Risk Management smells fishy Stupid tools harrassed me Ripoff company Nationwide

All my contact info is fake but here is real "non 800" contact info for RMA dirtectly into RMA

Registrant: Make this info private
Risk Management Alternatives Inc (20436792O)
9990 Richmond Ave. Suite 250
Houston, TX 77042
US
Phone: 713-918-5501
Fax: 123 123 1234

Administrative Contact :
Wischmeier, Greg
(38445549P)
greg.wischmeier@rmainc.net
2675 Breckenridge Blvd
Duluth, GA 30096
US
Phone: 770-925-5502
Fax: 770-925-5595

I called and got someone who was very nice. I think her name was Karen. I suspected that they were trying to get someone who used to have our number because we get calls from shady people all of the time asking for her. The person that I spoke with asked for my number. She then pulled up the name which was no surprise when I heard it. I informed her that she no longer had that number and the woman thanked me. That was it. We'll see how long it take for them to stop calling. Just my experience....

I had those people callimg my house every three minutes. I talked to one of them asking for my boyfriend, I asked who was calling and she said Regina, I said ok what do you want, she said, is he there or not, I asked what she was calling for then she hung up. Another time a man called me I told him that my BOYFRIEND was at work, he's a over the road truck driver, he said well where is he, I said I didn't know, so this idiot says, WHAT! YOU DON'T KNOW WHERE YOUR BOYFRIEND IS!and he hung up.

I called back, to complain to a supervisor and was told that they were all busy. The next day a woman called and said that my boyfriend better get in touch with them OR ELSE, I said or else what? She said or we a going to put this on his credit report Monday! I said I DON'T CARE! At this point I was very upset. So she hung up on me, I called the Illinois State Attorney General and filed a complaint.

Those Gangbangers lied and told the attonery general's office that we (RMA and I) had resolved this matter, they lied! I'm sick of them, they were harrassing me like I owed them! I guess they must of stopped calling after they were contacted by the attoney general's office. I bet their employee application reads : If you are an ignorant pain in the butt, you got the job!

I have been getting the same message for months about an "important business matter, Mr Leonard, Ms Carter, etc etc." I have tried to call sooooo many times and not a single time yet have I spoken to a real person. My husband has left numerous messages (oops, I guess they have our phne # now) and no one returns them. I cannot for the life of me figure out what these people want, as we don't have any collections on our credit report.

There are times when the message calls nearly every day, a few times where it called more than once a day... it is making me insane! How do I stop these people???

This a link to their website (specifically their list of varoius locations through out the US including their Headquarters Office):

http://www.rmainc.net/about/locations.asp.

Also there is a forum board titled "Fair Debt Board," and their link is:

[DELETED]
[Place your comments below and be sure to include your FULL contact information so Rip-off Report can contact you.]

It is "FREE" for all users and has alot of interesting information (especially good credit advice-"like how to deal with nasty creditors like RMA") on there!

I hope these are helpful !

I have also been contacted SEVERAL times about this "Important personal business matter". I have gotten them from the same number by two different people. ONe Ms. Carter, and a Mr. Leanord. I have both of them recorded as my voicemail system captured them several times.

Upon returning my call to Mr. Leanord I received a message from their voicemail system that told me the voicemail box was full. Go figure. Between the hours of 8a and 5p Central time I get an automated answering system that informs me all the represenatives are busy and I should stay on the line. I have not been able to talk to a real person as of yet.

I forgot to mention my brother contacted the FCC and filed a complaint for fraud and telephone abuse.

I wonder if we can also file under that new law for "identity theft" since they are saying they are someone else. It seems to me that fits under trying to use someone else' identity.

This is a letter I sent to the FCC:

I am taking care of my brother's house while they're gone. My brother is dying and his wife is gone talking to her sister about filing for bankrupcy because she's had to do it before. So I'm having to deal with all the phone calls from collection agencies and even though I tell them what's going on they still keep calling.

One company in particular called "Risk Management" out of Las Vegas, NV called awhile back and I'm in pretty bad shape too, Hep C, so I let the machine pick up. They said they were calling for a company called Sun Valley Builders, a company my sister-in-law worked for around 1996-1997. I went to check the message but since I don't know how any of this stuff works I accidently deleted the message but I had the caller ID #702-260-5001(5000)so I called
them and explained and they asked someone else and I heard them say "we don't deal with Sun Valley Builders" and she told me she didn't know
what I was talking about. This was around a month or less ago. I said well do you have a message for Valerie and they said no. I asked them what kind of company they were and they said they were a collection agency.

Today while I was on the computer I get another message from them that it was very important Valerie contact them about "Sun Valley Builders".
Isn't it fraud to mis-represent yourself on the phone? They gave me a number to call, 888-817-5814 x-5020 but noone answered so I called the
702 number and they said the extention belonged to a Ms. Rameriz or something like that and were very rude to me.

I believe they committed fraud by misrepresenting who they were on the telephone. Here's their address:
RMA Las Vegas
880 Grier Drive
Las Vegas, NV 89119
Telephone: (702) 260-5000

This is the FCC response: 'Thank you for contacting the FCC, this is an automated response to
acknowledge receipt of your e-mail. We will try to respond to your
general inquiry within 2 business days of this automated reply. Due to
the complexity of certain issues the response time may go beyond 2
business days, but will never exceed 20 business days.'

This is a letter I sent to the FCC:

I am taking care of my brother's house while they're gone. My brother is dying and his wife is gone talking to her sister about filing for bankrupcy because she's had to do it before. So I'm having to deal with all the phone calls from collection agencies and even though I tell them what's going on they still keep calling.

One company in particular called "Risk Management" out of Las Vegas, NV called awhile back and I'm in pretty bad shape too, Hep C, so I let the machine pick up. They said they were calling for a company called Sun Valley Builders, a company my sister-in-law worked for around 1996-1997. I went to check the message but since I don't know how any of this stuff works I accidently deleted the message but I had the caller ID #702-260-5001(5000)so I called
them and explained and they asked someone else and I heard them say "we don't deal with Sun Valley Builders" and she told me she didn't know
what I was talking about. This was around a month or less ago. I said well do you have a message for Valerie and they said no. I asked them what kind of company they were and they said they were a collection agency.

Today while I was on the computer I get another message from them that it was very important Valerie contact them about "Sun Valley Builders".
Isn't it fraud to mis-represent yourself on the phone? They gave me a number to call, 888-817-5814 x-5020 but noone answered so I called the
702 number and they said the extention belonged to a Ms. Rameriz or something like that and were very rude to me.

I believe they committed fraud by misrepresenting who they were on the telephone. Here's their address:
RMA Las Vegas
880 Grier Drive
Las Vegas, NV 89119
Telephone: (702) 260-5000

This is the FCC response: 'Thank you for contacting the FCC, this is an automated response to
acknowledge receipt of your e-mail. We will try to respond to your
general inquiry within 2 business days of this automated reply. Due to
the complexity of certain issues the response time may go beyond 2
business days, but will never exceed 20 business days.'

This is a letter I sent to the FCC:

I am taking care of my brother's house while they're gone. My brother is dying and his wife is gone talking to her sister about filing for bankrupcy because she's had to do it before. So I'm having to deal with all the phone calls from collection agencies and even though I tell them what's going on they still keep calling.

One company in particular called "Risk Management" out of Las Vegas, NV called awhile back and I'm in pretty bad shape too, Hep C, so I let the machine pick up. They said they were calling for a company called Sun Valley Builders, a company my sister-in-law worked for around 1996-1997. I went to check the message but since I don't know how any of this stuff works I accidently deleted the message but I had the caller ID #702-260-5001(5000)so I called
them and explained and they asked someone else and I heard them say "we don't deal with Sun Valley Builders" and she told me she didn't know
what I was talking about. This was around a month or less ago. I said well do you have a message for Valerie and they said no. I asked them what kind of company they were and they said they were a collection agency.

Today while I was on the computer I get another message from them that it was very important Valerie contact them about "Sun Valley Builders".
Isn't it fraud to mis-represent yourself on the phone? They gave me a number to call, 888-817-5814 x-5020 but noone answered so I called the
702 number and they said the extention belonged to a Ms. Rameriz or something like that and were very rude to me.

I believe they committed fraud by misrepresenting who they were on the telephone. Here's their address:
RMA Las Vegas
880 Grier Drive
Las Vegas, NV 89119
Telephone: (702) 260-5000

This is the FCC response: 'Thank you for contacting the FCC, this is an automated response to
acknowledge receipt of your e-mail. We will try to respond to your
general inquiry within 2 business days of this automated reply. Due to
the complexity of certain issues the response time may go beyond 2
business days, but will never exceed 20 business days.'

I found RMA web site by doing simple google search. They have 29 offices around the country and Canada listed. Too many to list here. Just passing on the info. Me and them's fixin' to go to court real soon now!!! Best wishes to all

Sara,

As much as I appreciate your point of view, I must clarify that they CAN post a judgement without personally serving you via a process server. A lawyer draws up the summons request, and you must get summoned LOCALLY to appear to answer the judgement in court. ALL STATES ARE DIFFERENT. Some will allow a judgement simply after the lawyer send a registered mail and the person doesn't show up or respond at all. Either way, it takes a LONG TIME. Someone in New York tried posting a judgement for me even though I never received any registered mail because it went to the wrong address. The sneaky thing is, a lot of creditors will send out mailings and SAY they have or will post a judgement but they cannot and it is too costly so they simply put it on your credit report where it gets discharged like everything else.

But watch out! Just because its discharged doesn't mean its gone and people can't try to collect on it! Most states allow companies to try to collect a debt for as long as they want even though there is a statute of limitations! What they won't tell you is that they cannot post a judgement or put it on your redit report after the SOL is over! They will tell you that they can though. So if you paid 30% of a debt 20 years ago, a debtor can sell the remainder to another debt collector YEARS LATER and they can try to collect the remainer. Your SOL starts ALL OVER AGAIN the minute you pay anything! What the collector is guessing is that you don't know the law in your state, so you may think that this DEAL they are offering you is great, but it can bite you later.

This is what is happening with CAMCO as well as RMA. They have a right to call you using STRICT GUIDLINES to request payment. They also must prove the debt. They own the debt now even though you had th e loan with someone else. THEY DON'T HAVE A RIGHT TO HARRASS YOU. If you write a cease and disist letter, you MUST BE SPECIFIC. And years later, you may have to do it again to another collector. It is a vicious cycle that IS LEGAL.

Also, those of you with common names and common cities WATCH OUT. Debt agencies will do searches on the internet to find John Smith in Bakersmith, Ohio. But what if your name is John Smith and you live in Bakersmith, Nebraska? Do you know the odds of you in Nebraska being called for the one in Ohio? VERY GOOD. They expect YOU to prove that it is not you, and will expect you to furnish them personal info. They will in turn put it on the acct anyway and do another search for YOU.

I hated this job and quit very quickly. I don't like harrassing people. I AM HERE TO SPREAD THE TRUTH

Those were some great tips glen.However there is no such thing as an agency posting a judgment aginst you.The agency as you said must get a lawyer or hire a process server to serve you. If they can not serve you, then they can not sue you.So they can not just post a judgment aginst you.

I used to work for a debt collection agency for a short time before I got sick of their shady work ethic. I will gladly let you in on some of their secrets.

Number one, mangers tell their employees not to take a number off an account until they have been contacted at least three times and have assured them that it is a wrong number. Also, if someone has an old phone number that has multiple accts from multiple debts, the collector is told do not merge the accts under one name unless the person has made an agreement to pay. Therefore, if Jane Doe's phone number is under 7 different accts, they may get called 7 times a day from 7 different people.

Number two, collectors are told to take down any phone number that a caller may call in on and put it on the acct called in about. The computer captures that number automatically when you call in. So when you call in from your mom's house because you are trying to find out why this company is calling, your Mom is at serious risk of being harrassed whether it is a legitimate debt or phone number.

Number three, it can take up to 10 years depending on the state to have things reported to your credit report. Most collectors will tell you this happens immediately. The collection agency I worked for reported them on the first of the month every 4 months!

Number four, they can post a judgement against you without your being there, however, they need an attorney! RMA cannot do it alone. They need an outside lawyer, usually local to your residence again depending on state you live in, to prosecute and you would receive numerous requests in the mail for your presence. they cannot just randomly attach a judgement and that can take years to be seen by a judge.

Number four, if you send in a written request to stop calling, you must be very specific! The laws in most states are lenient toward the debt collector, however, if you specify DO NOT CALL 1-555-555-5555 my place of residence or 1-555-555-5555 my work number they aren't supposed to call those numbers! But if you leave out your cousins number that you called from two weeks ago, they will call it! These letters constantly get stuck at corrporate level and do not filter down in a timely matter. Yes, this is on purpose.

Number five, Most collection agencies are subsideraries of larger ones. NCO is the biggest in the world. So RMA may only exist on a small level. Many have call centers where someone will call you from one center and put you on hold while you are re-routed to the appropriate time zone. So you may find a phone number on your caller ID and when you call it it says "cannot be called from this location." It is because it is not a customer service number that is calling you originally.

Number six, RMA also sells its services to companies such as NCO, to collect on their behalf. Some buy a debt from other, smaller debt collectors and then assume the debt. So while you may have a cc debt with Capitol One, you may receive calls from Capitol One and other debt collectors, finding it frustrating to know who to send payment to. One company will say to send it to them, and another will say send it to them instead. So when you send it to one, you will receive phone calls and mail from the others for up to two months while the paperwork catches up.

I know this is long but I hope it helps!

False information

Hello,

I am a victim of this company also. I recently had to file a written compliant with the FTC about this agency in regards to the non stop calls to my work place. They violated three sections of the fair debt collection practices act.One collector told me he was calling from the law offices of RMA(Risk management Alternatives) I looked into such a firm after a man by the name of Eric Jacobs told me that If I did not post date him a check over the phone for the debt I owe that his law firm RMA was going to file a non-judicial judgment on me and attach the debt to my social security number and garnish my wages without taking me to court!!!

Have you ever heard of such nonsense in all of your life!!My debt is an unsecured debt to a credit card company.There is no such existing legal practice as a non-judicial judgment.There is a procedure called a non judicial forclosure but that is if your home is being forclosed!!

Then Mr. Jacobs put me on the phone with his supervisor and she told me they were going to file fraud charges againsy me If I did not submit them a check over the phone for my debt.

These people have no ideas of the laws or the fair debt collection practices act.There is no such law firm called RMA.Anyone that is in my shoes should do anything possible to stop the their harrasment, as I am trying to. If you have any advice for me respond in the rebuttle box.

These people won't stop calling me either. Everytime they call they ask for someone I don't even know.

I called them back and was reassured that the number would be removed, 2 months later and they are still calling.

This is the info I have on them:

Risk Management Alternatives, Inc.
880 Grier Drive Suite 223
Las Vegas, Nevada 89119

Hope that might help you as well.
Try contacting the consumer affairs dept of the Nevada state attorney generals office, as well as your own. You will be directed to a web site where you can make a complaint.

Here's another address for

Risk Management Alternatives, INC.-RMA...
P.O. Box 105044
Atlanta, GA 30348
877-712-1214

802 E Martintown Rd/Suite 201
North Augusta, SC 29841
mail is being sent from Las Angeles, CA with these two other addresses that is located back East.

It makes you wonder just how many different offices and different addresses and ph numbers they all really have....

The address we were given was:



2200 S. Bursee Drive

Mount Prospect Illinois 60056

U.S.A.

877-349-5969



Seems these people have quite a few offices!!!



If you'd like to see our experience with them, for Risk Management. http://www.badbusinessbureau.com/report67519.htm

Risk Management Alternatives

2675 Breckinridge Boulevard

Duluth, GA 30096



Risk Management Alternatives

PO Box 105038

Atlanta, GA 30348



You might also try searching some of the consumer boards such as creditnet or creditboards. Seems your not the only one who has had a run in with these people.



Good luck and good hunting.