Who is Roquemore & Roquemore?
Roquemore & Roquemore, Inc. (RRI) is a company based in Garland, Texas that provides a variety of services to lender clients. These services include skip tracing, repossession management, and remarketing services.
The company does not act as a repossession agency or agent, instead, they utilize a national network of independent, certified, and licensed repossession agents to recover collateral. In addition, Roquemore & Roquemore also operates as a third-party debt collection agency that specializes in asset location and repossession.
Who does Roquemore & Roquemore collect for?
Roquemore & Roquemore primarily focuses on the automobile industry, providing services to repossess autos and collect outstanding auto loan debt. This means their clientele likely includes lenders, banks, credit unions, or other entities that provide auto loans.
Is Roquemore & Roquemore legit or a scam?
Roquemore & Roquemore, Inc. is a legitimate company. However, their efforts to recover debts might feel invasive as they may repeatedly reach out to you via calls, texts, or emails.
How can I remove Roquemore & Roquemore 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.)
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In addition to collections, they can help 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.
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Roquemore & Roquemore, Inc. Contact Information
Roquemore & Roquemore, Inc.
329 Oaks Trail Ste 212
Garland, TX 75043
Phone number: (800) 500-7855 or (972) 226-9266
Should I contact or pay Roquemore & Roquemore, Inc.?
Nothing good can come from speaking to a third-party 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 Roquemore & Roquemore is to work with a credit repair professional. They help remove millions of negative items every year from companies like Roquemore & Roquemore, Inc. on behalf of their clients.
Will Roquemore & Roquemore, Inc. sue me or garnish my wages?
Roquemore & Roquemore has the legal option to pursue legal action, including filing a lawsuit, if a debtor fails to repay a debt. Depending on the circumstances and applicable laws, they may also have the ability to seek wage garnishment as a means of recovering the outstanding debt.
However, it is important to note that the decision to sue or garnish wages ultimately depends on various factors, including the details of the debt, the jurisdiction, and applicable laws.
Roquemore & Roquemore, 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 they are repeatedly calling friends and family members and leaving voice messages or you are being harassed by a debt collector in any other way, you should also 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 Roquemore & Roquemore, Inc.
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 Roquemore & Roquemore 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.
- Roquemore & Roquemore may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Roquemore & Roquemore 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.
- Roquemore & Roquemore cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Roquemore Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Roquemore collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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