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Respond to A Rocket Receivables Collector

Dena Standley | October 27, 2023

Dena Standley
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

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.

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.

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What is Rocket Receivables, and how does it work?

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:

  • Banks
  • Cities/Municipalities
  • Contractors
  • Credit Unions
  • Education
  • Insurance Agencies
  • Healthcare Providers
  • 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:

  1. The debt amount;
  2. The name of the original creditor;
  3. 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;
  4. 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
  5. 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:

  • The debt surpassed the state's timeline for being sued
  • The debt amount is inaccurate
  • You paid the debt, or it was canceled
  • You are a victim of identity theft
  • 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.

SoloSuit can file your Answer for you in any state.

Negotiate debt settlement with Rocket Receivables

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.

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.

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

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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