Is 704-553-7146 Calling You? Know Your Rights
The phone number 704-553-7146 is associated with Receivables Management Partners (RMP, formerly known as PMB), a debt collection agency. Debt collectors must follow strict federal rules under the Fair Debt Collection Practices Act (FDCPA) — including limits on how often they can call, when they can call, and what they’re allowed to say.
If you’ve been getting repeated or harassing calls from 704-553-7146, it’s important to understand your rights. By enforcing the FDCPA, you may not only stop the calls but also recover monetary damages if the collector went too far. In this article, I’ll walk through the most common violations to watch out for and what steps to take if you think your rights are being ignored.
Common FDCPA Violations by Debt Collectors
Here are some of the most frequent ways debt collectors cross the line:
Too many calls – The “7x7 rule” rule generally prohibits more than seven calls in seven days about a specific debt.
Inconvenient times - Collectors generally cannot call before 8 a.m. or after 9 p.m. in your local time zone.
Harassing or abusive language – Yelling, insults, or threats of arrest are not allowed.
Improper legal threats - Collectors cannot threaten lawsuits, wage garnishments, or bank levies unless those actions are truly imminent and legally permitted.
False or misleading statements – Collectors cannot misrepresent the amount you owe or who they are.
Improper voicemails – Collectors must identify themselves and include the required “Mini-Miranda” disclosure.
Third-party contact – Collectors cannot disclose your debt to family, friends, or employers. They may only contact others once to locate your contact information.
What you can do if you’re Getting Calls from 704-553-7146
Document everything – Save voicemails, screenshots of call logs, and any letters.
Don’t assume the debt is valid – Mistakes and identity mix-ups are common. You have the right to request written validation of the debt.
Know your leverage – If the calls are harassing or unlawful, you may be entitled to damages of up to $1,000 under the FDCPA, plus coverage of your attorney’s fees.
Take action – A consumer protection attorney can review your situation and help you decide whether to dispute the debt, send a cease-communication request, or file a lawsuit.
Talk to a Consumer Protection Attorney
Even if you owe a debt, collectors must treat you with respect and follow the law when contacting you. Falling behind on a bill does not give them the right to harass you.
At Reznik Consumer Law, our mission is to educate and protect consumers under the FDCPA. If you believe your rights have been violated, contact us today for a free consultation. We’ll explain your options and help you take the next step toward stopping unlawful collection activity.