RAB Inc. - Regional Adjustment Bureau

Acquired By Credit Control LLC On 8/1/2018

Debt Collection DefenseAre you receiving letters or phone calls from the debt collection agency RAB Inc?

Do you have concerns about whether you really owe the debt, or whether the balance is correct? Are you interested in finding out your options to resolve the debt?

At the Law Office of Simon Goldenberg PLLC, our lawyers help people resolve their debts with the collectors at Regional Adjustment Bureau, also known as RAB Inc. We help protect out client's from aggressive collection agents and we assit in pursuing violations to consumer laws. As attorneys, we assist New Yorkers with respect to a variety of debt relief options, which may include lawsuit defense, debt negotiation, or chapter 7 bankruptcy.

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A client retained our attorneys for assistance with respect to two Access Group Student Loans being collected by the agents at RAB Inc. with a balance exceeding $39,000. Through the assistance of our attorney negotiators, the debt was settled for less than $12,000, resulting in a reduction of approximately 70%, and a savings of over $27,000.

On behalf of our Client's, our lawyers have negotiated many accounts with the collectors at Regional Adjustment Bureau. Where possible, your debt may be resolved by negotiating a settlement for a reduced amount. Some client's matters result in quite a substantial savings compared to the actual balance. Results vary from case to case.


RAB Inc. is a debt collection agency with a primary address at 1900 Charles Bryan Suite 110, Memphis, TN 38016. The company is also reffered to as Regional Adjustment Bureau - A Total Receivable Management Company.

For years Regional Adjustment Bereau (RAB Inc.) has operated as a multi-state agency collection primary consumer debts, including defaulted student loans and credit cards. As of today (4/20/2016), RAB Inc. maintains an A+ BBB rating. 63 consumer complaints have been closed within 3 years. Mr. Steven Smith is listed as the president of this collection agency, which was initially founded in 1971.

The FTC announced in 2014 a settlement agreement whereby RAB Inc. would pay $1.5 million in a civil penalty and make certain changes with respect to how they collect debts and their procedures for handling disputed accounts, among other restrictions. The FTC complaint alleged that RAB Inc. unfairly and deceptively:

  • Contacting consumers at their place of employment despite knowing that the consumers workplace policy prohibited such contact;
  • Caused unauthorized debits from consumers bank accounts;
  • Sharing confidential information with 3rd parties;
  • Repeatedly calling consumers to collect debts that they did not owe.

As of April 2016, it has been announced that Regional Adjustment Bureau, Inc. has joined Value Recovery Group, Inc (VRG).



You may have defenses to your debt. You have rights that protect you from wrongful debt collection practices under both state and federal law. Under Federal Law, consumers have strong rights under the Federal Fair Debt Collection Practices Act of 1977 (FDCPA), and the Fair Credit Reporting Act (FCRA). In New York City, consumers are entitled to additional protections under the New York administrative code. Our New York Debt Lawyers are well versed in the nuances of debt collection laws, and can advocate to help you achieve a resolution.

If you're being faced with a debt collection matter with Regional Adjustment Bureau a/k/a RAB Inc, call our office for a free evaluation.

*Each case is unique. Prior results do not guarantee future performance. The case summaries listed on this website are sample cases, they do not reflect the entirety of the cases our office may have addressed with that entity, they are not necessarily chosen to reflect our "average" results or most common results, and the listed results are not indicative of what might be achievable for another client. All listed figures are approximations, and despite our best efforts to maintain accuracy, may be subject to typographical error or other bona-fide human error, for which we make no warranties or guarantees. The information on this website is provided for general informational purposes only, it is not legal advice, and none of the information posted is intended as an accusation by our office of any wrongdoing by any entities. Contact an attorney for an evaluation of your particular circumstances to help understand the options that may be available to you.

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New York Debt Collection Defense Attorney

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New York Debt Collection Defense Attorney
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Brooklyn, NY 11230
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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.