December 2, 2023

RCI Debt Collection: What You Need to Know

RCI (Resort Condominiums International) is a vacation exchange company that allows its members to trade their vacation ownership weeks or points with other members for a different location. However, there may be times when a member fails to pay their maintenance fees or assessments, leading to RCI debt collection efforts.

If you are a member who owes RCI money, or you are a collector tasked with managing RCI debt, it is important to understand the process and your rights.

The RCI Debt Collection Process

When a member fails to pay their maintenance fees or assessments, RCI may send a series of notices and reminders to the member requesting payment. If the member fails to respond or pay, RCI may turn the debt over to a collection agency or attorney.


The collection agency or attorney may then contact the member via phone, mail, or email, attempting to collect the debt. They may also report the delinquency to credit bureaus, which could negatively impact the member’s credit score.

Your Rights as a Member

As a member, you have rights when it comes to RCI debt collection efforts. The Fair Debt Collections Practices Act (FDCPA) protects consumers from abusive or deceptive collection practices.

Under the FDCPA, debt collectors are prohibited from:

  • Contacting you before 8 a.m. or after 9 p.m. unless you have given them permission to do so.
  • Contacting you at work if they know or should know that your employer does not allow you to receive personal calls.
  • Contacting third parties, such as friends or family, about your debt unless they are trying to locate you and do not have your contact information.
  • Using abusive or threatening language, or harassing you in any way.

If you believe a debt collector is violating your rights under the FDCPA, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or consult with a consumer protection attorney.

How to Avoid RCI Debt Collection

The best way to avoid RCI debt collection is to pay your maintenance fees and assessments on time. RCI offers several payment options, including online, by phone, and by mail.

If you are struggling to pay your fees or assessments, contact RCI as soon as possible to discuss your options. They may be able to offer a payment plan or other accommodations.


RCI debt collection can be a stressful and confusing process for both members and collectors. However, by understanding the process and your rights, you can protect yourself and make informed decisions.

If you are a member with RCI debt, make sure to pay your fees and assessments on time, or contact RCI to discuss your options. If you are a collector, make sure to follow the FDCPA guidelines and treat consumers with respect and fairness.

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