If RGL Associates just showed up on your credit report, it probably means they’re trying to collect a debt—and that collection could be hurting your credit score. Here’s what you need to know about who they are, how to deal with them, and your options for removing them from your credit report.
Who Is RGL Associates?
RGL Associates, Inc. is a third-party debt collection agency based in Brunswick, Georgia. They collect past-due accounts on behalf of other businesses and government entities.
If they’re listed on your credit report, it means they either bought the debt from the original creditor or were hired to collect it. Either way, they now have the right to try to collect the money from you.
Who Does RGL Associates Collect For?
RGL works with organizations across several industries. That includes:
- Education – unpaid tuition or student loans
- Healthcare – medical bills sent to collections
- Government – overdue taxes, fines, or fees
- Memberships – gym dues, club fees, or service subscriptions
- Rental Agencies – unpaid rent or property management fees
Is RGL Associates a Scam?
No. RGL Associates is a legitimate debt collection company. But just because they’re real doesn’t mean the debt is accurate—or even yours. Always verify the debt before you respond or make any payments.
How to Remove RGL Associates From Your Credit Report
A collection account can damage your credit score and stay on your report for up to seven years. If you’re trying to improve your credit, removing it should be a priority. Here are your options:
1. Dispute Any Inaccuracies
If there’s incorrect information—like the wrong balance, date, or even a debt that doesn’t belong to you—file a dispute with the credit bureaus. They’re required to investigate and remove the account if it can’t be verified.
2. Request a Debt Validation
Under federal law, you can send RGL Associates a debt validation letter. This forces them to prove the debt is yours and that the amount is accurate. If they can’t provide proper documentation, they must stop collecting and remove the item from your credit report.
3. Try a Pay-for-Delete Agreement
If the debt is valid, and you’re willing to pay it, ask RGL Associates if they’re open to a pay-for-delete deal. This is where you offer payment in exchange for the account being removed from your credit report. Not all agencies agree to this, but it’s worth a try—just make sure to get the agreement in writing before sending any money.
4. Work With a Credit Repair Company
If dealing with collections feels like too much, credit repair companies can help. They know how to dispute errors, request validations, and negotiate with collection agencies on your behalf. Some have helped remove millions of negative items, including collections from companies like RGL Associates.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay RGL Associates?
Maybe—but not right away. First, confirm that the debt is:
- Legitimate – Make sure it actually belongs to you
- Accurate – Double-check the balance, dates, and account details
- Still Collectible – Debts past the statute of limitations might not be enforceable
Also, be aware that making a payment can reset the statute of limitations, which might give the agency more time to sue you. If you’re unsure, get legal or professional advice before sending any money.
Can RGL Associates Sue or Garnish Your Wages?
Yes, they can sue you for unpaid debt. If they win in court, they may be able to garnish your wages or place a lien on your property—depending on the laws in your state. However, lawsuits are expensive and time-consuming, so collectors often prefer to settle outside of court.
What Are Your Rights When Dealing With RGL Associates?
You’re protected under federal laws like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Here’s what those laws guarantee:
- You have the right to dispute inaccurate information on your credit report
- You can request debt validation within 30 days of first contact
- Debt collectors cannot harass you or use abusive language
- They must identify themselves as a debt collector
- They cannot threaten to arrest you for unpaid debt
- They cannot report false or incomplete information
If RGL Associates breaks these rules, you can file a complaint with the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB).
RGL Associates Contact Information
- Address: 3536 Darien Hwy, Brunswick, GA 31525
- Phone: (912) 264-1955
RGL Associates Complaints
Like many collection agencies, RGL has received complaints about:
- Reporting debts inaccurately
- Failing to verify debts
- Using aggressive or harassing collection tactics
If you feel your rights are being violated, document everything and file a formal complaint.
Final Thoughts
RGL Associates can be tough to deal with, but you’re not out of options. From disputing inaccurate information to negotiating pay-for-delete agreements, there are steps you can take to reduce the impact—or remove the account altogether.
For expert help, Credit Saint specializes in handling collections and other credit issues. They’ve helped thousands of people and offer a 90-day money-back guarantee if you’re not satisfied with the results.
Visit their website or call (855) 281-1510 to see how they can help.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
