If Rocky Mountain Recovery Systems appears on your credit report, they’re likely trying to collect an unpaid debt. A collection account can lower your credit score, but there are ways to handle it.
Who Is Rocky Mountain Recovery Systems, Inc.?
Rocky Mountain Recovery Systems is a debt collection agency based in Powell, Wyoming, with offices in Gillette and Casper. They help businesses and service providers collect money from past-due accounts.
If their name shows up on your credit report, they believe you owe a debt, and they’ve taken over collection efforts.
What Types of Debts Does Rocky Mountain Recovery Systems Collect?
Rocky Mountain Recovery Systems works with a wide range of industries, including:
- Financial institutions – Unpaid loans or credit card balances
- Medical providers – Overdue medical bills
- Retailers and utility companies – Unpaid service bills
- Commercial creditors – Outstanding business-related debts
They help businesses and organizations recover money that has gone unpaid.
Is Rocky Mountain Recovery Systems a Legitimate Company?
Yes, Rocky Mountain Recovery Systems is a legitimate, authorized debt collection agency. But not every account they pursue is accurate. Always verify any debt they claim you owe before making a payment or agreeing to settle.
Errors on your credit report can damage your score, so it’s important to confirm the details.
How to Remove Rocky Mountain Recovery Systems from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are steps you can take to remove them sooner:
- Dispute inaccurate information – If the debt is incorrect, outdated, or incomplete, file a dispute with the credit bureaus. They must investigate and correct or remove any errors.
- Negotiate a pay-for-delete agreement – You may be able to settle the debt in exchange for the account being removed from your credit report. Get any agreement in writing before making a payment.
- Work with a credit repair professional – Experts can help challenge collection accounts and dispute errors on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Rocky Mountain Recovery Systems?
Before contacting them, confirm that the debt is legitimate. Here’s why:
- Credit reports often contain mistakes
- Some debts may be past the statute of limitations, meaning they can’t sue you for it
- Making a payment could restart the clock on how long the debt affects your credit
If you’re unsure what to do, credit repair companies work with agencies like Rocky Mountain Recovery Systems every day and can guide you through the process.
Can Rocky Mountain Recovery Systems Sue You or Garnish Your Wages?
Yes, Rocky Mountain Recovery Systems can sue you to recover unpaid debts. If they win the lawsuit, they could:
- Garnish your wages
- Freeze your bank accounts
- Place a lien on your property, depending on state laws
Lawsuits are usually a last resort because they take time and money. Most collection agencies try to settle the debt through phone calls, letters, or payment plans first.
Rocky Mountain Recovery Systems Contact Information
Here’s how to get in touch with them:
Powell Office:
Rocky Mountain Recovery Systems, Inc.
101 Hastings Horseshoe
Powell, WY 82435
Gillette Office:
400 S Kendrick Ave, Suite 202
Gillette, WY 82716
Casper Office:
400 E 1st St, Suite 312
Casper, WY 82601-2561
Phone: (307) 754-8215
Complaints Against Rocky Mountain Recovery Systems
Like many debt collection agencies, Rocky Mountain Recovery Systems has complaints filed through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common complaints include:
- Inaccurate reporting on credit reports
- Harassment or aggressive collection tactics
- Failure to verify the debt
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Know Your Rights When Dealing with Rocky Mountain Recovery Systems
Debt collectors must follow federal and state laws under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). You have the right to:
- Dispute false or incomplete information on your credit report
- Request a debt validation letter to prove the debt is yours and the amount is accurate
- Be free from harassment, threats, or abusive language
- Receive clear communication that they are a debt collection agency
- Avoid threats of arrest for unpaid debts
Knowing your rights helps you deal with collection agencies confidently.
Ready to Remove Rocky Mountain Recovery Systems from Your Credit Report?
A collection account can damage your credit, but you don’t have to face it alone. Credit Saint has over 15 years of experience helping people dispute incorrect collection accounts. They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to take action? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
