Who is Rubin & Rothman, LLC?
Rubin & Rothman, LLC is a debt collection agency and creditor’s rights law firm based in Islandia, New York.
If you have unpaid debts, these might be transferred to Rubin & Rothman, LLC for collection, and hence, they may appear on your credit report as a collections account.
Who does Rubin & Rothman collect for?
Rubin & Rothman, LLC represents an array of debt buyers and notable financial institutions. They collect on behalf of major banks like Bank of America, Capital One Bank, Citibank, GE Money Bank, and JPMorgan Chase Bank. They also represent Sears Credit Cards in their debt collection efforts.
Is Rubin & Rothman legit or a scam?
Rubin & Rothman is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Rubin & Rothman 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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Rubin & Rothman, LLC Contact Information
Rubin & Rothman, LLC
1787 Veterans Memorial Highway
Islandia, NY 11749
Phone number: (800) 298-6058
Should I contact or pay Rubin & Rothman?
It’s best to avoid speaking to a debt collection law firm 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 Rubin & Rothman is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rubin and Rothman on behalf of their clients.
Will Rubin & Rothman sue me or garnish my wages?
Rubin & Rothman, LLC has the legal authority to sue you for unpaid debts. If the lawsuit results in a judgment against you, they could potentially garnish your wages or bank accounts, subject to the laws in your state.
However, lawsuits are typically a last resort for collection agencies and law firms. Most prefer to work out a payment plan with you, as court proceedings can be costly and time-consuming.
Rubin & Rothman, LLC 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 Rubin & Rothman 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 Rubin & Rothman, LLC
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 debt collection companies don’t take advantage of you. In particular:
- It is a violation of federal law for Rubin & Rothman 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.
- Rubin & Rothman may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Rubin & Rothman 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.
- Rubin & Rothman cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Rubin & Rothman From Your Credit Report Today!
Credit Saint can assist you in disputing Rubin & Rothman 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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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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