You after beating Receivables Performance Management ^^
Summary: Is Receivables Performance Management suing you for a debt? SoloSuit can help you take a stand and win in court.
Do you cringe every time you hear the phone ring? It might have something to do with the repeated, unwanted calls you've been receiving from Receivables Performance Management. In their messages, they claim to be a debt collector, but you're wary of scams. What should you do?
This article will walk you through the “do's” and “don'ts” of handling Receivables Performance Management so that you can resolve the issue and eliminate your stress. But first, let's learn a little more about who RPM really is.
Who is Receivables Performance Management?
Receivables Performance Managements is a one of the nation's leading debt collection agencies. RPM specializes in collections connected to the following industries: credit cards, auto finance, telecommunications, healthcare, and more. The Better Business Bureau rates RPM with a 1 out of 5 stars, and there are hundreds of complaints listed against the company on its BBB profile.
You can contact Receivables Performance Managements by using one of the following methods:
Mailing Address: Receivables Performance Management 20818 44th Ave W., Suite 140 Lynnwood, WA 98036
What to avoid when Receivables Performance Management contacts you
Now, let's jump into the don'ts of dealing with Receivables Performance Management. Here are some tips about what you should avoid doing when contacted by debt collectors like Receivables Performance Management:
Debt collectors often use fear and high-pressure tactics to get you to bend to their demands immediately. Some collectors will emphasize the severe consequences that can occur if you don't comply. Stay calm, and don't let your fear do the talking.
Don't admit fault
Never admit to the debt, even if you know that it's legitimate. Don't deny it, but simply avoid taking responsibility. Doing so can waive your rights to negotiate or fight the debt with the creditor later on.
Don't give away personal information
Never give away personal or financial information to a debt collector. A good debt collector should already have everything they need to pursue you and collect a debt. Scam artists, on the other hand, can masquerade as debt collectors to obtain your personal information.
What to do when contacted by Receivables Performance Management
The “don'ts” listed above can protect you when facing a debt collector, but you'll also need to know how to proceed. Here's what you should do when handling Receivables Performance Management:
Report illegal behavior
Did you know that debt collectors must adhere to regulations set by the FTC and the Consumer Financial Protection Board (CFPB)? You can report debt collectors to the FTC or the CFPB if they engage in any of the following behavior:
Calling before 8:00 a.m. or after 9:00 p.m.
Threatening you with violence or arrest
Calling multiple times in the same day
Speaking with your family, friends, or coworkers about your debt
Lying or misrepresenting the debt
Ignoring requests for debt validation
Contacting you about a debt that you don't owe
Impersonating a lawyer
Contacting you after you send a cease-and-desist letter
If you believe Receivables Performance Management has used any of these tactics to get you to pay a debt, file a complaint with the FTC through their online platform, or call 877-382-4357. Or, you can submit a complaint through the CFPB website or by calling 855-411-2372.
Ask clarifying questions
During the initial call, try to ask more questions than you answer. For example, use the initial conversation to gather data such as:
The name of the debt collector
The contracting company's complete information
The contact info for Receivables Performance Management
Details about the debt
Take detailed notes during the conversation, and make sure you record the date of the phone call. This way, you'll have an easier time following up with the collector in the future.
Send a Debt Validation Letter
The best way to get information about your debt is to physically mail a Debt Validation Letter to Receivables Performance Management. In return, they'll provide a written document outlining:
The original debt
The amount you've paid
The remaining balance
They'll also record the information of the original creditor. You'll have 30 days to dispute the debt or to ask for any additional information about the creditor. To learn more about how a Debt Validation Letter can help you get Receivables Performance Management off your back, check out this video:
What if Receivables Performance Management takes me to court?
Lawsuits can be stressful, but you can actually represent yourself if you know what you're doing. SoloSuit can guide you through the process of preparing an Answer, vastly improving your chances in court.
But don't ignore your court date. If you don't physically appear in court, you'll automatically lose, and Receivables Performance Management can collect the full, original debt by garnishing your wages.
So, the first step to beating Receivables Performance Management in court is to file your written Answer to the lawsuit with the court. Here are 6 helpful tips to consider when drafting your Answer:
Don't worry about giving your side of the story in detail at this point. It's not up to you to prove anything at this stage of the case. Let Receivables Performance Management do the proving, because giving too much details can actually end up weakening your case.
Deny each allegation, or claim, that is listed in the Complaint. Attorneys generally advise people to deny as many claims as they can.
Include a section for your affirmative defenses. There are the legal reasons that Receivables Performance Management's case is invalid.
Use standard formatting, font, and style. Make sure to include a caption at the top of your Answer where you list the court and party information, as well as the case number.
Add a certificate of service at the bottom of your Answer document that certifies you sent a copy of it to the party suing you.
Don't forget to sign your Answer! The court will reject any legal documents that lack proper signatures.
SoloSuit can help you draft an Answer that incorporates each of these tips in less than 15 minutes. You can learn more about these 6 tips from the video below:
Get help fast with SoloSuit
If you've been slapped with a lawsuit, you only have 14 to 30 days to respond before you lose by default. That's why SoloSuit offers tools to help you create an Answer and help you navigate the high-stress world of debt collection. Create an account today, and use our online resources to respond to your debt lawsuit.
What is SoloSuit?
SoloSuit makes it easy to respond to a debt collection lawsuit.
How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.
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
It only takes 15 minutes. And 50% of our customers' cases have been dismissed in the past.
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