Radius Global Solutions Contacting You? Know Your Rights
If Radius Global Solutions is contacting you, it’s usually because they’re attempting to collect on a debt they claim you owe. That contact may come through repeated phone calls, letters, or other collection activity, and in many cases, it can feel overwhelming.
In this article, I’ll explain what Radius Global Solutions is allowed to do when collecting on debts. I’ll also cover what options may be available if something about the situation doesn’t seem right.
Who Is Radius Global Solutions?
Radius Global Solutions is a debt collection company that contacts consumers about accounts it claims are owed. If you’re hearing from them, it usually means your account has been placed into collections at some point after falling behind.
In many situations, companies like Radius Global Solutions are brought in after an account has already gone delinquent. That can create confusion, especially if you’ve never heard of them before or if the account has changed hands over time.
Because of that, it’s not uncommon for issues to come up, such as being contacted about a debt you don’t recognize, being given incomplete information, or being unsure who is actually associated with the account.
Why Does Radius Global Solutions Keep Calling You?
If Radius Global Solutions keeps calling you, it usually means your account has reached a stage where a collection agency is actively trying to make contact. The phone number 877-321-4053 has been associated with Radius, so if you’ve received calls from this number, it may be from them.
Debt collectors are not allowed to call you repeatedly without limits. There are federal rules that govern how often they can contact you, primarily under the Fair Debt Collection Practices Act (“FDCPA”).
While the FDCPA itself does not set a specific number of calls that are automatically illegal, the Consumer Financial Protection Bureau (“CFPB”) issued a rule often referred to as the “7-in-7” rule.
Under this rule, a debt collector generally cannot make more than 7 calls within a 7-day period about a specific debt. If that limit is exceeded, it may raise concerns under federal law and, in some situations, may give rise to a potential claim under the FDCPA.
If you’ve been receiving repeated calls from Radius, it may be helpful to review your call history and see how frequently they’ve been contacting you.
When Radius Global Solutions May Be Crossing the Line
Calling repeatedly is not the only way Radius Global Solutions may be crossing the line. Here are some of the most common issues to watch for:
Too many calls: As discussed above, making more than 7 calls within a 7-day period about a specific debt may raise concerns under the FDCPA.
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 calls or communications: Debt collectors must identify themselves and include the required “Mini-Miranda” disclosure when communicating with you about a debt.
Third-party contact: Collectors cannot disclose your debt to family, friends, or employers. They may only contact others to locate your contact information.
Is Radius Global Solutions Legit
Yes, Radius Global Solutions is a real debt collection company. They are a third-party agency that works with creditors and other companies to collect on accounts that have gone into collections.
That said, the fact that a company is legitimate does not automatically mean that every account they are contacting you about is accurate or that every collection attempt is proper. Errors can happen, and the way a debt is handled can still raise issues under federal law.
If you’ve been contacted by Radius, it’s important to evaluate the situation carefully rather than assume the debt is valid simply because the company itself is legitimate.
What to Do If Radius Global Solutions Is Contacting You
Document everything: Save voicemails, screenshots of call logs, and any letters. This information can be important if issues come up later.
Don’t assume the debt is valid: Mistakes and identity mix-ups can happen, especially when accounts are placed with collection agencies. You have the right to request written validation of the debt.
Know your leverage: If the calls are excessive, misleading, or involve improper threats, it may raise concerns under federal law. In some cases, you may be entitled to monetary relief of up to $1,000 under the FDCPA, and the law may require the other side to pay your attorney’s fees.
Take action: Depending on the situation, you may have options such as disputing the debt, requesting that communication stop, or having your situation reviewed by a consumer protection attorney to determine whether a claim may be available.
Talk to a Consumer Protection Attorney
Even if you owe a debt, collectors must follow the law when contacting you. Repeated calls, misleading statements, or improper threats can raise concerns under federal law.
At Reznik Consumer Law, my focus is on helping consumers understand when something may have gone wrong and what options may be available. If you’ve been dealing with ongoing calls from Radius Global Solutions or something about the situation doesn’t seem right, you can reach out for a free consultation to have your situation reviewed.