It is against the law to threaten court if they don't intend or don't have the ability to take you to court. 2009, that loan might be out of the Statute of limitations depending on which state you are in: http://www.nolo.com/legal-encyclopedia/statut ... hart-29941.html
RG FINANCIAL AKA THE RELIANT GROUP
Posted in: http://800notes.com/Phone.aspx/1-888-704-3493
http://800notes.com/Phone.aspx/1-888-679-4309/4
http://800notes.com/Phone.aspx/1-330-390-4830
http://800notes.com/Phone.aspx/1-973-679-6957#p894075028078197174
http://800notes.com/Phone.aspx/1-412-346-9730
Website with alleged contact info: http://rgfinancialus.com/#contact
BBB page gives them a D+ with 1 complaint: http://www.bbb.org/atlanta/business-reviews/p ... oss-ga-27586766
Georgia Dept. of State info:
Entity Id 4793447
Key Indicators
Model Type Limited Liability Company Locale Domestic Qualifier None
Business Name RG Financial Services, LLC Registration Date9/23/2013 Entity Status Active/Compliance Entity Status Date3/24/2015
Foreign Name Date of Organization State Country
________________________________________
Principal Office Address
PRINCIPAL Line1 5373 Riverdale Road Line2
City College Park State Georgia Zip 30349
________________________________________
Agent
Is non-commercial Registered Agent? Yes Name Richard Gordon
Address
Line1 5373 Riverdale Road Line2
City College Park State Georgia Zip 30349
[email protected]
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
Georgia AG: http://law.ga.gov/