Who is RMC of America?
RMC of America is a debt collection agency based in White Hall, Arkansas. Their primary function is to recover outstanding debts on behalf of other businesses.
If you’ve neglected a payment or overlooked a bill, RMC of America might get involved, and as a result, their name could appear on your credit report.
Who does RMC of America collect for?
RMC of America serves a broad spectrum of businesses by collecting unpaid debts on their behalf. This includes companies within the healthcare sector, such as hospitals and medical practices, where they handle debts like unpaid medical bills. In addition, they work with utility companies to recover costs for unpaid services like gas, electricity, or water.
Is RMC of America legit or a scam?
RMC of America is a legitimate company. They’ve been in business since 1941, and they are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove RMC of America from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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RMC of America Contact Information
Address:
RMC of America
7401 Dollarway Rd
White Hall, AR 71602
Phone number: (877) 448-2302 or (870) 535-1220
Should I contact or pay RMC of America?
Before contacting a debt 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 Credit reports can contain errors or list debts that are no longer valid.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 RMC of America is to work with a credit repair professional. They help remove millions of negative items every year from companies like RMC of America on behalf of their clients.
Will RMC of America sue me or garnish my wages?
RMC of America could potentially take legal action against a debtor in an effort to recover unpaid debts. This might include filing a lawsuit. If the court issues a judgment in favor of the agency, wage garnishment could be one method of debt repayment that’s ordered. This involves a certain percentage of your income being automatically deducted to pay back the owed debt.
However, remember that lawsuits are typically seen as a last resort due to the time and money they involve. Most debt collectors would likely prefer to negotiate a payment plan or settlement directly with the debtor before resorting to legal action.
RMC of America 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.
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Credit Saint offers assistance with disputing RMC collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
