Who is Rauch-Milliken International, Inc.?
Rauch-Milliken International, Inc. (RMI) is a debt collection agency based in Metairie, Louisiana. The agency aids businesses in recovering outstanding payments, helping maintain their financial health.
If you see RMI listed on your credit report as a collections account, it means they are responsible for collecting a debt you owe. This usually happens when a bill is unpaid.
Who does Rauch-Milliken International collect for?
Rauch-Milliken International focuses primarily on the collection of commercial debt. This means they work with businesses to collect debts owed by other businesses, which often involves substantial sums.
Among their clientele are several prominent companies, including Coca-Cola, Stanley Tools, DISH Network, and Black & Decker.
Is Rauch-Milliken International legit or a scam?
Rauch-Milliken International is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Rauch-Milliken International from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Rauch-Milliken International, Inc. Contact Information
Address:
Rauch-Milliken International, Inc.
4400 Trenton St.
Metairie, LA 70006
Phone number: (800) 237-8430 or (504) 837-6995
Should I contact or pay Rauch-Milliken International, Inc.?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Rauch-Milliken International is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rauch-Milliken International on behalf of their clients.
Will Rauch-Milliken International, Inc. sue me or garnish my wages?
Rauch-Milliken International, Inc. (RMI) can file a lawsuit against you for unpaid debts. If they win the lawsuit, they may obtain a judgment that could potentially grant them the right to garnish your wages or levy your bank account, based on the laws in your state or jurisdiction.
However, a lawsuit is generally a last resort due to the time-consuming and costly nature of legal proceedings. RMI may instead prefer to negotiate a payment plan or reach a settlement agreement.
Rauch-Milliken International, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Rauch-Milliken International, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Rauch-Milliken International to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Rauch-Milliken International cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Rauch-Milliken International must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Rauch-Milliken International cannot threaten to have you arrested or imprisoned for unpaid debts.
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If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
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