Who is RMB, Inc.?
RMB, Inc., also known as Rubin & Raine, Inc., is a debt collection agency based in Knoxville, Tennessee.
If RMB, Inc. appears on your credit report, it indicates that you have an unpaid debt that the company is attempting to collect. This typically occurs when you have an outstanding bill that has been either originated or sold to them.
Who does RMB, Inc. collect for?
RMB, Inc. collects for a variety of original creditors. This could include entities such as banks, credit card companies, medical providers, and other businesses. They work to recover past due debts that these companies have been unable to collect.
Is RMB, Inc. legit or a scam?
RMB, Inc. is a legitimate company. However, they, like many other debt collection agencies, may engage in frequent and persistent attempts to contact you, including through phone calls, texts, or emails, in order to recover the debt.
How can I remove RMB Collections from my credit report?
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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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.
RMB, Inc. / Rubin & Raine Contact Information
Address:
RMB, Inc.
409 Bearden Park Circle
Knoxville, TN 37919
Phone number: (865) 694-1140
Should I contact or pay RMB, Inc.?
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 RMB, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like RMB, Inc. on behalf of their clients.
Will RMB, Inc. sue me or garnish my wages?
RMB, Inc. can sue you for an unpaid debt. If they win the lawsuit, they might be granted a court order to garnish your wages or levy your bank accounts.
However, the decision to sue depends on many factors, including the size of the debt, the cost of litigation, and the statute of limitations.
RMB, Inc. 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 RMB, Inc.
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 RMB, Inc. 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.
- RMB, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- RMB, Inc. 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.
- RMB, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove RMB Collections From Your Credit Report Today!
Lexington Law can assist you in disputing RMB, Inc. collection 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.
