The Law Office of Paul Mankin

Is Superlative RM Harassing You?

Superlative RM

Superlative RM is a third-party debt collection agency and is located in Elk Grove, California. FCS is not accredited by the Better Business Bureau. To be accredited by the Better Business Bureau a company must demonstrate trust, honesty, transparency, responsiveness, and integrity. The Better Business Bureau has received consumer complaints alleging that Superlative RM has engaged in unsavory debt collection practices, including:

  • Improperly discussing the consumer’s debt with a third party; and
  • Harassing consumers by repeatedly and frequently calling.

One consumer reported receiving a phone call from Superlative RM. The representative was looking for the consumer’s brother. The consumer advised the representative that the consumer did not keep in touch with their brother and did not have any contact information for him. After this conversation, Superlative RM began calling the consumer four (4) times a day. Superlative RM responded to the consumer’s complaint with the Better Business Bureau and agreed to cease further communication with the consumer.

The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) regulate debt collectors and creditors’ communication with third-parties. A debt collector is only permitted to contact a third party when the debt collector reasonably believes that person would have information regarding the consumer’s location or telephone number. More importantly, debt collectors are only permitted to contact a third party once. Repeated phone calls to the third party is a form of harassment and that third party is protected by the FDCPA and RDCPA.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Superlative RM accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.