Who is RTR Financial Services?
RTR Financial Services, Inc. is a debt collection agency located in Staten Island, New York. They work with consumers to manage outstanding debts that have been referred to them for collection.
If you see RTR Financial Services listed on your credit report as a collections account, it signifies an unpaid debt that has been transferred to them for collection.
Who does RTR Financial Services collect for?
RTR Financial Services primarily serves the healthcare sector, providing specialized collection services for an array of hospital clients. Their clientele ranges from large hospital systems to smaller, community-based hospitals. They help these institutions recover unpaid debts from patients who have utilized the healthcare services but haven’t paid for them.
Is RTR Financial Services legit or a scam?
RTR Financial Services, Inc. is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 RTR Financial Services 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.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
RTR Financial Services, Inc. Contact Information
Address:
RTR Financial Services, Inc.
2 Teleport Dr. Suite Ste 302
Staten Island, NY 10311
Phone number: (718) 668-2881
Should I contact or pay RTR Financial Services?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 RTR Financial Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like RTR Financial Services, Inc. on behalf of their clients.
Will RTR Financial Services sue me or garnish my wages?
RTR Financial Services has the legal right to file a lawsuit against you for an unpaid debt. If they are successful in their lawsuit and obtain a judgment from the court, they may have the ability to garnish your wages to recoup the debt owed.
However, it’s essential to note that lawsuits and wage garnishments are usually a last resort for most debt collection agencies. This process can be costly and time-consuming. Before it gets to this point, they will likely attempt to recover the debt through traditional collection methods, such as sending letters or making phone calls.
RTR Financial Services, Inc. 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.
Your Rights When Dealing with RTR Financial Services, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for RTR Financial Services, 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. They have 30 days to prove the debt is yours and the amount is accurate.
- RTR Financial Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- RTR Financial Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- RTR Financial Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove RTR Financial Services From Your Credit Report Today!
Credit Saint offers assistance with disputing RTR Financial Services 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.
