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How to Beat Real Time Resolutions

Dena Standley | November 08, 2022

Beating Real Time Resolutions in court feels like this ^^

Summary: Real Time Resolutions is a debt collection agency. If they have contacted you about a debt, or are threatening to sue you, SoloSuit can help you file an Answer and beat them in court.

Dealing with debt collectors can be stressful, exhausting, and awkward.. People often avoid their calls because they fear what they will say. You are not powerless. Knowing your rights can help you deal with calls and other forms of contact from a debt collection agency.

Keep reading to find out how to beat Real Time Resolutions.

What is Real Time Resolutions?

Real Time Resolutions is a debt collection agency. Based in Dallas, TX, this company is also a full-service loan servicing and recovery organization. Real Time Resolutions specializes in consumer loans, including auto, student, mortgage, credit cards, and others. If RTR appears on your credit report, it’s likely they have acquired your debt from another creditor.

They were established in 2000 and initially served as a collection agency and asset servicer for assets connected to real estate. They have since expanded to cover more varieties of third-party debt.

Below is Real Time Resolutions’ phone number and other contact information:

Real Time Resolutions, Inc.
P.O. Box 36655 Dallas,
TX 75235-1655
Telephone: (855) 466-3090
Website: http://www.realtimeresolutions.com/

Real Time Resolutions acquires debt from various creditors. The debt is obtained from the original creditor (a credit card or a loan company) and then passed on to Real Time Resolutions if the consumer fails to pay the debt. RTR debt collectors get paid to collect debts on behalf of other businesses, even when they do not own the debt themselves.

Can collections from Real Time Resolutions affect my credit score?

When Real Time Resolutions becomes involved, the odds are high that the debt is already significantly past-due. Past-due debts are usually reported to one or more of the three credit reporting bureaus. They can substantially damage your credit score, making it more challenging to get a loan or rent housing, and can even impact your ability to get a job.

What are my options when contacted by Real Time Resolutions?

The first response, when contacted by a debt collector, should be to send a Debt Validation Letter. In reality, debts that are transferred from the original owner to another party often have erroneous or missing information. The Debt Validation Letter forces the debt collector to prove that the debt is valid and belongs to you.

If Real Time Resolutions responds with adequate proof that the information they have about the debt is accurate, you can use SoloSuit’s Solosettle tool to craft a settlement letter that may allow you to settle your debt for pennies on the dollar.

Will paying a valid debt to Real Time Resolutions spare my credit rating?

It might seem like paying your debt in full might seem like the right choice to protect your credit rating. One significant issue exists - when a loan in collections is paid off, the status of your credit report changes from "unpaid" to "paid," but the collection is still shown for seven years (from the date of first delinquency). This can result in a bad credit rating.

While you can always dispute incorrect, incomplete, unverifiable, unauthorized, or fraudulent negative items from the credit bureaus, there are instances when it is preferable to have a credit specialist help you.

Will a Goodwill Letter to Real Time Resolutions Help?

A goodwill letter requests that a creditor erase late payments or other errors on your credit report. Real Time Resolutions does not accept goodwill letters to eliminate collection accounts or charge-offs.

Can I file a harassment claim against Real Time Resolutions?

Yes! You must file a lawsuit if you wish to protect your rights or get paid for infractions. The ability to sue for financial damages in court is made possible by federal legislation for people like you. The FDCPA, for example, allows consumers who have been wronged to recover compensation of up to $1,000, including attorney fees.

Real Time Resolutions reviews and complaints

The BBB has given Real Time Resolutions an A+ rating. The company is a legitimate debt collection agency that has been in business for 22 years. However, the consumer satisfaction rating is 1.8/5 stars. The Fair Debt Collection Practices Act (FDCPA) is frequently violated by Real Time Resolutions, according to consumer complaints, particularly by failing to verify accounts and seeking to collect bills that are not owed.

As of 2022, there are more than 50 complaints against Real Time Solutions listed with the BBB over the last three years. Many of those complaints center around the collection practices used by Real Time Resolutions and how their practices violate the FDCPA. Below is one such complaint (edited for clarity):

“Real Time Resolutions is holding up my real estate closing. My title company had communication with an agent at Real Time, and after one and a half hours on hold seeking written documentation that the debt was paid in full.. The title representative was told the request was received and they are working on it, when an estimated timeline was requested, they said "due to it being so late in the week already, hopefully you will see something late next week." My Title company told them we were set to close this Friday and it was an urgent matter, but, it did not budge them the slightest.”

If this debt collector has approached you, be sure you know your rights before taking action. Remember, the Fair Debt Collection Practices Act (FDCPA) offers you protection from harassment and unfair collection practices.

Do you owe money to Real Time Resolutions?

Has Real Time Resolutions contacted you and said you owe them money? Have you noticed their name on your credit record and are unsure what to do next? SoloSuit can help you create a Debt Validation Letter to send to RTR. A Debt Validation Letter forces the debt collection agency to verify facts about the debt and confirm that it legitimately belongs to you.

There are numerous reasons a debt may not be valid, including:

  • The statute of limitations has expired.
  • The debt was previously settled.
  • The debt does not belong to you.
  • Information provided by Real Time Resolutions about the debt is incorrect.

Learn more about how a Debt Validation Letter can help you in this video:

If you receive confirmation that the debt belongs to you, you can explore a settlement offer using the SoloSettle tool. If RTR refuses to settle or decides to file a lawsuit against you, you can seek mediation to force it out of court.

If you are contacted by a debt collector, take the following steps to ensure the best possible outcome.

How to handle RTR’s attempts to collect a debt

It's easy to become upset or defensive because discussing debt can be stressful. Keep your composure so that you can approach the problem rationally. Once you learn that RTR is contacting you regarding a debt, inform them that you want all further contact to be in writing. Refuse to discuss the debt with them over the phone and immediately send a Debt Validation Letter.

Real Time Resolutions debt collectors are bound by the FDCPA, so they cannot call you before 8:00 am or after 9:00 pm. They cannot use abusive or threatening language, nor can they threaten you with arrest or other criminal charges. If RTR fails to comply with the FDCPA, file a complaint with the Consumer Protection Financial Bureau (CFPB) or the BBB.

Keep a record of all contact with RTR, including notes you take during any conversation, and keep a copy of all written correspondence.

Responding to a Real Time Resolutions debt lawsuit

Whether you were served with a formal Summons and Complaint to appear, you need to file an Answer as soon as possible, usually within 14-35 days, depending on the state where the suit was filed. Filing an Answer keeps the debt collection agency from winning a Default Judgment against you.

When filing your Answer, you can respond in one of three ways. Deny as many allegations as possible as this forces RTR to prove the accuracy of the allegations.

  1. Admit–you can admit that the statement is true.
  2. Deny–you can deny that the statement is true.
  3. Deny due to lack of knowledge–use this when they do not provide enough information for you to ascertain whether or not the allegation is true.

Most attorneys suggest that you deny as many claims as possible. This forces Real Time Resolutions to prove their claims are valid, and if they don’t have enough evidence and documentation to do so, they might just give up on the case.

The Answer should also assert any affirmative defenses you plan to use. Common affirmative defenses include the following:

  • The debt has exceeded the statute of limitations. (Do not make a payment on a debt that has exceeded or is approaching that statute of limitations, as this restarts the clock).
  • The debt does not belong to you. Remember, it is RTR’s responsibility to prove the debt belongs to you.
  • The debt has already been paid.
  • You were the victim of identity theft, and this debt is a result of that crime.

Now, let's take a look at an example.

Example: Lucas is being sued by Real Time Resolutions in Texas for an old credit card debt. He uses SoloSuit to respond to the case and denies all the allegations against him. He also uses the expired statute of limitations as one of his affirmative defenses, as the statute of limitations on debt is only four years in Texas. Real Time Resolutions realizes they don't have a strong case, and they move to dismiss the lawsuit voluntarily.


It can be scary to face a lawsuit, but you have options. Affirmative defenses can result in RTR being forced to drop its lawsuit against you, or the judge can kick the case out of court. In addition to filing your Answer for you, SoloSuit can also help you force the lawsuit out of court by filing a Motion to Compel Arbitration.

Dealing with Real Time Resolutions can be unpleasant, but it helps to know that you have options when they contact you. If you’ve been contacted by RTR, or they have filed a lawsuit against you, SoloSuit can help.

Check out the video below to learn more about how to respond to a debt collection lawsuit:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


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