RMP Services on Your Credit Report: Your Options Explained

RMP Services, LLC is the consumer-facing name for Receivables Management Partners, a healthcare collection agency that contacts patients under the original provider’s name first, then switches to third-party bad debt collection mode when accounts go delinquent. Many consumers do not realize they are dealing with a collection agency until the second phase begins.

Three federal lawsuits, including a 2026 proposed class action and a 2017 class action over contradictory balance statements, document specific compliance failures worth knowing before you respond to any notice.

This guide covers RMP’s corporate structure, confirmed clients, the lawsuit record, documented complaint patterns, and how to handle the account.

Who Is RMP Services?

RMP Services, LLC is a trade name of Receivables Management Partners, LLC, a healthcare collection agency founded in 1985 and headquartered in Greensburg, Indiana. The company is now part of the Meduit family of companies and operates from seven locations including Indianapolis, Chicago, Lansing, Zeeland, Waco, and Reading.

The BBB assigns an A+ rating despite 258 complaints in the current three-year window and a 1.1 out of 5 customer satisfaction score. RMP also appears on bank statements as “SWP*RMP” and uses short code 36909 for text message contact.

Who Does RMP Collect For?

RMP focuses exclusively on healthcare receivables, serving approximately 200 hospitals and over 30,000 physicians primarily in Indiana, Kentucky, and Ohio.

The agency operates as both a first-party early-out collector under the provider’s own name and as a third-party bad debt collector once accounts are formally delinquent. This dual role means what appears to be a hospital billing communication may actually be a collection contact.

Documented Federal Lawsuits Against RMP

A 2017 class action alleged RMP sent collection letters showing two contradictory debt balances for the same account. Clark v. RMP (2021) alleged FDCPA violations, TCPA violations for automated calls without consent, and Illinois consumer fraud act violations. A 2026 proposed class action alleges defective debt assignments, meaning RMP may be collecting on accounts where the legal transfer of ownership from the original provider was not properly executed.

The defective assignment issue goes to whether RMP has legal standing to collect at all on affected accounts.

Common RMP Complaint Patterns

• Filing lawsuits before sending validation documentation: A BBB complaint documents RMP filing a lawsuit three days before the consumer received proof of debt ownership in the mail.
• Refusing to put payment plans in writing: A documented BBB complaint describes an RMP representative explicitly stating the agency could not confirm payment plan terms in writing.
• Wrong-number automated contact: Multiple consumers report automated calls and texts intended for a previous phone number holder, with RMP refusing removal requests.
• Cursing at consumers during validation requests: A BBB review describes an RMP representative cursing at a consumer who requested a validation letter, then filing suit immediately without time to review documentation.

What RMP Cannot Do Under Federal Law

• File suit before responding to a validation request: Filing three days before delivering proof of ownership may violate FDCPA validation provisions.
• Collect on defectively assigned debts: If the ownership chain from provider to RMP was not properly executed, RMP may lack legal standing to collect.
• Auto-dial cell phones without consent: Clark v. RMP specifically alleged TCPA violations for automated calls without prior express written consent.
• Refuse to confirm payment terms in writing: Requiring verbal-only payment arrangements contradicts FDCPA transparency requirements.
• Contact outside legal hours: Calls before 8 a.m. or after 9 p.m. local time are prohibited.

Verify Before Paying RMP

Send a certified validation letter demanding the original itemized medical bill with CPT procedure codes, the insurance Explanation of Benefits, proof the debt was properly assigned from the original provider to RMP, and written confirmation of any payment arrangement terms. The 2026 class action targets defective assignments specifically, making that documentation request critical on any RMP account.

Never agree to a verbal-only payment arrangement. RMP has a documented pattern of refusing to confirm terms in writing, leaving consumers without recourse if the arrangement is later disputed.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and search for RMP Services, Receivables Management Partners, and Collection Associates. Confirm the original provider name, balance, and date of first delinquency.

Medical balances under $500 and paid medical balances should not appear under current credit bureau voluntary policies. Dispute any such entry directly with each bureau.

How Long Can RMP Legally Pursue the Debt?

Indiana allows six years on most written contracts including medical service agreements. The state where you received treatment governs the statute of limitations, not where RMP is based.

The credit reporting window runs separately for seven years from the original date of first delinquency. Any payment or written acknowledgment can restart the civil clock in Indiana and many other states.

Your Options for Resolving the Account

• Challenge the assignment chain: Request written proof of proper debt assignment. The 2026 class action suggests this documentation may be defective on some accounts.
• Demand all payment terms in writing: Insist on written confirmation before agreeing to anything or sending any payment.
• Dispute through all three bureaus: File simultaneously with Experian, Equifax, and TransUnion if any detail is wrong or RMP cannot produce complete assignment documentation.
• Respond immediately to any court summons: RMP has filed lawsuits within days of delivering validation documentation. Respond within your state’s deadline regardless of any pending validation request.

How to Contact RMP Services

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Indiana address: Receivables Management Partners, LLC, 8085 Knue Rd, Indianapolis, IN 46250
• Mailing address: Receivables Management Partners, LLC, PO Box 21626, Waco, TX 76702
• Phone: (800) 541-1370

Bottom Line

RMP’s dual role as both a first-party billing contact and a third-party debt collector creates confusion that benefits the agency. The 2026 proposed class action over defective debt assignments raises a fundamental question about whether RMP has legal standing to collect on certain accounts at all.

Never agree to a verbal-only payment arrangement. If an RMP account is on your credit file, the right move depends on the original provider, whether the debt assignment was properly executed, and what the insurance billing records show.