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Debt Defense Attorneys | The Debt Defense | United States
Is Riverwalk Holdings calling you?*
Here's what you need to know.
Due to the growing national debt crisis, it is very common for people to be sent to collections through no fault of their own. People lose their jobs, receive disability, forget to pay or experience an economic downturn. No matter the reason, debt collectors will call, text, and e-mail you in order to recover a debt, and they can be very threatening. If you are being harassed by a debt collector, read about your rights below.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to protect consumers from being intimidated and harassed by third-party debt collectors. It regulates what collection agents may or may not do during their communications with consumers and prohibits actions like the following:
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Using profane and obscene language
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Calling you at work when they know that your workplace won’t let you take such calls
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Discussing the debt with anyone except you, your spouse, or your attorney
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Trying to collect an amount not authorized by law or by the original creditor agreement
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Calling you at all hours of the day and night
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Keep calling you and sending letters after you dispute a debt
Company Profile: Riverwalk Holdings
Riverwalk Holdings is a debt collection agency in Colleyville, Texas. It opened in 2008, has over 20 employees, and is managed by Mike Shelton. The company acquires and sells consumer debt. Litigation files indexed at the PACER website suggests that consumers who believed that they were being harassed by Riverwalk Holdings Ltd. went to court to seek damages for violating their rights.
Hire an Attorney
The phone numbers for Riverwalk Holdings are:
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1-888-205-1831
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1-817-251-7000
If you see either of these numbers on your caller ID when the phone rings, be warned that a debt collector looking for you. If they are vague regarding your rights and threaten legal action that never transpires, hire a consumer attorney. If you sue for these infringements on your rights as an indebted consumer, you could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. The fact that you owe money does not give a debt collector license to intimidate you, a fact they ignore at their own professional risk.
Feeling harassed by Riverwalk Holdings Ltd., the consumer hired legal counsel and sued the company for allegedly violating her rights by:
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Contacting her directly after knowing that she had retained an attorney
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Using false, deceptive and misleading means to collect a debt
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Using unfair and unconscionable means to collect a debt
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Using oppressive and harassing means to collect a debt
The matter was later resolved.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Riverwalk Holdings Ltd. or any other third-party collection agency, you may not be entitled to any compensation.