Summary: The best way to respond to a Rocket Receivables debt collector is to ask them to validate your debt. If your debt is valid and they sue, it's important to respond to the lawsuit. You might even consider debt settlement to resolve the matter. SoloSuit can help you with all these actions and more.
“That's it! I must stop these calls.” Is this statement familiar to you? You may have said it because of the countless calls Rocket Receivables debt collectors have made to your personal and home phone number. Like all collection agencies, Rocket Receivables hopes to annoy and stress you with the many calls until you find a way of paying the debt.
Even more annoying would be if you do not owe the debt and they keep contacting you. Fortunately, you can do something to:
Stop Rocket Receivables phone calls.
Respond to a debt lawsuit.
Force a lawsuit out of court.
Settle the debt for good.
SoloSuit can help you with all these options. Keep reading to learn more.
Rocket Receivable (RR) is a legitimate debt collection agency in Delaware that collects debt for small and medium-sized companies. On its website, the agency boasts of having helped over 60,000 clients collect approximately $6 billion in debt using Transworld System Inc (TSI).
TSI technology helps creditors collect debts from consumers in two stages, and both the debtor and creditor have access to the system, ensuring the debt updates are accurate. Rocket Receivables clients cover various industries, including:
Home Protection Services
Once your creditor enrolls with RR, collectors will contact you to pay the debt and use all means possible to force you to pay, including calling you multiple times a day, sending letters, and even contacting you on social media.
To stop debt collector communications, send a Debt Validation Letter that requires them to cease all communications until they give you a written notice breakdown of the debt. Learn how to make this document below.
Rocket Receivables reviews
As of May 2023, Rocket Receivables is not accredited by the Better Business Bureau and therefore has no BBB rating. However, Rocket Receivables TrustPilot reviews average at 2.5 out of 5 stars.
Exercise your rights when Rocket Receivables contacts you
The Fair Debt Collection Practices Act protects you from RR's bad business practices. These laws state how, when, and for how long a creditor or debt collection agency can follow you up on debt. According to the Act, Rocket Receivables should not:
Call you several times a day for the same debt
Use profane or abusive language
Threaten you with arrest or harming your property
Exaggerate the debt amount by adding other charges not on the contract
Telling your friends, neighbors, and family members about your debt
Refusing to respond to a Debt Validation Letter
Contact your attorney general's office, CFPB, and Fair Trade Commission to report any violation. Notably, one of the most powerful rights you are granted under the FDCPA is the right to request a debt validation when you are contacted by a debt. Let’s take a look at how to make Rocket Receivables validate your debt.
Send a Debt Validation Letter to Rocket Receivables
When Rocket Receivables debt collectors contact you about a supposed debt you owe, one of the best ways to stop them in their tracks is to ask them to validate the debt. You can do this by sending a Debt Validation Letter.
According to § 809 of the FDCPA, debt collectors must send proof of the following information within five days of contacting a consumer about a debt:
The debt amount;
The name of the original creditor;
A statement declaring that if the consumer does not challenge the legitimacy of the debt, or any part of it, within thirty days from receiving this notification, the debt collector will consider the debt as valid;
A declaration that if the consumer informs the debt collector in writing during the thirty-day timeframe that they dispute the debt, or any part of it, the debt collector will verify the debt or a judgment against the consumer and send a copy of this verification or judgment to the consumer; and
A statement declaring that if the consumer requests in writing within the thirty-day span, the debt collector will furnish the consumer with the name and address of the initial creditor, should it differ from the present creditor.
If you suspect that any information surrounding the debt is inaccurate or invalid, you have the right to dispute the debt. You can do so by sending a Debt Validation Letter within 30 days of the collector’s initial contact.
After receiving a Debt Validation Letter, Rocket Receivables collectors must stop contacting you until they obtain and send an official verification of the debt or a copy of a judgment, the name and address of the original creditor, or name and address of the original creditor.
Many debt collectors struggle to validate a debt because they don’t have the proper documentation or evidence that the debt is real. This is what makes a Debt Validation Letter such a powerful tool. If Rocket Receivables does validate your debt, you still have options. You can fight a lawsuit in court or settle the debt before your trial.
Steps to respond to a Rocket Receivables lawsuit
Unfortunately, the law allows Rocket Receivables to file a lawsuit against you if you fail to pay a valid debt. Do not despair when you receive the lawsuit letter. Instead, take the following steps to beat them even at this stage.
1. Answer each claim listed in the Complaint
In the lawsuit, you'll see a Complaint document listing all RR's allegations against you. The law permits you to respond in three ways:
Admit: This response means you agree with what RR has said about you or the debt in question.
Deny: By using this response, you want RR to prove that what they listed is true.
Deny for lack of knowledge: Using this response means you lack enough knowledge to give an accurate answer.
Do not admit to all allegations, even if they are true. Deny some to give RR the burden of proving their case if you go to court.
2. Assert your affirmative defenses
In this section, you have the opportunity to say why you are not responsible for the debt or why you should not pay it as it is in the lawsuit. Examples of affirmative defenses to use include:
Rocket Receivables hasn't shown legal standing to collect the debt
This process is often complex for some consumers, and SoloSuit removes most of the burden by helping you draft a customized Answer document to your case which helps you work on your affirmative defenses within minutes.
3. File the Answer in court, and send a copy to Rocket Receivables
The last step is to file the Answer document with the court indicated in the lawsuit—before the deadline in your state. After completing the document, make three copies. Send one to the court, mail the second copy to RR lawyers, and keep the last one in your records.
Did you know you can negotiate with Rocket Receivables and get a deal to pay the debt for less than you owe? The condition they may give you is to pay a lump sum and clear the remaining balance within a short period. SoloSuit can help you get a favorable deal by using SoloSettle, powered by SoloSuit, can help you start the negotiation process with Rocket Receivables. The SoloSettle software will monitor the negotiations to ensure you are not scammed while protecting your sensitive information. Start working on your settlement deal with us today.
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.
Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.
Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.
Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.
Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.
Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.
If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.
Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.
Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.
And 50% of our customers' cases have been dismissed in the past.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather