How to Beat RMP Services

Dena Standley | October 19, 2022

Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Beating RMP Services feels like this ^^

Summary: Is RMP Services suing you for a debt? SoloSuit can help you take a stand and win in court.

Is RMP Services giving you sleepless nights? Have they called or emailed you several times and ignored your request to stop contacting you? That is because RMP Services is a collection agency permitted by law to pursue a legitimate debt. However, the Fair Debt Collection Practices Act (FDCPA) prohibits them from harassing or threatening you.

Consumers should not have to endure mistreatment from RMP Services debt collectors. The Fair Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) protect you from bad business practices and fraud carried out by collection agencies. You can beat RMP Services whether you have a genuine debt or not.

To guide you as you plan to handle RMP Services, we will give you more information about them, tell you how to respond when they contact you, and explain how to respond if they sue you.

Let's get right into it.

RMP Services is a legit company that has received many complaints

RMP, which stands for Receivable Management Partners, LLC, is a privately held legitimate debt collection agency located in Greensburg, Indiana. It has six other offices in Chicago, Indianapolis, Lansing, Zeeland, Reading, and Waco. They provide health-focused revenue cycle management services to over 30,000 physicians and 200 hospitals.

RMP Services is a Better Business Bureau accredited with an A+ rating. They have a star rating of 1.04 from 56 consumer complaints. In addition, Google gives them a 1.4 rating from 46 customer reviews. As of 2022, RMP Services has received 140 complaints in a three-year period on its BBB profile. Even worse, the Consumer Financial Protection Bureau reported 1,200 complaints against RMP Services in the last ten years. Some complaints include being harassed for a paid debt, failing to remove a debt from the credit report, and receiving multiple calls daily.

Let's take a look at a real example.

“Receivables Management Partners, LLC is violating my federally protected consumer right by reporting an account on my report when I have never done business with them and have no contract with. Pursuant to 15 USC 1692d1 a debt collector can not use or [threaten to] use of violence or other criminal means to harm the physical person, reputation, or property of any person. Them reporting on my consumer report is causing harm to my reputation. This account is a defamation of character and fraud as I have never done business with Receivables Management Partners, LLC. I am not liable for this debt with INDEPENDENT EMERGENCY PHYSICIAN and do not have a contract with Receivables Management Partners, LLC. They do not provide me with the original application like I asked.”

Report RMP Services for the above violation to your attorney general's office or submit a complaint on the CFPB and BBB websites. RMP's contact information is:

Address: 8155 Executive Ct, Lansing, MI 48917, United States

Phone Number: +18005411370

Website: http://www.receivemorermp.com/

Email: sales@ReceiveMoreRMP.com

How to respond to RMP Services the next time they contact you

Collection agencies are relentless in collecting money for their clients. RMP Services is no exception. They claim to have collected over $1billion for their clients in the last five years. You can expact to hear from them again unless you do the following:

Request everything in writing.
Send a cease and desist letter.
Ask RMP Services to validate the debt.
Dispute the debt.
Negotiate a payment plan.

Now, let's take a closer look at each of these options.

Request RMP Services to do everything in writing

Tell RMP Services to conduct all communications in writing. They should either send the details via US certified mail or email. This mode of communication will help you keep track of the process and limit their opportunities to violate the law. It will also safeguard your chances of winning if the issue proceeds to court.

Send a cease and desist letter

If you have told RMP Services to stop calling multiple times, you can finally send a cease and desist letter that asks them to stop contacting you, or they will be violating your rights. As you take this action, consider addressing the debt by confirming it is yours and making plans to pay. RMP Services may respond by suing you if you send the letter and ignore the debt.

Ask RMP Services to validate the debt

Within 30 days of RMP Services' initial contact, send a Debt Validation Letter requesting RMP Services to verify that the debt belongs to you. The letter asks for more information about the debt in question. It also requires them to include the original creditor's details and add a statement saying you can dispute the debt if you still believe it is inaccurate. If RMP Services cannot validate the debt, they must stop contacting you about it. The video below gives you a two-step process of making a debt validation letter.

Dispute the debt if you doubt its accuracy

Dispute the debt with the credit bureaus if it is not familiar or you believe the figures are incorrect. The first step is to request your credit report from TransUnion, Experian, and Equifax. Next, highlight the errors on the report and send it with the dispute letter attached. The credit bureaus will investigate and make the necessary changes to your report within 30 days. They may even remove it entirely if the evidence is compelling.

Negotiate and make plans to pay the debt

Never admit to a debt until you receive all the information a debt collection agency has on it. Once you have the crucial details from RMP Services via writing or in a validation notice, confirm the debt is familiar and the details are accurate. If everything is legitimate, plan to negotiate for a lower amount than the original debt. Make sure you make the final agreement on what you will pay in writing.

Disputing a debt you know is genuinely yours rarely goes in your favor. You may rub RMP Services the wrong way, and they may not be willing to negotiate. They may even sue you for making them go to all the trouble and knowing the debt is yours.

How to respond to a lawsuit from RMP Services

Consumers who ignore RMP Services' attempts to collect or fail to make plans to pay a genuine debt may find themselves with a lawsuit. If you are in this situation, you still have a chance of beating them in court.

The first step to beating RMP Services is to respond to the lawsuit with a written Answer. You have 14-35 days to submit your Answer, depending on which state you live in. If you don't respond in time, RMP Services will request a default judgment which gives them the right to garnish your wages, freeze your bank account, and even seize your property.

Follow these six tips to draft an Answer to a debt lawsuit against RMP Services:

The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing RMP Services to do more work to prove their side of the case.
Include affirmative defenses. These are any legal reasons that RMP Services should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
Include a certificate of service. It's important to serve your Answer to RMP Services. At the end of your Answer document, include a certificate of service when you verify the address you used to serve RMP Services the Answer.
Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

SoloSuit can help you draft and file an Answer in all 50 states.

Learn more about these six tips 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

"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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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate