Is Rickart Collection Systems Hurting Your Credit?

If you’ve found Rickart Collection Systems listed on your credit report, it likely means a past-due debt has been sent to collections. While this can hurt your credit score, there are steps you can take to dispute the account and potentially get it removed.

Who Is Rickart Collection Systems?

Rickart Collection Systems, Inc. (RCS) is a debt collection agency based in North Brunswick, New Jersey. They work on behalf of creditors to recover unpaid debts and may appear on your credit report if they’re attempting to collect from you.

What Types of Debts Do They Collect?

Rickart Collection Systems doesn’t publicly list their specific clients, but they’re known to collect debts across a range of industries, including:

• Healthcare and medical billing
• Financial services
• Utility providers
• Retail and service businesses

If you’ve missed a payment in one of these areas, Rickart may be trying to recover that balance.

Is Rickart Collection Systems Legit?

Yes, Rickart Collection Systems is a legitimate debt collection company. But even though they’re licensed and authorized to collect, that doesn’t guarantee the debt is accurate. Collections are often reported with mistakes, so you should always verify the details before paying.

How to Remove Rickart Collection Systems From Your Credit Report

A collections account can drag your credit score down and remain on your report for up to seven years. Fortunately, there are a few ways to remove it early.

1. Dispute Any Inaccuracies

Check the account for any errors—wrong balance, incorrect dates, or debts that don’t belong to you. If you spot anything that doesn’t add up, file a dispute with the credit bureaus. They’re required to investigate and correct or remove inaccurate information.

2. Send a Debt Validation Letter

You have the legal right to ask Rickart Collection Systems to prove the debt is real and that they have the authority to collect it. Send a debt validation letter within 30 days of being contacted. If they can’t verify the debt, they must stop trying to collect and remove it from your credit report.

3. Negotiate a Pay-for-Delete Agreement

You can offer to settle the debt in exchange for having it removed from your credit report. This is called a pay-for-delete. While Rickart isn’t required to accept, it’s worth asking—especially for older or smaller debts. Make sure to get the agreement in writing before paying.

4. Hire a Credit Repair Company

If you’re unsure how to move forward or want help handling disputes, a professional credit repair service can step in. These companies specialize in challenging collections and negotiating with agencies like Rickart.

Should You Contact or Pay Rickart Collection Systems?

Before picking up the phone or sending any payment, make sure to:

• Confirm the debt is accurate and belongs to you
• Check whether it’s still legally collectible (past the statute of limitations)
• Review the impact of making a payment—in some states, it could restart the clock and make the debt legally collectible again

In short, don’t pay until you know exactly what you’re dealing with.

Can Rickart Collection Systems Sue or Garnish Wages?

Yes, Rickart Collection Systems has the legal authority to sue you for unpaid debts. If they win a judgment in court, they could:

• Garnish your wages
• Freeze your bank account
• Place a lien on your property

However, legal action is usually a last resort. Most collectors prefer to work out a payment plan before going through the court system.

Complaints About Rickart Collection Systems

Rickart has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:

• Trying to collect debts that weren’t owed
• Failing to verify debts
• Harassing phone calls
• Reporting inaccurate information to credit bureaus

If your rights are being violated or you’re dealing with harassment, file a complaint with the CFPB or your state attorney general.

Know Your Rights Under Federal Law

You’re protected by two major laws:

• The Fair Credit Reporting Act (FCRA) – Gives you the right to dispute inaccurate or outdated credit report items
• The Fair Debt Collection Practices Act (FDCPA) – Prohibits harassment, deception, or abusive behavior from debt collectors

Under these laws:

• You can request written debt validation
• Collectors must clearly identify themselves and their purpose
• They can’t threaten arrest or legal action they don’t plan to take
• They must stop contacting you if you send a written cease-and-desist request

Rickart Collection Systems Contact Information

Office Address:
Rickart Collection Systems
575 Milltown Road, Suite 2
North Brunswick, NJ 08902

Mailing Address:
P.O. Box 7242
North Brunswick, NJ 08902

Phone Numbers:
(800) 742-5278 or (732) 247-0300

Need Help Removing Rickart Collection Systems From Your Credit Report?

Don’t let a collection account stand in the way of better credit. Credit Saint has helped thousands of people remove inaccurate items—including accounts from Rickart Collection Systems—and they offer a 90-day money-back guarantee if they don’t deliver results.

To find out how they can help, visit their website or call (855) 281-1510 for a free consultation.