Is RMP service legit? RMP Services is a company name of Receivables Management Partners, a debt collection agency based in Indianapolis, IN that performs collections across a variety of industries.
Prior to September 1, 2020, the company was called PMAB, LLC.
Receivables Management Partners is a subsidiary of Meduit Group, LLC, a company that provides debt collection services to companies and institutions in the healthcare sector.
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Other Ways RMP Services May Show Up on Your Credit Report
Depending on the state you live in, accounts receivable management partners may appear on your credit report under one of the following names:
- RPM
- RMP, LLC
- RPM services
- RMP Services, LLC
- RMP Services is called PMAB, Inc.
In July 2022, accounts receivable stopped reporting accounts to credit bureaus under the name PMAB, so you should no longer see PMAB on your credit reports.
An old PMAB, LLC collection account may show up as an error on your credit report, but this is something you should discuss with the credit bureaus (TransUnion, Equifax, and/or Experian). You can dispute old collection accounts that way and remove them from your credit report.
What does RMP Services charge for?
Is RMP service legit? RMP collects medical debt and works for approximately 200 hospitals and 30,000 physicians in the US.
They also raise money for the following accounts:
- Overpaid employees
- Personal Injury Claims
- Costs for primary and secondary education
If you see RMP Services on your credit report, you most likely have an overdue medical bill that they are trying to collect (or at least think you do).
Is RMP service legit?
Is RMP service legit? Yes, RMP Services is not a scam. They are a legitimate collection agency with Better Business Bureau (BBB) accreditation.
However, like any other collection agency, they can still behave unethically.
In addition, scammers can pose as representatives of accounts receivable management partners to try to collect money from you. Therefore, you should always check the validity of any debt you contact before making a payment. You can do this by contacting RMP Services directly via their online form or the contact details below.
How do you know if a collection message from RMP Services is a scam?
If a debt collection agency calls you, you should receive written confirmation immediately afterwards. If you don’t, it could be a scam. Be especially wary of anyone asking you to pay a debt you don’t recognize (or believe you have already paid), and ask questions during the conversation to verify your ties to RMP Services.
RMP services can still behave unethically
Is RMP service legit? No, while RMP Services is not a scam, they may still do something that violates your rights under the Fair Debt Collection Practices Act (FDCPA). Your rights (and how to enforce them) are described later in this article.
VIDEO: RMP Services in 2 Minutes: Recover Your Credit Report and Know Your Rights
Medical collections versus non-medical collections
RMP services often handle medical bills. Medical and non-medical collections have some key differences in the way collection agencies, credit bureaus, and key scoring models handle debt.
If you see medical debt on your credit report, there are some implications to consider:
Your debt is several months old:
Medical institutions typically wait 60-120 days before selling your debt to collection agencies.
After that, the credit bureaus will wait another 180 days before adding the collection bill to your report, giving you time to make arrangements with your insurance company or set up a payment plan.
RMP Services Probably Owns Your Debt:
Medical institutions typically don’t report to credit bureaus. For this reason, the fact that your debt is on your credit report indicates that it was sold to a company that does report to the credit bureaus.
Medical bills aren’t that bad for your credit:
While medical bills affect your credit score if sent to collections, medical bills don’t hurt your credit score as much as non-medical collections.
Why is RMP Services calling me?
The reason collection agencies call you is that they think you have an outstanding debt. When RMP Services calls, ask them to send a written notice of the debt they are collecting, called a debt validation letter, if they have not already done so.
In accordance with the FDCPA, all collection agencies must send this letter within 5 days of first contacting you.
It must contain the following information:
- Your name
- The amount you owe
- A statement notifying you of your right to dispute the debt within 30 days of receipt of your letter.
- A statement stating that if you dispute the debt in writing, proof of debt must be sent to you within 30 days.
- A statement that you can send them a written request within 30 days of receiving the letter to provide the name and address of the lender or healthcare provider who sold you the debt.
RMP Services representatives will continue to contact you unless you pay the debt or reach an agreement with them.
However, there are restrictions on how they can contact you.
Restrictions on RMP services
The FDCPA protects you from harassment by collection agencies by making it illegal for collection agencies to do any of the following:
Call you several times a day
Call you at night (before 8 am or after 9 pm, your schedule)
Call you at work if you say you can’t call at work
Make robocalls or send pre-recorded messages telling you to pay
Contact a third party, including your family, friends or colleagues, to discuss your debt
Intimidate or threaten to harm you, sue, arrest or damage your credit rating
You lie about your debt and try to collect more than you owe
Accusing you of breaking the law or claiming that nonpayment could lead to jail time (you can’t go to jail for an unpaid debt unless you owe the IRS money for intentionally committing tax fraud)
It is a good idea to familiarize yourself with your rights by reading the FDCPA and the Phone User Protection Act.
Keep a record of letters and phone calls.
If you believe that RMP services are infringing on your rights, it is a good idea to record your telephone conversations, save any letters they send you, and keep a record of when you are contacted. This makes it a lot easier if you need to take legal action against them in the future.
Can I sue RMP Services for harassment?
Yes, you can sue RMP Services for harassment. If you can show that the collection company has violated your rights under the FDCPA, you can collect $1,000 in legal damages for each violation, as well as payment for any damages you may have suffered as a result of your violation.
RMP Services will also have to pay your attorney fees and court costs.
File a complaint against RMP services
If RMP Services has violated your rights under the FDCPA or has done something illegal, you can report it to the Federal Trade Commission, the Consumer Financial Protection Bureau or your prosecutor. From there, you can see if you can sue RMP Services as well.
Another option is to file a complaint on the Better Business Bureau (BBB) website, but this may not have the desired result. Keep in mind that the BBB is actually a private organization that is not affiliated with the US government. They will forward your complaint to RMP Services, but there is no guarantee that the agency will handle your complaint satisfactorily. If your dispute is sent to an arbitrator, you may also waive your right to sue RMP Services.
How To Remove RMP Services From Your Credit Report
Don’t worry if your credit score takes a hit as a result of debt from RMP Services. You can remove medical expenses from your credit report by following these steps:
- Tell RMP Services to stop calling you
- Ask your insurance company to cover your debt
- Send a debt verification letter
- Submit a letter of credit dispute
- Request for removal of goodwill
- Negotiating “pay-per-deletion”
- Negotiating a debt settlement
- Get help from a credit expert
Everyone must follow the first three steps. The following are situational and you should follow the ones that are right for your circumstances.
1. Before you do anything else, ask RMP Services to stop calling you
It is important to keep all your communications with RMP Services on paper, so make sure to communicate with them in writing only. Be sure to date and send your letters by certified mail. If you’re not sure where to start, check out the sample letters from the CFPB.
If you ask RMP Services not to contact you at all, they are required by law to do so.
However, ignoring collection agencies can have negative consequences: they could end up suing you and even garnishing your wages. It’s smarter to be tactical with them to make sure you don’t have to pay or get the best deal possible.
2. If you have a medical debt: ask your insurance company to cover it
Effective July 1, 2022, paid medical bills will be removed from consumer credit reports. If you can get your health insurance company to pay the debt that RMP Services is trying to collect, it will be removed immediately and will no longer affect your credit score.
This also happens if you pay your debt yourself. It will cost you, of course, so if your insurance won’t cover the debt, you’ll probably have to hold off on paying until you’ve explored some of the other options below.
3. If that doesn’t work, send a debt verification letter
Sending a debt verification letter asking the collection agency to provide proof of your debt is one of the quickest and easiest ways to get rid of a debt item in your credit history. It is also an easy way to find out if the collection agency is a scam.
When you submit a debt verification letter, third-party collectors such as RMP Services are required by law to prove that you have an outstanding debt. If they can’t, they have no choice but to remove it from their records.
Once RMP Services has received your debt verification letter, they are also required by law not to contact you regarding your debt until they have sent you proof that you actually owe it.
Debt collection agencies sometimes have insufficient proof of whether you owe the stated amount. If RMP Services is unable to verify your debt (or if you discover that the debt is more than a few years old), continue to the next step.
On the other hand, if it turns out that your debt is legitimate and recent, then proceed with one of the steps below depending on your circumstances.
Do not confuse debt validation with debt verification
Although the terms are very similar, they are two different things. The Debt Confirmation Letter is the first written communication RMP Services is required by law to send to you. You can then respond with a debt verification letter, in which they must prove your debt.
If the Debt is Old or Void: Submit a Credit Dispute Letter to all three credit bureaus
You can write a credit dispute letter to Experian, Equifax, or TransUnion to remove the collection account from your credit report if the debt is incorrect or exceeds the 7-year credit report limit.
Letter of credit to a credit bureau
Use this credit dispute letter template to file a dispute directly with one of the credit bureaus. Errors in your personal information (eg an incorrect address), as well as credit accounts that you do not recognize, usually have to be disputed with the agencies. They are often the result of the office mistaking you for someone else.
When you dispute the item on your credit report, you must submit all supporting documentation that you have on hand. Credit bureaus have 30 days to respond to your dispute. If they don’t, they are legally obliged to remove the debt.
If your debt is void or time-barred (meaning it has passed the statute of limitations of the debt in your country), you can also send RMP Services a letter asking them to stop contacting you. However, this will not affect the status of your debt, so it is not a good idea if your debt is still outstanding.
How do you know if your debt has exceeded the statute of limitations?
The statute of limitations on most debts is 3-6 years, but it depends on a number of factors, including your state of residence. The best approach is to consult your prosecutor’s website and email their office if the information you are seeking is not available online.
If you have already paid the debt: Apply for goodwill deregistration
A paid collections account can be removed from your credit report by requesting something called a goodwill removal or goodwill adjustment.
To do this, send a letter of goodwill to RMP Services explaining the circumstances that led to your delinquency. This is usually only an option if you have already paid off the debt in full.
You will want to attach any supporting documents or documentation you have, including:
- An explanation of why you haven’t paid your bill
- Data showing that you regularly pay your debts
Examples of how the negative brand affects your life, such as making it difficult for you to get a mortgage
You can also call RMP services by phone, although there is a chance that the person you end up speaking to may not have the authority to make changes to your records.
It’s important to note that submitting a goodwill letter goes a long way, and the company you’re speaking with is under no obligation to change your report. It won’t cost you anything though, so there’s no reason not to try it.
If the Debt Is Recent and Unpaid: Negotiate “Payment to Clear”
If you still owe the debt and it’s too early to remove it from your credit report, you probably need to pay it off. However, you may be able to convince RMP Services to remove your debt certificate after you pay it by submitting a removal request.
A forgiveness request differs from a goodwill letter in that it applies to debts that you have not yet paid. It’s a negotiation where you agree to pay off your debt, and in return, RMP Services promises to remove the negative mark on your credit report associated with it.
The first step is to use a removal payment letter template to compose and send your letter to RMP Services. It is very important to get written confirmation that the charge will be removed from your credit report once you have paid the full amount.
Once you have received written confirmation from RMP Services and paid your debt, you should review your credit reports to ensure compliance. If the collections account is still on your credit report in a few months, contact them and use the letter they sent you to remind them of their obligation.
· When the Debt Is Old and Unpaid: Negotiate a Debt Settlement
If your debt is quite old, there is a chance that RMP Services will accept less than the full amount you owe (a practice known as debt settlement) to minimize your losses. The reason for this is simple: they know older debts are harder to collect.
According to a report published in 2021 by the Congressional Research Service, “collection agencies generally expect only a fraction of the face value of a given debt, knowing that some consumers will never pay their debts in full.”
RMP Services almost certainly bought your debt for only a small fraction of what you originally owed, meaning they will make a profit even with a debt settlement.
Before attempting to settle medical claims, carefully review your financial situation and come up with a realistic offer. If you want, you can negotiate through a debt brokerage firm, but beware of scammers and avoid companies that charge you large amounts upfront.
You can also speak to someone from RMP Services by telephone. However, be sure to get the agreement in writing before making any payments.
Keep in mind that debt settlements will still hurt your credit score and, like most other negative numbers, will remain on your credit report for up to seven years.
That said, lenders will likely rate a debt paid off more favourably than a collection.
If you’re feeling overwhelmed, get help from a credit repair company
If you believe you are being overburdened, seek professional help from a credit recovery expert to remove RMP Services collection items from your credit report. This can save you time and help you avoid the frustration of trying to remove negative points yourself.
Ultimately, most collection accounts remain on your credit report for 7 years after your first payment arrears. Even if you pay your debt to RMP Services, it will likely remain on your credit report unless you can convince the collection agency to remove it.
Frequently Asked Questions
Who is RMP Services LLC?
RMP Services, LLC, aka Receivables Management Partners, LLC, aka RMP, LLC is a debt collection agency headquartered in Greensburg, Indiana. They provide approximately 200 hospitals and more than 30,000 physicians in the US with healthcare-focused revenue cycle management services.
How do I contact RMP?
Please contact the RMP Reporting Center (RMMPRC@epacdx.net) or at (703) 227-7650 for any questions regarding the RMP*eSubmit reporting software.
What is an RMP account?
RMP Services is a collection agency that reports a collection account on your credit report. In some cases, this means that they have purchased the debt from the original creditor (i.e., a credit card or loan company). Usually, this means they paid pennies on the dollar, sometimes 1/10 of the original cost, to buy this debt
Conclusion – Is RMP Service Legit?
Is RMP service legit? Yes, RMP Services is a medical collection agency, which means that they buy up debts that have been paid off by medical institutions.
RMP Services is not a scam, but you should make sure to avoid scammers by verifying your debts and only making payments if you are sure they are legit.