R.A. Rogers: Who They Are and Your Rights

Type

Collection agency

Also known as

R.A. Rogers, Inc.; R. A. Rogers Collection Consultants; RAR

Headquarters

Crofton, MD

Collects

credit union loans and accounts, unpaid rent, late fees and court costs, medical bills

Phone numbers it lists

(800) 830-8641

Website

rarogersinc.com

114 debt collection complaints were sent to the Consumer Financial Protection Bureau about R.A.Rogers, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is R.A. Rogers?

R.A. Rogers, Inc. describes itself as a nationwide collection agency. Its website gives a mailing address of P.O. Box 3302, Crofton, Maryland 21114, and a consumer number of (800) 830-8641. The Better Business Bureau places its office at 2135 Espey Court in Crofton, lists 1990 as its start year, and shows the alternate name R. A. Rogers Collection Consultants. The company publishes NMLS registry number 920364, says it is licensed, bonded or insured wherever state law requires, and says it is a member of the American Collectors Association whose staff train on the FDCPA, FCRA, TCPA, GLBA and HIPAA.

We did not find a CFPB enforcement action against R.A. Rogers.

Why R.A. Rogers May Be Contacting You

R.A. Rogers focuses on three kinds of clients:

• Credit unions. The company says it serves more than 400 credit unions nationwide. A letter may concern a charged-off credit union credit card, personal loan, overdrawn share account or the balance left after a vehicle was repossessed.
• Property managers. It collects unpaid rent, late fees and court costs for commercial and residential property management firms, often after a tenant has moved out.
• Medical providers. It resolves patient accounts and works on insurance information and claims.

How to Check a Debt R.A. Rogers Says You Owe

Each of these account types has its own weak spots, so tailor your review.

• Start with the validation notice. It must name the creditor (your credit union, landlord or provider) and itemize the balance from a reference date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. R.A. Rogers must stop collecting until it sends verification.
• For rent balances, ask for the lease, the move-out inspection, the security deposit accounting and a ledger. In Texas, a landlord must account for the deposit after you surrender the unit and give a forwarding address (Tex. Prop. Code § 92.103).
• For credit union accounts, request the last statement and, after a repossession, the notice of sale and how the sale price was applied.
• For medical accounts, compare the balance with your insurer's explanation of benefits.
• Check the time limit. Texas generally requires suit on a consumer debt within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Maryland and other states set their own periods.

What R.A. Rogers Can and Can't Do

As an agency collecting for credit unions, landlords and providers, R.A. Rogers is a "debt collector" under 15 U.S.C. § 1692a(6). The FDCPA and Regulation F mean:

• It may not add rent-related fees or charges that the lease or law does not authorize (15 U.S.C. § 1692f(1)).
• It may not talk about your debt with your new landlord, employer or family, except to ask for your location (15 U.S.C. §§ 1692b, 1692c(b)).
• It may not report a debt to the credit bureaus without first communicating with you about it (12 C.F.R. § 1006.30(a)).
• Calls are presumptively limited to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)).

Learn whether a collector can add fees, or contact our FDCPA attorneys.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If R.A. Rogers or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• R.A. Rogers: home page
• BBB business profile: R. A. Rogers, Inc (facts only)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: R.A.Rogers, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that R.A. Rogers has violated any law. Company details change; tell us if something here is out of date.