RAS LaVrar: Who They Are and Your Rights

Type

Collection law firm

Also known as

RAS LaVrar, LLC

Headquarters

Plantation, FL

Collects

consumer debts, medical debts, commercial debts

Phone numbers it lists

(954) 735-4455, (800) 531-5490

Website

raslavrar.com

85 debt collection complaints were sent to the Consumer Financial Protection Bureau about RAS LaVrar, LLC 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 RAS LaVrar?

RAS LaVrar, LLC calls itself a full-service creditors' rights law firm. Its headquarters is at 1133 S. University Drive in Plantation, Florida, and it says it has physical offices in Florida, Georgia, South Carolina, North Carolina, Virginia, Pennsylvania, New Jersey, New York and Texas, states that together hold more than 40% of the U.S. population. Its practice covers consumer collections, commercial collections, replevin (recovering collateral), pre-suit collection, collection litigation and post-judgment recovery, including writs of garnishment. We did not find a CFPB enforcement action against RAS LaVrar.

Why RAS LaVrar May Be Contacting You

A law firm usually enters the picture after an account has gone unpaid for a while. Contact from RAS LaVrar may be:

• a pre-suit demand letter or call on a consumer, medical or commercial account a creditor has sent to the firm;
• a lawsuit filed for a creditor over a consumer or commercial account;
• a request to recover collateral through a replevin action;
• post-judgment collection on a judgment a creditor already holds.

The website does not name its clients. Your letter or the lawsuit petition should name the creditor; if it doesn't, ask.

How to Check a Debt RAS LaVrar Says You Owe

With a law firm, the most important question is whether you have been sued.

• If you received court papers, find the answer deadline right away. A Texas justice court answer is due by the end of the 14th day after service; see what to do first if you're sued.
• If you only received a letter, it should include or be followed by a validation notice naming the creditor and itemizing the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing within the validation period and ask for the contract and payment history.
• Ask who owns the account and whether the firm's client is the original lender or a debt buyer.
• Check the math. Compare the claimed principal, interest and fees with your statements.
• Check the dates. In Texas, suit on most debts must be filed 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). Florida and the other states where the firm works set their own limits.

What RAS LaVrar Can and Can't Do

Lawyers who regularly collect consumer debts, including by suing, are "debt collectors" under the FDCPA (Heintz v. Jenkins, 514 U.S. 291 (1995)); see whether a collection law firm is a debt collector.

• A letter on law-firm letterhead may not suggest a lawyer has reviewed your file if none has (15 U.S.C. § 1692e(3)).
• A lawsuit must be filed in the county where you live or signed the contract (15 U.S.C. § 1692i).
• Texas does not allow wage garnishment for ordinary consumer debts (Tex. Const. art. XVI, § 28). A judgment creditor may try other remedies, such as bank account garnishment, but much property is exempt; see claiming protected property.
• It may not contact you directly once it knows a lawyer represents you on the debt (15 U.S.C. § 1692c(a)(2)).

If something about the firm's collection seemed wrong, see our Texas FDCPA attorneys page.

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 RAS LaVrar 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

• RAS LaVrar: home page
• RAS LaVrar: About Us
• RAS LaVrar: Contact Us
• CFPB Consumer Complaint Database: RAS LaVrar, LLC, debt collection

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