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What Is RFGI? How to Respond

Sarah Edwards | February 14, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Whether you’re already familiar with debt collectors or not, getting repeat phone calls from them is never a picnic. If RFGI has been calling you, you can block further calls by sending a Debt Validation Letter.

Have you been getting non-stop phone calls, texts, emails, or letters from RFGI? If so, you might wonder — or hope — that it’s just a scam. However, you shouldn’t ignore communications from this company. If you do, you might find yourself dealing with legal action and more credit damage.

Here’s how to respond to communications from RFGI collections.

What is RFGI?

RFGI stands for Rozlin Financial Group, Inc. It’s a debt collection agency located in Illinois at 1628 Dekalb Ave, Sycamore, IL 60178-2706. It was founded in 2008, and it can be reached by phone at 866-217-9080. You may receive calls from this phone number as well.

Who does RFGI collect for?

RFGI collects for a wide range of industries, although it notes that it specializes in the following:

  • Healthcare
  • Dental
  • Utilitie.
  • Colleges, universities, and other schools
  • Landlords and property managers
  • Retail and financial
  • Homeowners associations (HOAs)
  • HVAC
  • Solar
  • Landscaping and lawncare

RFGI is accredited by the Better Business Bureau (BBB) and has a rating of B, which is better than many debt collectors. Many debt collectors also have a customer review average of around one star out of five. However, this one has 42 customer reviews with an average of 4.05 stars out of five with the BBB. And out of hundreds of Google reviews, RFGI has an average rating of 4.4 out of 5 stars.

So what sets RFGI apart from other collectors? The consumer reviews offer some insight. Most Rozlin Financial Group reviews mention polite, friendly, and professional representatives. They also mention that RFGI makes it easy to set up payment plans or otherwise resolve debt.

Let’s read some real RFGI reviews below:

But along with the positive reviews, there are complaints as well. As of 2024, the BBB has reported dozens of complaints against RFGI in the past three years, and almost half of those complaints were filed in the past 12 months.

Many of the complaints allege that Rozlin Financial Group did not validate the debt when asked. Some say that RFGI was attempting to collect a debt that was never owed in the first place.

It can also be helpful to check the complaint database of the Consumer Financial Protection Bureau (CFPB) to learn more about a debt collector.

What states does RFGI collect in?

According to its website, RFGI collects nationwide, except for a few states. It doesn’t clarify which states it doesn’t collect in.

When I called back, the person answered RFGI. What do I do?

If you get a call from a mystery number and call back, you might be caught off-guard if you discover that RFGI is a debt collector. So what should you do?

The most important thing is to never admit you owe the debt. Debt collectors may record phone calls. If you contest the debt later, they can use whatever you say as evidence that you owe the debt.

It’s easy to accidentally say something that implies you owe what they say you do, so it’s often a good idea to only communicate with RFGI — or any debt collector — in writing.

If you get a call from Rozlin Financial Group stating you owe money, your first step should be to request that the company validate the debt. Basically, this means you’re asking RFGI to prove that you owe money.

Check out SoloSuit’s video Q&A on Debt Validation Letters.

Consider requesting a Debt Validation Letter

This request needs to be made in writing using something called a Debt Validation Letter. In this letter, you’ll need to ask for the following:

  • The name of the original creditor
  • How much you owe
  • The last transaction or payment on your account
  • A copy of the original signed contract with the creditor
  • Proof that RFGI is authorized to collect the debt
  • RFGI’s license number to operate in your state

When it comes to Debt Validation Letters, it’s important to note that under the Fair Debt Collection Practices Act (FDCPA), it’s only collection agencies that are legally obligated to validate a debt when requested. The same rule does not apply to original creditors. To understand the distinction, let’s look at an example.

Example: Emma gets a billing statement from her doctor’s office. Because she isn’t all that familiar with the FDCPA, she sends a Debt Validation Letter to the doctor’s office. The office kindly explains that they don’t have to validate her debt — she agreed to pay them when she signed a form at their office. However, Emma forgets to pay the bill until it goes to collections. When she gets a letter from RFGI saying she owes money, she sends RFGI a Debt Validation Letter. Because RFGI is a collection agency, and not the original company Emma entered into a contract with, they must abide by her request and send her a Debt Validation Letter.


Get started with SoloSuit’s Debt Validation Letter template.

Here’s what happens next

Once RFGI receives your Debt Validation Letter, they are legally forbidden from contacting you until they have validated the debt. If you never hear back, that means that they either were unable to validate the debt or were unwilling to take the time to do so. In this case, you don’t have to pay.

However, if RFGI gets back to you and validates the debt, make sure you pay it! If you can’t pay all at once, reach out to RFGI to ask about setting up a payment plan. If you do nothing, RFGI might file a debt collection lawsuit against you.

To learn more about how to make RFGI validate your debt, watch this video:

What is RFGI saying you owe? Whatever the answer, SoloSuit can help!

Dealing with debt collectors can be stressful, but SoloSuit at least makes it simple. If you need RFGI to validate a debt, you can use SoloSuit to send a Debt Validation Letter. And if you find yourself facing a lawsuit, we can help with that, too. Let SoloSuit help you move forward from your debt today!

Have you been sued by RFGI? Send an Answer with SoloSuit.

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