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Your RMP Questions Answered

Have an issue with RMP? Need help?

Are you being harassed by a debt collector? Is someone from RMP contacting you every day, multiple times per day via text, phone, or social media? Are they threatening to sue? We explain all about RMP, how they operate, why they might be calling you, and what to do if they don’t follow the rules. 

What is RMP?

Receivables Management Partners or RMP is a debt collector. They were founded in 1985 and have worked in “accounts receivable management” since then. 

Should I pay RMP?

Yes, if you owe them money you should settle with RMP. They are a legitimate company and you should legitimately work with them. However, even legitimate companies have been known to sometimes act unfairly and violate things like the Fair Debt Collection Practices Act (FDCPA). So if you have been harassed or treated unfairly, consider filing a complaint or working with an attorney. 

Is RMP a legitimate company?

Yes, RMP is a legitimate company.

Is RMP a junk debt buyer?

RMP is not a junk debt buyer, they are a legitimate debt collection agency. 

Can I ignore RMP?

Don’t assume you can ignore RMP. If you ignore them, RMP can take legal action against you. That said, even though they are a legitimate company, RMP sometimes makes mistakes or violates the most recent FDCPA regulations about when and how they contact you. If this happens, you can share your complaints with outside attorneys, or file complaints with the government. You can get legal help to sue the collection agency if that is insufficient. 

Who does RMP collect for?

RMP collects medical debt. In fact, they have been involved in over 35 Federal court cases. 

Why is RMP calling me when I have no debt?

If RMP is calling you and you don’t think you have debt, you need to send them a request for validation. You have 30 days from the first point of contact to ask the company for authenticity, verifying the legitimacy of the debt. You might not realize you actually have debt, or it might be a mistake. What happens more and more often today is people get a new cell phone number, but that number belongs to someone else previously and is associated with an account sent to collections.If RMP can’t prove the legitimacy of the debt and provide you with evidence that it’s yours, they have to stop trying to collect. If they don’t send you the appropriate response to your request for validation, you can send them a communication called insufficient validation.

What should I do if RMP is calling about debt I’ve already paid?

If RMP is calling about debt I’ve already paid, double check your records. Sometimes debt collectors send the information about a payment to the original lender but it isn’t accurately reported. Other times companies like RMP don’t verify their information. At the same time, send them a request for validation. This will force RMP to stop their collecting attempts and authenticate the debt. Do this within 30 days of your first contact. You can get help with this from an attorney. 

What laws apply to RMP?

As a debt collector, some of the laws that RMP must follow include the FCRA, the FDCPA, and the TCPA.

That alphabet soup stands for the Fair Credit Reporting Act, which gives you rights to help ensure your credit report remains accurate; the Fair Debt Collection Practices Act, which protects you from being abused and deceived by debt collectors; and the Telephone Consumer Protection Act, which limits robocalls and other telephone spam.

If you think any of these consumer protection laws may apply to your situation, tell us about it.

Start a Complaint


What should I do if RMP is calling about debt beyond the statute of limitations (SOL)?

If you believe the debt RMP is calling about has expired, you want to do the same thing: check your records and at the same time, send RMP a request for a validation letter. There is a different statute of limitations for each type of debt, so you want to check your records and check your credit report to make sure the debt actually is expired. Sometimes companies like RMP think they are collecting on a legitimate debt when they aren’t, or they never bothered to check in the first place. If there was a mistake, they should be updated but if the debt has expired, you can send them a cease communications notice. An attorney can help you with this.

How do I settle for less with RMP?

You can try to settle for less by presenting evidence of your financial hardship. If you are struggling financially, proving that will encourage the company to work with you for a lesser settlement knowing that the alternative would be no settlement and a lot of extra manpower wasted. Sometimes working with attorneys makes this process easier and faster. Moreover, the employees with whom you speak get a bonus when they settle your account so you can likely settle for less if you try to negotiate near the end of the month.

How do I get rid of RMP?

If you owe the money, the best way to get rid of RMP is to settle with them. You can always try to negotiate for a reduced settlement or a fraction of the total amount you owe given your financial situation.If you don’t think you owe any money, you can ask RMP for a validation letter, something you should do immediately. If the company can’t verify the legitimacy of the account, then you can send them a letter of insufficient validation either on your own or with the help of an attorney. 

Can RMP sue me?

If your debt is current, yes they can sue you. However, some companies like to sue sooner than others. If you ignore them, then it’s more likely that they can and will sue you. However, debt collectors like RMP are prohibited from suing or threatening to sue consumers for payment on a debt that is past the statute of limitations, although they can still ask for payment past that expiry date. 

Who owns RMP?

Receivables Management Partners LLC owns RMP. 

Who is the CEO of RMP?

The current CEO is Mark Schabel. 

Where are RMP headquarters?

RMP is headquartered in Greensburg, Indiana. 

Who does RMP collect for?

RMP collects medical debt.

How is RMP paid?

Employees are paid minimum wage and they get a bonus that fluctuates regularly, as an incentive to improve company figures periodically (usually near the end of a pay period or quarterly report). 

What is RMP on my credit report?

If your credit report recently showed something labeled “RMP”, you had an account that was sent to collections, likely labeled as delinquent. If you have a delinquent account that you settle, it will remain on your account for 7 years with a zero balance, marked as “settled”. However, if you are working toward a settlement with RMP you or an attorney can negotiate for a “tradeline deletion” to have it removed as soon as you finish payment.

Do I need a lawyer to deal with RMP?

No, you don’t require an attorney, but you might find that it’s a lot easier. Dealing with debt collectors can be extremely stressful, especially if they are using harassing techniques or tactics to try and pressure you. Attorneys can stop all direct communication and serve as your legitimate representation under all circumstances, sending the appropriate validation letter or cease communication letters, and even negotiating for a favorable settlement.

How do I validate debt from RMP?

The FDCPA uses the word “verify,” but some other organizations use the word “validate.” No matter which word is used, it can mean two things. First, You “validate” a debt by sending a letter to RMP officially asking them for information that would confirm the validity of the debt. You or an attorney must do this within 30 days from the first time they contact you.Second, RMP then “validates” the debt on their end by providing you with this information. They cannot continue their collection attempts until they have verified the debt. If they cannot verify it, they have to stop collection attempts. This process should not take more than 30 days. 

How long does it take to settle with RMP?

The length of time it takes to reach a settlement with RCP is based on lots of factors like whether you are communicating with an attorney (this can often expedite the process), what you were trying to negotiate as part of your settlement, and how much you can offer.

How much should I offer RMP to settle a debt?

This is entirely based on your personal situation. If you are experiencing financial hardship, don’t be afraid to offer whatever amount you can legitimately afford even if it’s small. You might be surprised to find those debt collectors are willing to accept a lesser settlement if the alternative is no settlement.

Can a creditor sue you? Can they take all the money in your bank account?

Contrary to popular belief, you won’t just wake up one day and have no money left in your account. Only after they file a default judgment against you can they gain access to assets you have like a bank account, money market account, or life insurance policy to try and collect on the money you owe.

Can I ignore a collection agency like RMP?

You can ignore RMP, but you shouldn’t. If you believe there was a mistake, you only have a short window of opportunity to prove that mistake. Ignoring their attempts to contact you will make it much more challenging to correct the mistake and it leaves you susceptible to things like lawsuits.

How did RMP get my number?

When debt collectors get new accounts from the original creditor, it comes with all of your account information including your contact information.

Can I use a credit card to pay for RMP?

Yes, you can use a credit card to pay for Receivables Management Partners, but you shouldn’t if you can avoid it because it doesn’t actually solve the issue of having debt, it just means you now have that that’s collecting interest at the same rate as your credit card.

Will paying off collections improve credit?

Paying off collections will improve your credit score long-term. One important thing to note however is that when you pay off an account that was sent to collections, it remains listed on your credit score for 7 years as “settled” with a zero balance unless you negotiate for a tradeline deletion. Even if you don’t negotiate for the trade line deletion, that 7 year period doesn’t start until you pay off collections, so every step you take toward paying down your debt is a good one when it comes to your credit score.

Does debt go away after seven years?

No, debt doesn’t automatically go away after 7 years. This is an average figure, although it is quite common for most types of debt. In reality, all qualifying debt has a statute of limitations which varies based on the type of debt and the state. In certain states, it might have a statute of limitations of 14 years. Federal tax debt, for example, has a statute of limitations of 10 years. Once it reaches its statute of limitations, it expires.

If I file for bankruptcy, does my debt go away?

There are a few different types of bankruptcies for which you can file based on your financial situation. They don’t necessarily make all your debt go away. You are still responsible for trying to pay off as much as you can given your situation. Bankruptcy can take years before any remaining debt goes away and there are very strict rules to which you must adhere during that time frame. For example, if you file for chapter 13, you might enter into a negotiation with all of your creditors where you restructure how much you pay every month. However, you will be responsible for making timely payments every month for 5 years. If you are late or miss a single payment, all of your negotiations go out the window and you become financially responsible for the full amount you owe.

How do I get debt removed from my credit score?

For a debt that has already been paid, is expired, or inaccurate, you can contact the credit reporting agencies yourself. They should be able to help you get the debt removed from your credit report or edited. If, however, your account was sent to collections, even after reaching a settlement your delinquent account will remain on your credit score for 7 years unless you negotiate a tradeline deletion with RMP. A tradeline deletion can remove it from your credit report entirely. 








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