Rent a Center RAC Fair Debt Collection Practices Act Violations Pawtucket , Rhode Island

Here's the LAW of which the regulations are based.

Debt collection in an unfair, deceptive or unreasonable manner:

http://www.malegislature.gov/Laws/GeneralLaws/PartI/TitleXV/Chapter93/Section49

Massachusetts Fair Debt Collection Practices Act:

http://www.fairdebtforconsumers.com/Massachusetts-Fair-Debt-Collection-Practices-Act.html

I suggest you read the definitions-I did.

Don't be so fast to tell folks they don't know what they write about.

You are so full of BS.  It is clearly a pattrern of behavior to harrass customers.  I have a new recording and I played it for your Customer Support Center and his response was oh we will contact the local manager.  Nice try the jerk who called from the store claimed to be with the Legal Department and I have it on my VM still.  Now that is some funny stuff right there.  Combine that with the recording of your store manager saying he gave my wife the information regarding my account and I am thinking some new unemployment claims should be getting filed by these guys real soon.  No worry I also spoke to my attorney today and the good news is pain and suffering even emotional is considered actually damages in MA where the crimes took place. 

The Massachusetts Attorney Generals Debt Collection Regulations, 940 C.M.R. 7.00, prohibit many unfair debt collection practices by creditors, and regulations of the Massachusetts Division of Banks, 209 CMR 18.00, prohibit unfair debt collection practices by debt collection agencies.

Bobby buddy here you go now if you can read with your limited education you will see that 940 C.M.R. 7.00 clearly covers CREDITORS and 209 CMR 18.00 covers COLLECTORS.  You are wrong, you are not too bright and you are a fool.  Yes I did have them pick up the washer and yes I did call my attorney today and we had a good laugh about how dumb these idiots act and about losers who troll message boards to impart wisdom on others.  I will post the recording and a new one I obtained when I get around to it.  I unlike you have a life and a job. 

Well you seem to have all the answers.  So which court are you going to file your suit in..you are going to sue them right?  Will it be Federal since you mentioned it was an "Interstate call" , Rhode Island since you were at work when you called, or Massachusetts since that is where you live?

Can you provide us with the exact section in the MA laws that cover Original Creditors?  Posting that can only help others who may not be as smart as you.  

By the way in all of this time you have obviously had to do your research, have you actually returned the Washer yet?

Oh and where is the recording you said you were going to post.  After all if you are totally correct there is nothing to worry about right?

I read the MA law and it has the same exception as the Federal FDCPA.  The restrictions apply to third party debt collectors.

I suggest you read the definition of "debt collector" in the MA law.

First I was in RI at work when I called.  Not that it would have mattered as on an interstate call the Fed Regulation supersedes the state law.  Second my wife was in MA when they harrassed her and yes the law is broader in that it includes all creditors.  Both names are correct but I use my middle name on all web postings unless I say something specific about a company and then I use my real name so as not to tempt someone to claim harrassment. 

 Not a customer nor an employee?  So you are trolling a site with intent to show off how superior you are?  Just here imparting wisdom on all us lucky enough to read your commentary.  In that case good God son don't get an education get a life.

Your first post shows you in RI and talks about a Rent-A-Center in RI, which does not have it's own FDCPA.  But your update shows Boston(and a different name).  In MA there are other laws that would be stricter(not broader) than the Federal FDCPA.  So can we chalk that up to you made a mistake in your original posting and you are actually in MA and not RI?

Although without going through every regulation I did not verify or really notice any $1000 PER Violation or where they could not talk to a spouse.  So if they did violate it as you said, why are you writing reports here..go to your court and sue them.  When you do I hope you post the results(even if you loose).

However if you are really in MA and not RI, then that can really screw you on the recording you made.  Because MA IS a Two-Party Consent state.  So if you did record conversations without getting their consent they may be able to come after you legally for that.

So you really have me confused.  Exactly what State are you located so people may actually be able to give you other suggestions.  Or is this a case of you going from State to State to use each states law as you want.  If so you better be consulting a lawyer because going to each state to "pick and choose" the laws you want to be bound by is probably not a sound legal strategy.

Oh and no I am not nor have I ever been an employee(or even a customer) of Rent-A-Center.   Now even though I don't know your story I can take a guess.  Your situation is "special" and unlike everyone else who has troubles you had no control over it.  Because you are "special" you should be treated as such and not as everyone else who has problems.

First in my state the FDCPA is broader than the Federal Law genius.  Second it is actually more expensive to use a laundromat than to rent a washer.  I would therefore have less money not more moron. 

You seem hell bent on attacking me and you don't know me or the situation.  I wonder why, Rent A Center employee maybe?  Son seriously get a college education and leave that place as soon as possible.   You are not doomed to minimum wage your whole life so keep the faith, study hard and get a job worth having.  Did you aspire to this job or are you just desperate? 

Thanks for the laugh!

It is just amazing how some people think.  You do all of this research(yea right) on the FDCPA, and recording rights in your state.  Yet you can't come up with another option to avoid having to use a company that you think is overpriced.  Well here is one.  Take your clothes to a laundromat.  Then that money you would use in the payments and buy a washer with CASH in a few months.  Is that easy..no of course not.  But hundreds if not thousands of people use landromats every day.

Now, there is NO violation of the Fair Debt Collection Practices Act. Why you ask?  Well if you actually read it, you would realize that the FDCPA only applies to Third Party Collection Agencies, which Rent-A-Center is not one.  So they could talk to not only your wife, but your entire neighborhood if they wanted to and would not be in violation of the FDCPA.

Oh and as for them "forcing" her to do anything.  They can't "force" her to do anything.  She didn't have to answer the door.  But if she did as soon as she said you were not home she could have shut the door.  If they attempt to enter the house she should be on the phone to 9-1-1.  If they touch her in any way she should be on the phone to 9-1-1.  If she felt threatned in any way she should have been on the phone to 9-1-1.  Do you see a trend here?  

Did your wife give them the washer?  I would think that you would have been happy with yoru wife if she said to just take it.  Because she is your wife I am sure that you have total open communication with things that affect both of you so she knew you didn't make the last payment and wanted to cancel the account.  So having them come to the house is really optimum for them to just picking up the washer,  you would trust her right?