How To Deal With RMP Services

What Is RMP Services?

Receivables Management Partners LLC (also known as RMP Services) is a debt collection agency that specializes in collecting consumer debt for healthcare companies. 

RMP Services is part of Meduit, which calls itself a “revenue cycle management” service. RMP is headquartered in Indianapolis, Indiana, but they also have offices in Chicago, Greensburg, Lansing, Reading, and Waco. 

Here is RMP’s contact information: 

Phone number: (800) 466-1320

Mailing address: PO Box 630844 Cincinnati, OH 45263-0844

Why Is RMP Services Contacting Me?

RMP Services is probably contacting you to try to collect a past-due medical debt. It can be confusing to hear from RMP Services if you weren’t aware that your healthcare provider passed your debt on to a collection agency. This often happens after your healthcare provider has tried to collect on a past-due account for a while. 

If you’re hearing from RMP Services, they probably own your debt now, so you need to work with them instead of the hospital, doctor, or healthcare provider that originally billed you.

Is RMP Services Legit?

Yes, RMP Services is a legitimate debt collection company. However, many consumers have filed complaints against them.

RMP Services currently has a 1.0/5 rating with the Better Business Bureau BBB. Further, the Consumer Financial Protection Bureau (CFPB), has received more than 200 complaints against RMP Services.

Multiple consumers claim that RMP Services has contacted them about debts they don’t actually owe.*

The Fair Debt Collection Practices Act (FDCPA) prohibits third-party debt collectors from trying to collect on debt you don’t owe. Additionally, the FDCPA protects consumers from debt collector harassment and deceit. If you believe a debt collector has violated this federal law, you can report them to the CFPB and possibly even sue for compensation. 

*Disclaimer: These reviews and complaints highlight relevant issues but may not represent all consumers’ experiences.

How Do I Know if I’m Being Scammed?

It’s not always easy to know if a debt collector phone call or letter is legitimate. Scammers commonly use the names of actual collection agencies, such as RMP, to try to trick you. It’s important to know the red flags so you can avoid debt collector scams. 

If anyone asks for your bank account information or Social Security number, be wary! And always ask the debt collector to validate your alleged debt before you pay anything.

You can report scammers to the Federal Trade Commission (FTC), an agency that protects consumers' rights. 

Do I Have To Pay RMP Services?

Maybe, but before you do anything, ask them to validate the debt first (if they haven’t already). Debt collectors sometimes get account information wrong. 

A debt validation notice should tell you:

• Who owns the debt

• How much you owe

• Information about the debt account (to ensure it’s yours)

• That you have the right to dispute the debt   

If the debt collector can’t validate the debt, you shouldn’t have to pay it. 

Step 1: Send a Debt Verification Letter

If you haven’t already received a debt validation letter from RMP Services, you need to request one. You can also send them a debt verification letter to get more information.

Here are the main differences between these two types of letters: 

By law, a debt collection company is supposed to send you a debt validation letter before or within five days of first contacting you. They must also give you a 30-day window to dispute the debt. The collection agency can't continue collection efforts (phone calls, letters, emails, etc.) while the debt is under dispute. 

If they can’t validate the debt within the allotted 30 days, you shouldn't have to pay. If they can validate it, you must decide what to do next.

Step 2: Decide What To Do Next

If the debt is valid, you’ll need to decide what you’d like to do next. The three main options are: 

• Dispute the debt

• Negotiate or settle the debt 

• Ignore the debt (while this is technically an option, this is not recommended) 

Let’s look at each option in more detail.

Option 1: Dispute the Debt

If you disagree with the amount or other details that the debt collector has indicated on your debt validation letter, you have the right to dispute the debt. 

Be aware that if the debt collector has incorrect information, your credit report may contain errors as well. Check your credit report with each of the three major credit bureaus and dispute any errors you see. This is an important credit repair tactic. Check out Upsolve’s guide to disputing credit report errors to learn how.

The Fair Credit Reporting Act (FCRA) guarantees your right to dispute inaccurate information on your credit report. The law also allows you to get a free copy of your credit report from each of the three major credit bureaus at least once a year. The three major credit bureaus are Experian, Equifax, and TransUnion. 

Option 2: Negotiate the Debt and Make a Settlement Offer

If you can’t afford to pay off the debt, but you agree that you owe it, try negotiating down the amount you owe with the debt collector. Many people don’t realize that debt settlement and negotiations are quite common. Debt collectors pay very little to acquire your debt account from the original creditor. This gives them plenty of wiggle room to negotiate the amount with you and still make a profit.

Many debt collectors will settle for 40%–60% of the original amount owed. As with any negotiation, start with a low offer. Then be prepared for a counteroffer. You’ll likely meet somewhere in the middle.

To learn more about how to negotiate a successful settlement, read Upsolve’s Guide to Beating RMP Services.

Can You Negotiate Every Past-Due Debt?

You can’t negotiate every kind of debt, but you can often negotiate the most common types of past-due consumer debt, including credit cards, medical bills, and personal loans. There’s even a system with the IRS to negotiate tax debt.

Mortgages, car loans, and other types of debt secured by collateral aren’t usually negotiable. The lender doesn’t have a reason to negotiate when they can simply take back the property if you don’t pay your loan.

Federal student loans are also a unique type of debt that’s non-negotiable. However, there are many student loan forgiveness options available now.

Option 3: Ignore the Debt (Not Recommended)

While this is technically an option, ignoring the debt is not recommended.

Debt collectors are persistent. Their phone calls and letters can cause a lot of stress, but ignoring their contact won’t make your debt disappear. In fact, it’s likely to make things worse and may cause debt collectors to ramp up their collection efforts with a lawsuit.

What Happens if I Ignore RMP Services?

If you truly owe the debt and you don’t pay RMP services, you’ll probably see your credit score drop. You may also see the debt amount grow if/as interest charges and other fees are added. And worst of all, not addressing the debt can sometimes lead the debt collector to sue you. If they win in court, they can get an order to garnish your wages.

While negative information falls off your credit report after seven years, the debt itself doesn’t disappear. Agencies can continue collection efforts if the statute of limitations hasn’t run out. 

Bottom line: You have more power than you may think! Don’t let RMP Services get the better of you without putting up a fight.

Can RMP Services Sue Me?

Unfortunately, RMP Services can sue you. If they haven’t been able to contact you or otherwise settle the debt, they may file a debt collection lawsuit against you.

Debt collectors consider several factors when deciding whether or not to sue you. They’ll probably look to see if your state’s wage garnishment laws are more favorable to consumers or creditors. They often also look at how long your debt has been in collection and how much you owe.

If you get sued, you’ll receive a summons and complaint. These are the official court documents that kick off a lawsuit. They’ll usually be delivered to you in person or left with an adult at your home. 

Learn more about how to deal with a lawsuit by reading Upsolve’s Guide to Beating RMP Services.

Let’s Summarize…

RMP Services is a legitimate debt collection agency that focuses on medical debt. If they contact you, validate that the debt details before you do anything else. If the debt details are accurate, take action as soon as possible. If you can’t afford to pay the full debt, try to negotiate a settlement with RMP to get the account settled.