By: Robert J. Nahoum
WHO IS RJM Acquisition LLC?:
RJM Acquisition LLC is an infamous “debt buyer”, buying up portfolios of old debt from banks, credit card companies, hospitals, doctors, cell phone companies and car companies for pennies on the dollar. According to RJM Acquisition LLC it “purchases debt from major banks, financial institutions, catalog companies, book clubs, music clubs, and DVD clubs”.
Debt buyers like RJM Acquisition LLC buy up delinquent credit accounts for pennies on the dollar and then try to collect the full amount from consumers, plus interest, penalties, late fees, overdraft fees, attorney’s fees and whatever other kinds of fees they can come up with.
RJM Acquisition LLC regularly makes debt collection phone calls from (800) 824-9516, (800) 644-8075, (800) 541-082, and is located at:
575 Underhill Blvd
Syosset, New York 11791
RJM Acquisition LLC is a notorious violator of federal debt collection laws known as the Fair Debt Collection Practices Act (FDCPA) and is sued regularly by consumers for these violations. The FDCPA is a federal law that regulates the collection of consumer debts. It precludes third party debt collectors from using false, misleading, deceptive and harassing debt collection tactics.
THE PROBLEM WITH RJM ACQUISITION LLC :
To RJM Acquisition LLC, you the consumer are no more than an entry on a spreadsheet, you are data, you are just one of the more than 33 million accounts they have bought over the years. Unfortunately for RJM Acquisition LLC, entries on spreadsheets are not enough to win against you in court.
In a debt collection lawsuit, RJM Acquisition LLC always has the burden to prove that the consumer is responsible for the debt. To meet this burden, RJM Acquisition LLC must prove that: (1) it has the right to sue you; (2) the debt is yours; and (3) you owe the amount for which you were sued. It is never the burden of the consumer to prove that he or she does not owe the debt.
To meet its burden, the proof submitted by the RJM Acquisition LLC must be based on “personal knowledge”. Personal knowledge means that the person offering the evidence on behalf of RJM Acquisition LLC must be a witness to the event shown in a particular document. For example, if credit card bills are offered into evidence on behalf of RJM Acquisition LLC, the person offering the evidence must have personal knowledge of how the information in the credit card bill got there, how it is generated and how it is maintained. That person must have personal knowledge of the computer system and how it operates. If this person does not have such personal knowledge, the evidence is “hearsay” and it cannot be used.
Remember, to RJM Acquisition LLC, you are just an entry on a spreadsheet. For this reason, RJM Acquisition LLC routinely lacks the evidence necessary to prove its case and beat you in court.
WHAT YOU SHOULD DO:
If you’ve been sued by RJM Acquisition LLC in a debt collection lawsuit, consider hiring a qualified attorney experienced in debt defense.
As with all debt defense cases, a good debt defense lawyer analyzes debt collection cases to determine if any violations of the FDCPA have occurred. If a debt buyer or its attorney violates the FDCPA, you can sue for statutory damages up to $1,000.00 plus actual damages (like pain and suffering) and your attorney’s fees. In FDCPA cases, a good consumer lawyer won’t charge clients a penny out of pocket.