If RTR Financial Services is showing up on your credit report, it means they are trying to collect an unpaid debt. Here’s what you need to know about this agency, how they affect your credit, and what to do to remove them from your credit report.
Who Is RTR Financial Services?
RTR Financial Services, Inc. is a debt collection agency based in Staten Island, New York. They work with hospitals and healthcare providers to collect unpaid medical bills from patients.
If you’ve received medical care and failed to pay the bill, your account may have been turned over to RTR Financial Services, resulting in a collections account on your credit report.
Who Does RTR Financial Services Collect For?
RTR Financial Services focuses on medical debt collection. Their clients include:
- Large hospital systems
- Community hospitals
- Other healthcare providers
They work to recover unpaid medical bills from patients who have received care but didn’t pay the balance.
Is RTR Financial Services Legitimate?
Yes, RTR Financial Services is a legitimate debt collection agency. They are authorized to collect debts on behalf of their healthcare clients.
That said, you should always verify the details of any debt before making payments. Credit reporting errors happen frequently, so never assume the debt is valid without confirmation.
How to Remove RTR Financial Services From Your Credit Report
Collections accounts can stay on your credit report for up to seven years, but you have options to address the situation:
- Dispute Inaccuracies: Review your credit report and dispute any incorrect or outdated information with the credit bureaus.
- Request Debt Validation: You can ask RTR Financial Services to validate the debt. They must provide proof that the debt is yours and that the amount is accurate.
- Negotiate a Pay-for-Delete: Sometimes, you may be able to settle the debt and request that the account be removed from your credit report. Always get the agreement in writing.
- Work With Credit Repair Professionals: Many people choose to work with credit repair services to challenge questionable accounts and improve their credit history.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay RTR Financial Services?
Before reaching out or making payments:
- Confirm that the debt is accurate and legally collectible
- Request proper debt validation in writing
- Understand that making a payment could restart the statute of limitations
Many people prefer working with a credit repair service to avoid mistakes and improve their chances of removing negative items.
Can RTR Financial Services Sue You or Garnish Wages?
Yes, RTR Financial Services can sue for unpaid debts. If they take legal action and win, they could:
- Garnish your wages
- Freeze your bank account
Lawsuits and wage garnishments are usually last-resort options. Most agencies try to recover the debt through letters, phone calls, or payment negotiations before pursuing legal action.
RTR Financial Services Complaints
Like many debt collectors, RTR Financial Services has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate credit reporting
- Harassment or aggressive collection tactics
- Failure to properly validate debts
If your rights have been violated, you can file a complaint and document all communication with the agency.
Your Rights When Dealing With RTR Financial Services
Debt collectors must follow federal laws under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws protect you from unfair treatment:
- RTR Financial Services cannot report false or incomplete information
- You have the right to request debt validation within 30 days of their first contact
- They cannot harass, threaten, or use abusive language
- They must clearly identify themselves as a debt collector
- They cannot make false legal claims or threaten arrest
Knowing your rights helps you handle collections with confidence.
RTR Financial Services Contact Information
Office Address:
RTR Financial Services, Inc.
2 Teleport Drive, Suite 302
Staten Island, NY 10311
Phone Number:
(718) 668-2881
Ready to Get RTR Financial Services Off Your Credit Report?
If RTR Financial Services is hurting your credit, you don’t have to face it alone. Credit Saint has helped thousands of people dispute inaccurate accounts and improve their credit reports.
They even offer a 90-day money-back guarantee for extra peace of mind.
Visit their website or call (855) 281-1510 to get started today and take control of your credit.
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.
