RTR Financial Services


Is RTR Financial Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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?

RTR Financial Services 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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RTR Financial Services, Inc. Contact Information


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 can help you dispute RTR Financial Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.