Who is Receivable Management Services?
Receivable Management Services, LLC (RMS) is a debt collection agency based in Seattle, Washington. Their role involves collecting debts on behalf of other entities.
If RMS is listed on your credit report, it usually means that they have been assigned or have purchased a debt that you allegedly owe. This typically happens when you’ve defaulted on a payment, and the original creditor has transferred the debt to a collection agency like RMS for recovery.
Who does Receivable Management Services collect for?
Receivable Management Services works with a broad range of companies across various industries, collecting debts on their behalf. These industries include medical, insurance, finance, telecommunications, and retail.
Is Receivable Management Services legit or a scam?
Despite their persistent and sometimes aggressive communication methods, Receivable Management Services is a legitimate debt collection agency. These methods can include repeated phone calls, texts, or emails, which can be perceived as intrusive or even harassing. However, they are a legitimate business.
How can I remove Receivable Management Services from my credit report?
Receivable Management Services 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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Receivable Management Services, LLC Contact Information
Receivable Management Services Corporation
2001 6th Ave #2200
Seattle, WA 98121
Phone number: (888) 807-2576
Should I contact or pay Receivable Management Services?
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 Receivable Management Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Receivable Management Services on behalf of their clients.
Will Receivable Management Services sue me or garnish my wages?
Like other debt collection agencies, Receivable Management Services has the ability to sue for unpaid debts, but this is usually a last resort due to the time, cost, and resources involved. If they choose to sue and win a judgement against you, they may be legally allowed to garnish your wages, depending on the laws in your state.
Receivable Management Services, LLC 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 Receivable Management Services, you should also 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 Receivable Management Services, LLC
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 Receivable Management Services 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.
- Receivable Management Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Receivable Management Services 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.
- Receivable Management Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Receivable Management Services From Your Credit Report Today!
Credit Saint can assist you in disputing Receivable Management Services 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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