How to Settle Debt With RAB Collection Agency in 2025
RAB Collection Agency contacts millions of consumers annually about outstanding debts. You have legal rights under the FDCPA to dispute debts, request validation, and negotiate settlements. Working with a professional partner can help you respond effectively and potentially settle for less than you owe.
Respond to RABThe FTC estimates debt collectors contact about one billion people annually. These phone calls feel intrusive and add stress to your financial difficulties.
RAB Collection Agency is doing its job by collecting money owed to clients. You can take steps to ensure contact with RAB results in debt resolution.
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Start Negotiating NowWrite a letter asking them to stop contacting you by phone. Communication should be in writing so you have a paper trail. The preferred method is certified mail with a return receipt.
RAB Collection Agency might still call you. Sometimes they call for debts you don’t owe or for the wrong amount. Most collection agencies have limited information about debts, so mistakes are common.
Your chances of resolving a debt with RAB increase if you engage with them. Don’t ignore RAB Collection Agency. Instead, negotiate to settle your debt for less.
Send a Debt Dispute Letter
If you don’t think you owe the debt, mail them a debt dispute letter. Ask them to validate the debt with detailed documents and information.
Federal law gives you 30 days to respond after receiving a letter about a debt. Your debt dispute letter should include your contact information, verification of what you owe, and the creditor’s name.
Request that they don’t report the debt to credit agencies until you resolve the situation. Send a dispute letter to all credit agencies so they know you’re contesting the debt.
If the matter remains unresolved, the information will likely appear on your credit report. Another type of dispute letter should go to each credit agency if the information is inaccurate.
You can work with our partner Solo to respond to debt collectors and protect your rights.
What Is RAB Collection Agency?
RAB Collection Agency, also known as RAB, Inc., is a legitimate debt collector. They maintain an A+ rating from the Better Business Bureau. They’ve been in business for 49 years.
You can contact them at the following:
- Phone: 1-800-580-0491
- Address: 4450 Sojourn Dr STE 300, Addison, TX 75001-5043
- Website: https://www.rabtx.com/
Who Does RAB, Inc. Collect For?
RAB, Inc. specializes in medical and commercial debt collection. Those are broad categories, so get information about the original creditor.
Medical debt and commercial debt are common reasons for collection calls. Make sure you verify the debt before making any payments.
Online Reviews of RAB Collection Agency
Knowing what other consumers experienced helps you prepare. You can read reviews on the Better Business Bureau profile.
Check the CFPB consumer database for submitted complaints. Google reviews also provide insight into consumer experiences.
Online reviews are mixed, but RAB has several positive reviews. Research helps you understand what to expect.
Understanding Your Rights Under the FDCPA
The Fair Debt Collection Practices Act passed in 1978. It gives consumers protection against aggressive debt collectors.
The FDCPA outlines the following rules for debt collectors:
- RAB must only call between 8 am and 9 pm
- Collectors cannot call you at work if you tell them not to
- You can tell agencies to stop calling by sending certified mail
- Collectors must send a validation notice stating the amount owed
- Collectors cannot threaten violence, use profanity, or lie about what you owe
- They can only discuss your debt with you and your attorney
The US government receives thousands of complaints monthly about aggressive collection tactics. Most issues involve debts consumers say they don’t owe.
Use the Statute of Limitations Defense
Check if you actually owe the debt first. RAB must send you a validation notice within five days of first contact.
A statute of limitations exists for your debts. The statute varies by state between four and six years, sometimes longer.
If the statute of limitations expires, the company cannot get a judgment against you. They could still try to collect, but they can’t take legal action.
The unpaid debt will remain on your credit report for seven years. Keep careful track of any transaction involving a debt.
The original contract and what you originally owed are vital. Have this information ready when you file a dispute.
Steps to Remove a Collections Notice From Your Credit Report
Dispute the collection if you don’t owe the debt. Agencies must verify the debt within 30 days or remove it.
Credit bureaus must remove collections that stay on your report past seven years. Give them proof of when the delinquency began.
You can negotiate with the agency to remove the collection. Pay a fee so they won’t report it anymore. Get this agreement in writing before paying.
How to Settle a Debt With RAB Collection Agency
Verify the debt is one you legitimately owe. Debt settlement may be the best way to resolve the problem.
Follow these steps to settle your debt:
- Evaluate your finances to determine how much you can offer
- Contact RAB and start the negotiation process
- Explain any hardships that led to the past due debt
- Make your offer and prepare for a counteroffer
- Request a signed settlement agreement before paying
- Pay the agreed-upon amount on time and in full
Our partner Solo helps you negotiate and settle your debt. The platform allows you to make settlement offers and document agreements.
You don’t have to face RAB Collection Agency alone. Professional help can improve your settlement outcome and protect your rights.