If Rubin & Rothman, LLC is showing up on your credit report, it likely means you have an unpaid debt that has been turned over to collections. Here’s what that means for your credit—and how to work toward getting it removed.
Who Is Rubin & Rothman, LLC?
Rubin & Rothman is a debt collection law firm based in Islandia, New York. They help creditors and debt buyers recover unpaid debts through collection efforts and legal action when necessary.
If your account has been assigned to Rubin & Rothman, their name may appear on your credit report as a collection account, which can lower your credit score.
Who Does Rubin & Rothman Collect For?
Rubin & Rothman collects debts for well-known financial institutions and debt buyers, including:
- Bank of America
- Capital One Bank
- Citibank
- JPMorgan Chase Bank
- GE Money Bank
- Sears Credit Card accounts
They represent these companies in collecting overdue credit card balances and other unpaid debts.
Is Rubin & Rothman a Scam?
Rubin & Rothman, LLC is a legitimate debt collection law firm. They are authorized to collect debts for their clients. That said, always verify the details before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Rubin & Rothman From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask Rubin & Rothman to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collection agencies and law firms may agree to remove the account if you settle the debt. Always get written confirmation.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Rubin & Rothman?
Before contacting them, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.
Many people choose to work with credit repair professionals to avoid mistakes when dealing with collection agencies and law firms.
Can Rubin & Rothman Sue or Garnish Wages?
Debt collection law firms like Rubin & Rothman have the legal authority to sue for unpaid debts. If they file a lawsuit and win a court judgment, they may be allowed to garnish wages or levy bank accounts, depending on your state’s laws.
That said, lawsuits are typically a last resort. Most firms prefer to resolve debts through settlements or payment plans before pursuing legal action.
Rubin & Rothman Contact Information
Address:
Rubin & Rothman, LLC
1787 Veterans Memorial Highway
Islandia, NY 11749
Phone: (800) 298-6058
Complaints About Rubin & Rothman
Many debt collection agencies and law firms have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Rubin & Rothman Collections
Dealing with collection accounts can feel overwhelming, but you don’t have to manage it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
