How to Keep the Upper Hand – And Your Cool – When Negotiating with Rapid Recovery Solutions.
Rapid Recovery Solutions is an attorney-based debt collection company in New York whose name describes its specialty – rapid recovery.
Rapid Recovery Solutions Mailing Address and Phone Number
Company: Rapid Recovery Solutions, Inc. |
PO Box 151 |
Phone Number
(866) 944-8610
Fax: (631) 963-3928
http://www.rapidrecoverysolution.com/
email: info@rapidrecoverysolution.com
All About Rapid Recovery Solutions
It uses high pressure collection techniques to collect debt as quickly as possible. They even promise to contact a debtor within 30 minutes of receiving the account! This is followed by reporting delinquent accounts to credit bureaus after only 45 days, and if debts are not collected after 90 days, they hand the accounts directly to debt collection attorneys! With their intimidating slogan, “We don’t give up until you get paid!” – this meant for prospective creditor clients, not you – you can be fairly sure that your experience with a collection agency like Rapid Recovery Solutions is not going to be a pleasant one.
You should know the basics when it comes to communicating with a debt collector who’s determined to collect a debt and earn commission. When you’re dealing with a debt collector, first keep in mind that while you’re most likely NOT a professional negotiator, you’re talking to someone who does this for a living. The first step towards preventing the debt collector from gaining an upper had is to know your rights.
Debt collectors are required by law to “play fair” under the 1977 Fair Debt Collection Practices Act (FDCPA), and chances are they’ll be more likely to do this if they know that you’re aware of your rights. Keep a record of all your conversations (date, time, person you spoke with, subject of conversation), and keep all your written correspondence in a file for quick reference. In 35 states it’s even legal to secretly tape phone conversations. In the other 15, you can tape with the other party’s permission, and this permission is implied if they continue to talk after you’ve informed them that they are being recorded. If you need to prove a violation of the FDCPA, this will be invaluable documentation.
Don’t let a debt collector from Rapid Recovery Solutions convince you to pay off bills like credit cards before you have your other monthly necessities covered, and never provide more information than the collector needs to know. No matter how persuasive they may be or how much pressure they exert, don’t give extra personal information, such as your bank account information. Any information obtained by a debt collector may be used to collect the debt, and even re-start the statute of limitations on an old debt and bad credit.
Get everything you can in writing, especially if you’ve made arrangements on a settlement or have negotiated a payment agreement. Outline this in a letter, sent certified mail, return receipt requested, and keep a copy for your own record. If you pay by check, add this note to the memo line: “Cashing this check constitutes payment in full.”
Take your time so you can think things through and make rational decisions rather than succumbing to pressure. This means doing most of the negotiations in writing and waiting until you have a payment agreement, also in writing. Perhaps the best tip is to keep your cool. The more you sound like you’re in control, the more likely you are to turn the negotiation with Rapid Recovery Solutions in your favor.
You can take action to remove Rapid Recovery Solutions from your credit report and obtain a clear credit history. We encourage you to consider a professional credit repair service with expert credit lawyers on staff to help you fight back. You can get a free credit consultation by calling 1-888-615-9484.
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