Who is Real Time Resolutions?
Real Time Resolutions, Inc. (RTR) is a debt collection agency located in Dallas, Texas. They operate with the purpose of recovering unpaid bills.
If you have unresolved debts, you might see RTR listed on your credit report as a collections account.
Who does Real Time Resolutions collect for?
Real Time Resolutions serves a diverse range of clients and sectors in their debt collection services. They work on behalf of organizations that offer various forms of consumer loans. This includes, but is not limited to, auto loans, credit card loans, mortgages, and student loans.
Is Real Time Resolutions legit or a scam?
Real Time Resolutions, Inc. 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 Real Time Resolutions 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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Real Time Resolutions, Inc. (RTR) Contact Information
Real Time Resolutions
1349 Empire Central Ste 150
Dallas, TX 75247
Real Time Resolutions
PO Box 36655
Dallas, TX 75235-1655
Phone number: (877) 252-3761
Should I contact or pay Real Time Resolutions?
It’s best to avoid speaking to a debt collector 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 Real Time Resolutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Real Time Resolutions on behalf of their clients.
Will Real Time Resolutions sue me or garnish my wages?
Real Time Resolutions does have the legal right to sue for unpaid debts. If they choose to sue you and win the case, they could potentially be granted a judgment by the court. Depending on the laws of your state, this judgment could allow them to garnish your wages, levy your bank accounts, or place a lien on your property to fulfill the debt.
However, it’s essential to understand that not all debt collectors will choose to go this route, as lawsuits can be costly and time-consuming.
Real Time Resolutions, Inc. (RTR) 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 you find yourself facing any of these situations with Real Time Resolutions, you may also 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 Real Time Resolutions
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Real Time Resolutions 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.
- Real Time Resolutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Real Time Resolutions 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.
- Real Time Resolutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Real Time Resolutions From Your Credit Report Today!
Credit Saint can assist you in disputing Real Time Resolutions 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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