Who is RMCB Collection Agency?
Retrieval-Masters Creditors Bureau, Inc., which operates under the name RMCB Collection Agency, is a debt collection agency based in Elmsford, New York. They also operate under the name American Medical Collection Agency (AMCA).
If you see RMCB Collection Agency on your credit report, it’s likely because they’re attempting to collect a debt that you haven’t paid. It’s also possible that the debt was originally owed to another company and was sold or assigned to RMCB for collection.
Who does RMCB Collection Agency collect for?
RMCB Collection Agency specializes in recovering debt from various industries, although they’re particularly known for their work in medical debt collection, which is reflected in their AMCA name. They may be working to recover unpaid debts for hospitals, doctors’ offices, clinics, and other healthcare providers.
Is RMCB Collection Agency legit or a scam?
RMCB Collection Agency, or Retrieval-Masters Creditors Bureau, Inc., is a legitimate company, and not a scam. However, it’s important to always verify any debt you are contacted about, especially if you don’t recognize it.
How can I remove RMCB Collection Agency 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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RMCB Collection Agency Contact Information
Retrieval-Masters Creditors Bureau, Inc.
4 Westchester Plaza
Elmsford, NY 10523
Retrieval-Masters Creditors Bureau, Inc.
200 Pemberwick Rd.
Greenwich, CT 06831
Phone number: (800) 666-8097
Should I contact or pay RMCB Collection Agency?
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 this is to work with a credit repair professional. They help remove millions of negative items every year from companies like RMCB Collection Agency on behalf of their clients.
Will RMCB Collection Agency sue me or garnish my wages?
RMCB Collection Agency could potentially sue you for an unpaid debt. If the lawsuit is successful, and the court rules in their favor, they may be awarded a judgment that allows them to garnish your wages, or take other action to recover the debt.
However, suing you is generally considered a last resort for collection agencies, as the legal process can be costly and time-consuming. Before it comes to this point, most debt collectors would prefer to work out a payment plan or a settlement with you.
RMCB Collection Agency 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 Retrieval-Masters Creditors Bureau, 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 Retrieval-Masters Creditors Bureau, 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.
- Retrieval-Masters Creditors Bureau, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Retrieval-Masters Creditors Bureau, 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.
- Retrieval-Masters Creditors Bureau, Inc. cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove RMCB Collection Agency From Your Credit Report Today!
Credit Saint can assist you in disputing RMCB Collection Agency accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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