Is Retrieval-Masters Creditors Bureau Hurting Your Credit?

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Who is Retrieval-Masters Creditors Bureau?

Retrieval-Masters Creditors Bureau, Inc. (RMCB) is a debt collection agency with offices in Elmsford, New York, and Greenwich, Connecticut. They handle the recovery of unpaid debts on behalf of different companies and organizations.

If RMCB appears on your credit report, it generally implies that you have an unpaid debt that has been transferred to them for collection.

Who does Retrieval-Masters Creditors Bureau collect for?

Retrieval-Masters Creditors Bureau notably did business under the name American Medical Collection Agency (AMCA), specializing in the collection of healthcare-related debts. They used to work on behalf of medical providers to collect unpaid medical bills.

However, it’s important to note that AMCA filed for Chapter 11 bankruptcy in 2019 following a significant data breach. While the company may still be operational, their client base and scope of operations could have changed due to the bankruptcy proceedings.

Is Retrieval-Masters Creditors Bureau legit or a scam?

Despite any controversies, Retrieval-Masters Creditors Bureau, including its AMCA division, is a legitimate debt collection agency. They are authorized to contact debtors and attempt to collect unpaid debts. However, their collection tactics might include persistent communication efforts such as phone calls, text messages, or emails, which some may perceive as intrusive or spam-like.

How can I remove Retrieval-Masters Creditors Bureau from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Repair Your Credit?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Retrieval-Masters Creditors Bureau, Inc. Contact Information

Addresses:

Retrieval-Masters Creditors Bureau, Inc.
4 Westchester Plaza Suite 100
Elmsford, NY 10523

Retrieval-Masters Creditors Bureau, Inc.
200 Pemberwick Rd.
Greenwich, CT 06831

Phone number: (800) 666-8097

Should I contact or pay Retrieval-Masters Creditors Bureau, 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 Retrieval-Masters Creditors Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like Retrieval-Masters Creditors Bureau, Inc. on behalf of their clients.

Will Retrieval-Masters Creditors Bureau, Inc. sue me or garnish my wages?

Retrieval-Masters Creditors Bureau, Inc. is legally entitled to sue you for the debt you owe. If they take you to court and obtain a judgment against you, depending on the laws of your specific state, they might be able to garnish your wages, levy your bank account, or place a lien on your property.

However, it’s important to note that not all collection agencies will choose to sue or garnish wages for every debt. The decision to sue is often based on the size of the debt, the likelihood of collection, and the cost of legal proceedings.

Retrieval-Masters Creditors Bureau, 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 Retrieval-Masters Creditors Bureau, 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 Retrieval-Masters Creditors Bureau 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.
  • Retrieval-Masters Creditors Bureau cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Retrieval-Masters Creditors Bureau 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.
  • Retrieval-Masters Creditors Bureau cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Retrieval-Masters Creditors Bureau From Your Credit Report Today!

Credit Saint can help you dispute Retrieval-Masters Creditors Bureau collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.