Who Called From 912-264-1955?
Short answer: 912-264-1955 is a number used by RGL Associates, Inc. (RGL Associates, Inc.), a third-party collection agency based in Brunswick, GA — florida consumer-collection-agency registration cca0900238, filed under the merchants and medical collections trade name, gives this line as the telephone of record (brunswick, ga). 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 912-264-1955?
The number 912-264-1955 is used by RGL Associates, Inc. (florida consumer-collection-agency registration cca0900238, filed under the merchants and medical collections trade name, gives this line as the telephone of record (brunswick, ga)), a third-party collection agency in Brunswick, GA. For the full company profile — ownership, history, and known aliases — see our complete RGL Associates, Inc. guide. This page focuses on the calls coming from 912-264-1955 specifically.
About this specific number
- 📞 Number: 912-264-1955 (area code 912, ending in 1955)
- 📍 Line type: Direct-dial — resolves to the 912 area code.
- 🏢 Operator: RGL Associates, Inc., a third-party collection agency in Brunswick, GA.
- 🔢 Related lines: RGL Associates, Inc. is documented using 1 number in our directory, so calls may also come from other digits.
912-264-1955 is a direct-dial number tied to the 912 area code, which is why the call may have appeared "local" on your caller ID even though RGL Associates, Inc. operates out of Brunswick, GA.
Some carriers display 912-264-1955 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from RGL Associates, Inc..
On your caller ID, in voicemails, or in letters, this company can also appear as:
Why Is RGL Associates, Inc. Calling Me From 912-264-1955?
In our directory, 912-264-1955 is tracked as a florida consumer-collection-agency registration cca0900238, filed under the merchants and medical collections trade name, gives this line as the telephone of record (brunswick, ga) for RGL Associates, Inc., which typically collects credit card debt, medical bills, utility accounts. A call from 912-264-1955 usually happens because:
- ✅ An original account (a credit card debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with RGL Associates, Inc. to collect on behalf of the original creditor.
- ✅ RGL Associates, Inc. is now dialing you from 912-264-1955 and possibly other lines to reach a resolution.
Calls from 912-264-1955 often come right after a billing cycle closes. Some people report that 912-264-1955 calls once and hangs up, then tries again from a different RGL Associates, Inc. line hours later. A single missed call is not proof of a valid debt. When 912-264-1955 shows up on your caller ID, it is worth checking whether the RGL Associates, Inc. account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make RGL Associates, Inc. prove the credit card debt in writing first.
Important: a phone call — even from a real number like 912-264-1955 — does not prove you owe the debt, that the amount is correct, or that RGL Associates, Inc. can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 912-264-1955
Anything you say to RGL Associates, Inc. can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 912-264-1955 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 RGL Associates, Inc..
Don't agree to a payment on the spot
A single payment to RGL Associates, Inc. — 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 912-264-1955.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 912-264-1955. Any legitimate RGL Associates, Inc. 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 912-264-1955 caller. If it truly is your RGL Associates, Inc. account, they should already have what they need and must prove it.
What To Do If 912-264-1955 Keeps Calling
Here are concrete next steps for this specific RGL Associates, Inc. line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 912-264-1955 as a contact labeled "RGL Associates, Inc. — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 912-264-1955 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that RGL Associates, Inc. identify the original creditor behind the 912-264-1955 calls and the date the debt was opened.
Your Rights When RGL Associates, Inc. Calls From 912-264-1955
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 RGL Associates, Inc. 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 RGL Associates, Inc. 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 912-264-1955: 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 RGL Associates, Inc. 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, RGL Associates, Inc. generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars RGL Associates, Inc. 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 912-264-1955
We investigate the specific RGL Associates, Inc. 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 RGL Associates, Inc. account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to RGL Associates, Inc.. 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.
912-264-1955 — Frequently Asked Questions
Who is calling me from 912-264-1955?
912-264-1955 is a direct-dial line associated with RGL Associates, Inc. (also seen as RGL Associates, Inc.), a third-party collection agency headquartered in Brunswick, GA and operating since 1997. The number resolves to the 912 area code. If you received a call from 912-264-1955 — often showing the last four digits 1955 on your screen — it is very likely RGL Associates, Inc. attempting to reach you about a debt they say you owe, most often credit card debt, medical bills, utility accounts.
Is 912-264-1955 a scam number?
RGL Associates, Inc. is a real, registered company, and 912-264-1955 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like RGL Associates, Inc., 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 912-264-1955?
You are not legally required to answer 912-264-1955 or call RGL Associates, Inc. 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, RGL Associates, Inc. must pause collection until it mails you proof of the debt.
Why is RGL Associates, Inc. calling me about credit card debt?
A call from 912-264-1955 usually means an original credit card debt went unpaid and was placed with RGL Associates, Inc., which dials this line to collect on the original creditor's behalf. 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 RGL Associates, Inc. from calling 912-264-1955?
Yes. The FDCPA lets you send a written cease-and-desist demand telling RGL Associates, Inc. to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 912-264-1955 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt RGL Associates, Inc. is calling about?
Do not pay anything based on a call from 912-264-1955 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.
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