As a consumer, you have important federal protections. We are committed to full compliance with all applicable laws.
This communication is from a debt collector. Rabinek & Associates is attempting to collect a debt. Any information obtained will be used for that purpose. This is an attempt to collect a debt.
The Fair Debt Collection Practices Act (15 U.S.C. §1692 et seq.) protects you from abusive, unfair, and deceptive practices by debt collectors. Below is a summary of your rights. For the complete text of the law, visit ftc.gov.
Within 30 days of receiving our initial written notice, you may send a written request asking us to verify the debt. During the verification period, we must cease collection activity until we provide you with written verification of the debt, including the name and address of the original creditor.
If you dispute the validity of the debt, in whole or in part, within 30 days of our initial notice, we must cease collection until we obtain and mail verification to you. Your dispute must be in writing. Please mail your written dispute to: Rabinek & Associates, Attn: Consumer Relations, 225 W Washington St, Suite 2900, Chicago, IL 60606.
If the original creditor is different from the current creditor, you may request the name and address of the original creditor within 30 days of receiving our initial notice.
Debt collectors may not harass, oppress, or abuse you or any third party they contact. Prohibited conduct includes:
Debt collectors may only call between 8:00 AM and 9:00 PM in your local time zone. We may not call you at work if we know your employer does not permit such calls.
You may request in writing that we cease all contact. Upon receipt of such a written request, we may only contact you to acknowledge the request or to notify you of specific legal actions we may take. Please note that stopping contact does not eliminate the debt.
To dispute this debt, send a written notice within 30 days to:
Many states have additional consumer protection laws that may provide you with greater rights than the FDCPA. Please consult your state attorney general's office for state-specific protections applicable in your jurisdiction.
California residents are protected by the Rosenthal Fair Debt Collection Practices Act (Cal. Civ. Code §1788 et seq.), which provides additional protections beyond the federal FDCPA. California consumers may contact the California Department of Financial Protection and Innovation (DFPI) with complaints.
Rabinek & Associates collects personal information solely for the purpose of debt collection. We do not sell your personal information to third parties. We share information only as permitted by law and necessary for the collection process. We maintain administrative, technical, and physical safeguards to protect your information.
To request access to, correction of, or deletion of your personal information (where applicable under state law), contact our Privacy Officer at privacy@alisenrabinek.com or 1-800-555-0100.
If you believe your rights have been violated, you may file a complaint with:
You may also file a complaint directly with us.
Last Updated: January 1, 2024 | License No. DC-1987-CHI-0042