When you beat Receivable Management Partners LLC ^^
Summary: Is RMP LLC suing you for a debt? SoloSuit can help you take a stand and win in court.
If RMP LLC has contacted you about an unpaid debt or you have been served with a debt collection lawsuit by this agency, do not throw your hands up in despair. You have legal rights and protections when being contacted by a debt collector or when being sued for an alleged unpaid debt in court.
Here's everything you need to know about RMP LLC and how to beat them in court.
What is RMP LLC?
Receivables Management Partners, LLC (i.e. RMP LLC) is a debt collection agency based in Greensburg, Indiana. The agency focuses primarily on collecting debts for medical clients. For example, RMP LLC provides debt collection services to roughly 200 hospitals and over 30,000 physicians in the United States.
RMP LLC has received many complaints
If you're feeling frustrated with Receivable Management Partners LLC, you're not alone. As of 2022, RMP LLC has received 140 complaints in a three-year period. Even worse, the Consumer Financial Protection Bureau reported 1,208 complaints against RMP LLC in the last ten years. These complaints mention several types of violations of the FDCPA.
Here's a summary of one complaint against RMP.
One consumer received a notification from RMP LLC that they owed a debt to a healthcare provider, and RMP had taken over the debt. When the consumer called the healthcare provider to confirm the amount, the number was much lower than what RMP LLC was claiming. RMP LLC was trying to get the consumer to pay a higher amount than they owed, and if they hadn't checked the debt amount, they would have ended up putting a lot of money directly into RMP LLC's pocket.
The rules codified in the Fair Debt Collection Practices Act (FDCPA) are designed to help protect you and other consumers from harassment and unethical behavior by debt collectors. If you are being hounded by a debt collector with RMP LLC, there is a good chance they may have violated the FDCPA.
The FDCPA can protect you from RMP LLC
The FDCPA is a federal law establishing what debt collectors can, and cannot, do in their efforts to recover on a debt. For example, the FDCPA states that debt collectors are not allowed to harass debtors or use any unfair means to collect their debt. Unfortunately, many debt collectors are notorious for ignoring the rules and regulations outlined in the FDCPA. This is why you need to gain an understanding of your rights and protections under this federal law.
Making calls to you while at work if your employer does not allow calls during working hours.
Making calls to you at odd hours.
Talking to another person other than your lawyer or spouse about your debt.
Threatening to arrest you if you fail to pay the debt.
Threatening to seize your property if you fail to pay unless they have a warrant.
Using obscene language and threats against you.
Stating a different amount of the debt other than what you owe.
Making any false allegations about the debt.
If RMP LLC violates any of these guidelines, you can use it as evidence in your defense in court within one year. The violation does not count as evidence after one year.
A successful ruling may have you compensated for damages. If there is no proof of damages, you may be awarded up to $1,000 and any court and attorney fees reimbursed.
Many debt collection agencies misrepresent information as a tactic to push the debtors into honoring their debts. Some claims are often made through a phone call.
As a result, it is difficult for a debtor or court to hold debt collectors accountable for undocumented claims. You must request the collection company to make every claim in writing. FDCPA requires that official communication from the debt collectors be done through the U.S mail system.
You have a right to ask RMP LLC to mail you an official communication. If they ignore this request, you may be able to defend yourself in court, citing their lack of response.
The statute of limitations can work in your defense
The statute of limitations is the period within which a creditor can file a lawsuit for defaulted debt payment. When this time elapses, the debt collectors are not allowed to file any lawsuits regarding the debt.
Different states have different statute limitations that differ by type of debt and agreement (whether in writing or verbal).
The statute of limitations period starts to count from the date a debtor defaults payment. If you decide to make a late payment of the debt or pay after pleading guilty in a lawsuit, the statute of limitation period starts over.
The debt becomes time-barred once the statutory period expires. Even though you know that your debt is time-barred and you can prove it, it is still a good idea to reply to a lawsuit from RMP LLC regarding your debt.
You will then use evidence of time-barred debt as your defense. If your debt is deemed as time-barred, you can make one of the following two choices:
Enter a debt settlement agreement with RMP LLCif you wish to be clear of debts.
Pay nothing at all. However, MSC Capital will continue to pursue you for the debt until you stop them by sending them a letter to end the process.
Respond to a debt lawsuit against Receivables Management Partners, LLC
Follow these three steps to respond to a debt lawsuit against RMP LLC:
Respond to each claim listed in the Complaint document. You can admit, deny, or deny due to a lack of knowledge. Most attorneys suggest that you deny as many allegations as possible. This makes RMP LLC work harder because they have to gather all the necessary documentation to prove the debt is actually yours.
Assert your affirmative defenses. These are legal reasons that RMP LLC doesn't have a case against you. A common affirmative defense to raise in a debt collection lawsuit is the statute of limitations. If the debt is past the statute of limitations, then RMP LLC has run out of time to sue you for the debt. If this is true, the case will be dismissed.
File the Answer with the court, and send a copy to RMP LLC. Make sure to file before the deadline, which is 14-35 days, depending on which state you live. Make a copy to send to RMP LLC via USPS-certified mail. You should also request a return receipt so you can prove that you properly sent the Answer to the opposing party.
You can learn more about these three steps in this video:
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
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It only takes 15 minutes. And 50% of our customers' cases have been dismissed in the past.
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