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?
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.
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.?
It’s best to avoid speaking to a debt collector 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 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
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 Rickart Collection Systems
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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Rickart Collection Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Rickart Collection Systems 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.
- Rickart Collection Systems cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Rickart Collection Systems From Your Credit Report Today!
Lexington Law can assist you in disputing Rickart Collection Systems 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.
