Start My Answer

How to Respond to a Superlative RM Debt Collector

Sarah Edwards | November 07, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Superlative RM is a debt collection service that represents multiple industries. If you’ve been notified of a debt collection lawsuit, use SoloSuit to draft a swift Answer and file it with the court. Then, verify that the debt is yours, and use SoloSettle to resolve your debt for a lower amount.

Debt collection phone calls from companies like Superlative RM can be annoying — but don’t ignore them. Even if you don’t believe the debt is legitimate, the collector sure does. If you don’t act, you could soon face a debt collection lawsuit. Here’s how to verify that your debt is yours, then resolve your debt quickly.

What is Superlative RM?

Superlative RM is a debt collection company based out of Elk Grove, California. Who does Superlative RM collect for? Just about everybody, according to the company website.

Superlative RM collects for businesses of many sizes across a range of industries, including small businesses as well as major corporations, financial institutions, and healthcare providers.

Is Superlative RM legit?

Is Superlative RM a scam? No. Superlative RM is a legitimate business founded by a veteran of the U.S. Marine Corps. That said, the company has 53 complaints cataloged with the Better Business Bureau as of November 2023 and 28 complaints listed with the Consumer Financial Protection Bureau (CFPB).

Similarly, Superlative RM’s Google Reviews rating is a 3.2 out of 5 stars:

Many consumer complaints allege that Superlative RM debt collectors have contacted the consumer about illegitimate debt. Other complaints allege that Superlative RM contacted the consumer’s friends or family in an effort to collect on debt.

If this sounds familiar, make sure to document incidents where the company spoke about your debt to a third party or failed to verify your debt.

How to contact Superlative RM

You may contact Superlative RM by phone at 888-441-4544 or by email at Should you need to contact the company by mail, you can send documents to P.O. Box 967, Elk Grove, CA 95759-0967.

The following photograph is the Superlative RM office building in Phoenix, AZ:

Other FAQs about Superlative RM

The following video, released by Superlative RM, addresses other frequently asked questions about the company and its practices.

Has Superlative RM violated your rights?

Superlative RM debt collectors are subject to the requirements of the federal Fair Debt Collection Practices Act (FDCPA). This act prevents debt collectors from such activities as:

  • Failing to identify themselves as a debt collector.
  • Contacting you multiple times per day.
  • Telling your friends, family members, or coworkers about your debt.
  • Calling you prior to 8 a.m. or after 9 p.m.
  • Threatening you with arrest or imprisonment for unpaid debt.
  • Using vulgar or offensive language.
  • Contacting you after receiving a Cease and Desist Letter.
  • Refusing to validate your debt.

Make sure to document any violations and report the company to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You can also report them through the CFPB’s website or by calling 855-411-2372.

File an Answer to a debt lawsuit

Failing to pay your debt may cause the creditor represented by Superlative RM to take legal action. If you’ve been summoned for a debt collection hearing, you’ll have to quickly draft and file your Answer with the court. Your Answer indicates your willingness to fight the lawsuit and make your creditor prove that you owe the debt.

You’ll need to act quickly, as some jurisdictions give you just two weeks to file an Answer. If you miss the deadline, the court can render a default verdict for the full amount of the original debt and may also award the creditor with legal or debt collection fees. A default judgment will also mean that you’re unable to negotiate a lower settlement amount.

Act fast and use SoloSuit to draft your Answer today.

Make sure the debt is yours

How do you know the debt is really yours? Send Superlative RM a Debt Validation Letter. This document should ask for such information as:

  • The identity of your original creditor.
  • The amount of your original debt.
  • The dates of any payments.
  • The amount of debt still remaining.
  • Evidence that conclusively ties you to the debt.

In some cases, requesting that the debt collector provide you with proof of your debt can be enough to get them to back off. And if Superlative RM services can’t prove that you owe the debt, you stand a stronger chance of winning in court.

Have additional questions about validating your debt? Watch this short video:

Settle your debt with Superlative RM for less

Most of the time, debt collectors are willing to accept a lower settlement amount rather than proceed through a legal process. SoloSettle helps you negotiate with Superlative RM, and by using this platform, you never have to deal directly with the debt collector.

Start by agreeing to pay 60% of the original amount. Superlative RM may reject this offer, but you’ll have the opportunity to consider the company’s counteroffer. SoloSettle can facilitate the back-and-forth until you arrive at a mutually agreeable solution.

Let’s look at an example.

Example: Edward had been dodging phone calls from Superlative RM for weeks. He assumed that the debt wasn’t his, so he had nothing to worry about. That strategy failed when he received notice of a debt collection lawsuit. By using SoloSuit, Edward was able to draft and file an Answer far more quickly than he ever anticipated. That gave him time to verify his debt with Superlative RM. Turns out, the company was collecting on a medical bill that had been long forgotten. So Edward came back to SoloSuit, using SoloSettle to open a negotiation process with Superlative RM. He loved the way he didn’t have to deal directly with the company. His initial offer to pay 60% of the bill was rejected, but Edward gratefully accepted the counteroffer of 63%.

Avoid debt collectors by negotiating using SoloSettle.

Always settle for less

Don’t let debt collectors get the best of you. Fight for your rights as a consumer, then make sure that the debt is truly yours before agreeing to pay a dime. And by using SoloSettle, you can resolve your debt once and for all, allowing you to start rebuilding your credit.

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

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.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Check the status of your court case

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.

How to stop wage garnishment in your state

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.

How to settle a debt in your state

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.

How to settle with every debt collector

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.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

Guides on arbitration

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.

Stop calls from debt collectors

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.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources

Not sued yet?

Use our Debt Validation Letter.

Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.

Let's Do It

It only takes 15 minutes.

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

Get Started