RJM Acquisitions

Is RJM Acquisitions hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is RJM Acquisitions?

RJM Acquisitions, also known as RJM Acquisitions Funding, was a debt collection agency based in Syosset, New York. They specialized in buying and managing unpaid debt.

If you see RJM Acquisitions listed on your credit report as a collections account, it typically indicates an unpaid debt that they’re trying to collect.

Who does RJM Acquisitions collect for?

RJM Acquisitions acted primarily as a debt buyer, which means they purchased delinquent or charged-off debts from banks and other financial institutions. By purchasing these debts, often for a fraction of their face value, they assumed the rights to collect the full amount of the debt.

The companies from which they bought debt ranged across various industries, including credit card companies, retail businesses, or any other entities that provide credit.

Is RJM Acquisitions legit or a scam?

RJM Acquisitions is indeed a legitimate company. Despite their potentially persistent and sometimes intrusive collection methods, they operate as a lawful business entity within the regulations of the debt collection industry. However, like other collection agencies, they may frequently attempt to contact you via phone calls, texts, or emails to recover the debt.

How can I remove RJM Acquisitions from my credit report?

RJM Acquisitions 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.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

RJM Acquisitions, LLC Contact Information


RJM Acquisitions, LLC
575 Underhill Blvd. Suite 224
Syosset, NY 11791-3416

Phone number: (800) 541-0824, (516)-714-1300, or (516)-714-1304

Should I contact or pay RJM Acquisitions?

Nothing good can come from speaking to a debt 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 RJM Acquisitions is to work with a credit repair professional. They help remove millions of negative items every year from companies like RJM Acquisitions on behalf of their clients.

Will RJM Acquisitions sue me or garnish my wages?

RJM Acquisitions does have the legal right to sue you for an unpaid debt. If they win the lawsuit, they might be granted a court judgment that could potentially allow them to garnish your wages or levy your bank account, depending on your state’s laws.

However, it’s important to note that wage garnishment is usually considered a last resort after all other attempts to collect the debt have failed. The process requires court approval and varies from state to state, with some states offering more protections for consumers than others.

RJM Acquisitions 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 a debt collector is harassing you, you may want to 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 RJM Acquisitions

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 RJM Acquisitions 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.
  • RJM Acquisitions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • RJM Acquisitions 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.
  • RJM Acquisitions cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove RJM Acquisitions From Your Credit Report Today!

Lexington Law Firm can assist you in disputing RJM Acquisitions accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.