ask Receivable Recovery Service for proof that you owe the debt. If they can’t validate it, they must stop collection efforts.
Step 2: Send a Cease and Desist Letter
You can request in writing that they stop contacting you entirely. Once received, they are only allowed to contact you one final time to confirm they will cease communication or to inform you of legal action.
Step 3: Document Everything
Keep a record of all calls, including date, time, and what was said. Save voicemails and copies of letters. These documents will support your legal case.
Step 4: Report Them
File complaints with:
- The Consumer Financial Protection Bureau (CFPB)
- The Federal Trade Commission (FTC)
- Your State Attorney General’s office
These agencies can penalize companies engaging in illegal collection practices.
Step 5: Get Legal Help
The best way to stop Receivable Recovery Service phone harassment is to consult an experienced consumer rights attorney.
How Consumer Rights Law Firm PLLC Can Help
Consumer Rights Law Firm PLLC is dedicated to protecting consumers from unlawful debt collection tactics. If you’re dealing with Receivable Recovery Service phone harassment, this firm can help in the following ways:
Evaluate Your Case for Free
They offer a no-obligation consultation to assess whether you’ve experienced harassment under the law.
File Complaints and Lawsuits
They’ll handle all the paperwork, formal complaints, and even lawsuits if necessary—so you don’t have to deal with the collection agency directly.
Get You Compensation
If your rights have been violated, they can pursue monetary damages on your behalf.
Stop the Calls
Their legal action will force Receivable Recovery Service to halt all contact and remove your number from their system.
You don’t have to suffer silently—Consumer Rights Law Firm PLLC will stand with you until the harassment stops.
Can I Still Be Sued by Receivable Recovery Service?
Yes, any creditor or debt collection agency can sue you for an unpaid debt—but it’s rare, especially for small balances. Even if you are sued, you still have rights.
What to do if RRS sues you:
- Do not ignore the summons.
- Consult a consumer attorney immediately.
- Request proper documentation.
- Fight back with evidence of harassment.
Often, when Receivable Recovery Service phone harassment occurs, they’ve violated the FDCPA—and your legal team can use that against them in court.
What If I Don’t Owe the Debt?
It’s very possible that the debt was paid, discharged, or assigned to someone else. Collectors often work from outdated records or target the wrong person.
If RRS is calling about a debt you don’t owe:
- Dispute the debt in writing within 30 days.
- Request written validation of the debt.
- Tell them to stop contacting you.
- Talk to an attorney.
You are not obligated to pay a debt you don’t legally owe. And if they persist, it becomes Receivable Recovery Service phone harassment—which is both unethical and illegal.
Real Consumer Complaints
Many complaints against Receivable Recovery Service have been filed with the CFPB and Better Business Bureau (BBB). Some examples:
- “They kept calling my job after I asked them not to.”
- “I told them this was not my debt, but they kept threatening me.”
- “They called 7 times in one day, and when I answered, they hung up.”
If you can relate to these stories, you are not alone—and legal help is available.
Final Thoughts: Don’t Let Phone Harassment Control Your Life
Living in fear of your phone ringing is no way to live. You have rights, and you deserve peace. If you’re a victim of Receivable Recovery Service phone harassment, take immediate action.
Whether it’s excessive calls, verbal threats, or contacting your workplace, none of it is acceptable. The law is on your side—and so is Consumer Rights Law Firm PLLC.
Take Action Today
Step 1: Stop answering calls from unknown or aggressive numbers.
Step 2: Send a cease and desist letter and keep documentation.
Step 3: Contact Consumer Rights Law Firm PLLC for a free case review.
Step 4: Get the protection, peace, and compensation you deserve.
You don’t need to suffer through Receivable Recovery Service phone harassment. With the right legal support, the calls can stop—and justice can begin.