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?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Rauch-Milliken International, Inc. Contact Information
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.?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Rauch-Milliken International, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Rauch-Milliken International may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Rauch-Milliken International must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Rauch-Milliken International cannot threaten to have you arrested or imprisoned over unpaid debts.
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Credit Saint can assist you in disputing Rauch-Milliken International collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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