Who is Rapid Recovery Agency?
Rapid Recovery Agency, Inc. (RRA) is a debt collection agency headquartered in Hollywood, Florida, with several branches across the state. As a debt collector, they are tasked with recovering payments on behalf of their clients for overdue bills.
If you find Rapid Recovery Agency listed on your credit report as a collections account, this typically means you have an outstanding debt they are trying to collect.
Who does Rapid Recovery Agency collect for?
Rapid Recovery Agency offers a diverse range of services including repossessions, skip tracing, storage, auto auctioning, transport, and locksmithing.
They primarily work with automotive lenders, businesses dealing with tangible assets, and other entities requiring asset recovery or repossession services. They help these clients recover their assets or outstanding debts from individuals who have defaulted on their obligations.
Is Rapid Recovery Agency legit or a scam?
Despite receiving numerous calls, texts, or emails from them, Rapid Recovery Agency is a legitimate company. They are legally permitted to contact you regarding outstanding debts.
How can I remove Rapid Recovery Agency from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
Rapid Recovery Agency Contact Information
Address:
Rapid Recovery Agency
2152 Johnson St.
Hollywood, FL 33020-3969
Phone number: (813) 932-1353 or (954) 597-1396
Should I contact or pay Rapid Recovery Agency?
It’s best to avoid speaking to a collection agency 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. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Rapid Recovery Agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rapid Recovery Agency on behalf of their clients.
Will Rapid Recovery Agency sue me or garnish my wages?
Rapid Recovery Agency, like many other debt collection agencies, is legally entitled to sue for an unpaid debt. If you have not paid a debt and they choose to file a lawsuit, and subsequently win the case, they may obtain a judgment that could potentially lead to wage garnishment, depending on the laws of your state.
However, it’s important to understand that suing is often a last resort for debt collectors. It’s more common for them to attempt to work out a payment plan or debt settlement with you.
Rapid Recovery Agency Complaints
Most collection agencies have numerous complaints filed against them 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 a debt collector 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Rapid Recovery Agency
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Rapid Recovery Agency 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Rapid Recovery Agency may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Rapid Recovery Agency must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Rapid Recovery Agency cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Rapid Recovery From Your Credit Report Today!
Lexington Law can assist you in disputing Rapid Recovery collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
