Receivable Management Group: What to Do If They Contact You

Receivable Management Group, Inc. (RMG) has collected medical debts and financial institution accounts from their Columbus, Georgia office since 1994. The company is family-owned and collects on behalf of healthcare providers and financial institutions using a predictive dialer system and credit bureau reporting.

A documented BBB response shows RMG requesting deletion of a collection entry from a consumer’s credit report after they could not obtain verification from their own client. That outcome is worth knowing before deciding how to respond. This guide covers who RMG is, their documented complaint patterns, and how to respond.

Who Is Receivable Management Group?

Receivable Management Group, Inc. is a family-owned third-party debt collection agency founded in 1994 and headquartered in Columbus, Georgia. The BBB accredits them and has recorded 37 complaints in a three-year period, with 14 closed in the most recent 12 months. No named federal FDCPA lawsuits appear in court records.

RMG collects for healthcare providers and financial institutions. Their tools include a computerized predictive dialer, credit bureau reporting, and an online payment portal. Georgia has a 6-year statute of limitations on written contracts.

HIPAA, Medical Debt, and Validation

A documented CFPB complaint involves a consumer who received a 2018 RMG collection notice for a medical debt and sent a written validation request. The consumer specifically noted that RMG claiming HIPAA as a reason to withhold provider documentation could itself constitute an FDCPA violation, because withholding information in response to a written validation request is deceptive under Section 1692e.

This is a documented tension in medical debt collection. Collectors sometimes cite HIPAA when consumers request itemized billing records from the original provider. However, the FDCPA requires collectors to provide written verification of the debt. A consumer’s right to validate a debt is not eliminated by HIPAA. If RMG has cited HIPAA to justify not providing documentation, note that specifically in any follow-up validation request.

When requesting validation from RMG on a medical account, ask for the name of the original healthcare provider, the date of service, the itemized balance, and a statement of what documentation RMG received from that provider. This framing is consistent with what the CFPB complaint consumer requested.

RMG Has Deleted Accounts It Could Not Verify

A documented BBB complaint response shows RMG confirming they could not obtain verification information from their client. In that same response, RMG confirmed they had closed the account and requested deletion from the consumer’s credit bureau file.

This is a meaningful data point. It confirms that RMG will delete entries when their own client cannot provide documentation to support the claim. If you have disputed an RMG account and received no substantive response, a follow-up certified letter specifically requesting that RMG confirm whether their client has provided verification may prompt the same outcome.

Reporting Before Consumer Receives Written Notice

A documented complaint pattern involves RMG reporting accounts to credit bureaus before consumers receive any written contact. FDCPA Section 1692g requires RMG to send a written validation notice within five days of first contact with the consumer. Reporting to credit bureaus without that prior written notice is a documented consumer complaint.

If an RMG entry appeared on your credit report and you have no recollection of receiving a letter or call from RMG beforehand, request documentation of when they first contacted you and what address they used. A bad address on file is a documented reason why consumers miss initial notices.

What RMG Cannot Do Under Federal Law

Based on their documented complaint record:

• Cite HIPAA to withhold documentation in response to a written validation request: A documented CFPB complaint flags this as a potential FDCPA Section 1692e violation. The consumer’s right to validation is not overridden by HIPAA.
• Report medical debts under $500 to credit bureaus: Current CFPB rules prohibit this outright. Dispute immediately without waiting for RMG’s response.
• Report medical debts less than one year past due: The one-year waiting period applies regardless of balance.
• Report accounts before sending a written validation notice: FDCPA Section 1692g requires written notice within five days of first contact. Bureau reporting before that notice is a documented complaint pattern.
• Continue collecting after a written dispute without providing verification: FDCPA Section 1692g requires collection to pause until written verification is provided.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. For medical accounts, request the original provider’s name, the date of service, the itemized bill, and confirmation of what documentation RMG received from the provider. Specifically note in your letter that HIPAA does not permit RMG to withhold this information in response to a written validation request.

For financial institution accounts, request the original creditor, account number, and balance at referral.

How to Check Your Credit Report for RMG Entries

Search all three credit reports for “Receivable Management Group” and “RMG.” Confirm the original creditor is identified and the balance reflects the correct amount after any insurance processing for medical accounts. Check that the balance is above $500 and at least one year past due before accepting a medical entry as properly reported.

Your Options for Resolving an RMG Account

• Dispute medical entries under $500 or less than one year old immediately: CFPB rules make both categories disputable without waiting for RMG’s response.
• Send a follow-up letter asking RMG to confirm their client has provided verification: The documented BBB response shows RMG deletes accounts when their client cannot verify the debt. A direct written inquiry on this point may produce the same result.
• Include the HIPAA validation language in your request: Specifically ask for itemized provider documentation and note that HIPAA does not permit withholding this information in response to a written FDCPA validation request.
• File with the Georgia Attorney General for state law violations: Georgia consumers can file complaints with the Georgia Department of Law’s Consumer Protection Division in addition to the CFPB.

How to Contact Receivable Management Group

• Address: Receivable Management Group, Inc., 2901 University Avenue, Suite 29, Columbus, GA 31907
• Phone: (800) 218-1764 or (706) 563-6878

Bottom Line

Receivable Management Group has collected medical and financial institution debts in Georgia since 1994. Their most distinctive documented behavior is deleting credit bureau entries when their own client cannot provide verification. That pattern gives consumers who send written validation requests a meaningful path to resolution without paying a disputed balance.

Before engaging by phone or paying anything, send a written validation request by certified mail and include specific language requesting itemized provider documentation. If the balance is under $500 or less than one year past due, dispute with all three bureaus immediately.