Who Called From 201-518-0285?
Short answer: 201-518-0285 is a number used by RAB Performance Recoveries, L.L.C. (RAB Performance Recoveries, L.L.C.), a debt buyer based in Oradell, NJ — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1316135-dca on file, address of record in oradell, nj. They are almost certainly trying to collect a debt, most often credit card debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 201-518-0285?
The number 201-518-0285 is used by RAB Performance Recoveries, L.L.C. (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1316135-dca on file, address of record in oradell, nj), a debt buyer in Oradell, NJ. For the full company profile — ownership, history, and known aliases — see our complete RAB Performance Recoveries, L.L.C. guide. This page focuses on the calls coming from 201-518-0285 specifically.
About this specific number
- 📞 Number: 201-518-0285 (area code 201, ending in 0285)
- 📍 Line type: Direct-dial — resolves to the 201 area code.
- 🏢 Operator: RAB Performance Recoveries, L.L.C., a debt buyer in Oradell, NJ.
- 🔢 Related lines: RAB Performance Recoveries, L.L.C. is documented using 1 number in our directory, so calls may also come from other digits.
201-518-0285 is a direct-dial number tied to the 201 area code, which is why the call may have appeared "local" on your caller ID even though RAB Performance Recoveries, L.L.C. operates out of Oradell, NJ.
Some carriers display 201-518-0285 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from RAB Performance Recoveries, L.L.C..
On your caller ID, in voicemails, or in letters, this company can also appear as: RAB Performance Recoveries, L.L.C..
Why Is RAB Performance Recoveries, L.L.C. Calling Me From 201-518-0285?
In our directory, 201-518-0285 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1316135-dca on file, address of record in oradell, nj for RAB Performance Recoveries, L.L.C., which typically collects credit card debt, charged-off consumer accounts. A call from 201-518-0285 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was sold to RAB Performance Recoveries, L.L.C., which now owns the debt and is trying to collect the full balance.
- ✅ RAB Performance Recoveries, L.L.C. is now dialing you from 201-518-0285 and possibly other lines to reach a resolution.
Calls from 201-518-0285 often come right after a billing cycle closes. Some people report that 201-518-0285 calls once and hangs up, then tries again from a different RAB Performance Recoveries, L.L.C. line hours later. A single missed call is not proof of a valid debt. When 201-518-0285 shows up on your caller ID, it is worth checking whether the RAB Performance Recoveries, L.L.C. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make RAB Performance Recoveries, L.L.C. prove the credit card debt in writing first.
Important: a phone call — even from a real number like 201-518-0285 — does not prove you owe the debt, that the amount is correct, or that RAB Performance Recoveries, L.L.C. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 201-518-0285
Anything you say to RAB Performance Recoveries, L.L.C. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 201-518-0285 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from RAB Performance Recoveries, L.L.C..
Don't agree to a payment on the spot
A single payment to RAB Performance Recoveries, L.L.C. — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 201-518-0285.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 201-518-0285. Any legitimate RAB Performance Recoveries, L.L.C. resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 201-518-0285 caller. If it truly is your RAB Performance Recoveries, L.L.C. account, they should already have what they need and must prove it.
What To Do If 201-518-0285 Keeps Calling
Here are concrete next steps for this specific RAB Performance Recoveries, L.L.C. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 201-518-0285 as a contact labeled "RAB Performance Recoveries, L.L.C. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 201-518-0285 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that RAB Performance Recoveries, L.L.C. identify the original creditor behind the 201-518-0285 calls and the date the debt was opened.
Your Rights When RAB Performance Recoveries, L.L.C. Calls From 201-518-0285
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send RAB Performance Recoveries, L.L.C. a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If RAB Performance Recoveries, L.L.C. reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 201-518-0285: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that RAB Performance Recoveries, L.L.C. stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, RAB Performance Recoveries, L.L.C. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars RAB Performance Recoveries, L.L.C. from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 201-518-0285
We investigate the specific RAB Performance Recoveries, L.L.C. account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the RAB Performance Recoveries, L.L.C. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to RAB Performance Recoveries, L.L.C.. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
201-518-0285 — Frequently Asked Questions
Who is calling me from 201-518-0285?
201-518-0285 is a direct-dial line associated with RAB Performance Recoveries, L.L.C. (also seen as RAB Performance Recoveries, L.L.C.), a debt buyer headquartered in Oradell, NJ. The number resolves to the 201 area code. If you received a call from 201-518-0285 — often showing the last four digits 0285 on your screen — it is very likely RAB Performance Recoveries, L.L.C. attempting to reach you about a debt they say you owe, most often credit card debt, charged-off consumer accounts.
Is 201-518-0285 a scam number?
RAB Performance Recoveries, L.L.C. is a real, registered company, and 201-518-0285 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like RAB Performance Recoveries, L.L.C., so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 201-518-0285?
You are not legally required to answer 201-518-0285 or call RAB Performance Recoveries, L.L.C. back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, RAB Performance Recoveries, L.L.C. must pause collection until it mails you proof of the debt.
Why is RAB Performance Recoveries, L.L.C. calling me about credit card debt?
A call from 201-518-0285 usually means an original credit card debt went unpaid and was sold to RAB Performance Recoveries, L.L.C., which now owns the balance and dials this line to collect it. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop RAB Performance Recoveries, L.L.C. from calling 201-518-0285?
Yes. The FDCPA lets you send a written cease-and-desist demand telling RAB Performance Recoveries, L.L.C. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 201-518-0285 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt RAB Performance Recoveries, L.L.C. is calling about?
Do not pay anything based on a call from 201-518-0285 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About RAB Performance Recoveries, L.L.C.
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