How to Settle With Real Time Resolutions: Your Complete Guide
Real Time Resolutions is a third-party debt collector that must follow FDCPA rules when contacting you. Always send a debt validation letter first to force them to prove the debt is valid and belongs to you. If they sue you, filing an Answer within your state's deadline prevents default judgment and gives you leverage to negotiate settlement or use affirmative defenses.
Answer RTR LawsuitDebt collectors can drain your energy and fill you with dread. Many people avoid their calls out of fear or embarrassment.
You have more power than you think. Understanding your rights helps you handle Real Time Resolutions with confidence.
Real Time Resolutions Suing You? Respond in 15 Minutes
Don't let RTR win by default. File your Answer and start settlement negotiations today. Our partner Solo helps you respond to the lawsuit and negotiate simultaneously.
Answer the LawsuitWhat Is Real Time Resolutions?
Real Time Resolutions operates as a third-party debt collection agency. The Dallas-based company started in 2000, initially focusing on real estate-related debts.
They’ve expanded their collection services to cover multiple debt types. RTR now handles consumer loans, credit cards, auto loans, and student debt.
Contact Information:
- Phone: (855) 466-3090
- Address: P.O. Box 840923, Dallas, TX 75284-0923
- Website: https://www.realtimeresolutions.com/
Who Does Real Time Resolutions Collect For?
RTR specializes in consumer loans across multiple categories. They collect on auto loans, student loans, mortgages, and credit card debts.
They acquire debts from original creditors when consumers fall behind on payments. RTR earns money by collecting these past-due accounts for other businesses.
If RTR appears on your credit report, they’ve likely purchased your debt. Your original creditor sold the account after you stopped making payments.
Real Time Resolutions Reviews From Consumers
Consumer experiences with RTR vary significantly across online platforms. You can find reviews on Google and the Better Business Bureau.
Some borrowers report positive interactions with RTR collectors. One consumer named Margaret shared her experience resolving a foreclosure:
“I had a really good experience with RTR everyone i spoke with was kind and very patient with me, since i called daily for updates on my foreclosure status. I want to thank everyone at RTR for always being professional helpful and patient. Thank you for helping me save my home.”
RTR collectors appear willing to work with consumers who communicate openly. Your willingness to engage directly impacts your ability to resolve the debt.
If phone negotiations feel overwhelming, our partner Solo offers digital settlement tools to negotiate online.
How Real Time Resolutions Affects Your Credit Score
RTR typically contacts you after your debt becomes significantly past due. Past-due accounts usually appear on your credit report before collection begins.
Collection accounts damage your credit score substantially. A lower score makes renting apartments, securing loans, and even landing jobs harder.
The collection account stays on your report for seven years. Even paying the debt changes the status from “unpaid” to “paid,” but doesn’t remove it.
Your Options When Real Time Resolutions Contacts You
Send a debt validation letter as your first response. Transferred debts often contain errors, missing information, or incorrect amounts.
The validation letter forces RTR to prove the debt is valid. They must show documentation that the debt belongs to you.
If they provide adequate proof, you can begin settlement negotiations. Our partner Solo helps you send settlement offers and manage counter-offers throughout the process.
Does Paying Real Time Resolutions Protect Your Credit?
Paying the full amount doesn’t erase the collection from your report. Your credit report status changes from “unpaid” to “paid,” but the entry remains.
The collection account still shows for seven years from first delinquency. Your credit score remains damaged during this entire period.
You can dispute incorrect or unverifiable items with credit bureaus. Professional credit specialists may help remove erroneous negative items more effectively.
Will a Goodwill Letter Help With Real Time Resolutions?
Real Time Resolutions doesn’t accept goodwill letters. They won’t remove collection accounts or charge-offs based on goodwill requests.
You need different strategies to address RTR collection accounts. Focus on debt validation and settlement negotiations instead.
How to Negotiate a Debt Settlement With Real Time Resolutions
You can negotiate settlement at any collection stage. Even after being sued, settlement remains an option.
Debt collectors often accept less than the full amount owed. Lump sum offers increase your chances of acceptance.
Settlement Negotiation Steps
Calculate your realistic payment amount. Determine how much you can pay while covering living expenses. Could you reasonably pay 50% of the balance?
Make your initial offer below your maximum. Start lower than your calculated amount. Room for negotiation helps you reach an agreement.
Use written communication only. Send a debt settlement letter with your offer. Keep all negotiations in writing for documentation.
Draft a settlement agreement. Once you agree on an amount, create a written agreement. Both parties should sign before payment.
Pay the agreed amount promptly. Honor your settlement terms exactly as written. Late payments can void your agreement.
Can You File a Claim Against Real Time Resolutions?
The Fair Debt Collection Practices Act protects you from collector abuse. You can file claims if RTR violates your FDCPA rights.
Successful FDCPA claims can award up to $1,000 in damages. Attorney fees may also be covered under FDCPA provisions.
Understanding your FDCPA rights helps you engage collectors effectively. RTR must follow strict rules when contacting you.
Do You Actually Owe Real Time Resolutions Money?
RTR’s claim doesn’t automatically mean you owe the debt. Several situations could make the debt invalid or unenforceable.
Common reasons debts aren’t valid:
- The statute of limitations has expired on the debt
- You already settled or paid the debt previously
- The debt belongs to someone else entirely
- RTR’s information about the debt contains errors
A debt validation letter forces RTR to verify all details. They must prove the debt is legitimate before proceeding.
If validation confirms the debt is yours, discuss settlement options. Mediation can help if they refuse settlement or file a lawsuit.
How to Handle Real Time Resolutions Collection Attempts
Stay calm when RTR contacts you about debt. Emotional reactions make rational problem-solving harder.
Request all future contact in writing immediately. Refuse to discuss debt details over the phone.
Send your debt validation letter right away. Don’t provide payment until you verify the debt’s validity.
Your FDCPA Protections Against RTR
RTR cannot call before 8:00 AM or after 9:00 PM. They must respect these time restrictions under federal law.
Collectors cannot use abusive, threatening, or harassing language. They cannot threaten arrest or criminal charges for unpaid debts.
File complaints if RTR violates FDCPA rules. Contact the Consumer Financial Protection Bureau or Better Business Bureau.
Document every interaction with RTR collectors. Save copies of letters, emails, and detailed phone conversation notes.
Responding to a Real Time Resolutions Lawsuit
File your Answer immediately after receiving lawsuit papers. Most states give you 14-35 days to respond.
Your Answer prevents RTR from winning a default judgment. Default judgments allow wage garnishment and bank account levies.
Three Ways to Respond to Allegations
Admit: You acknowledge the statement is completely true.
Deny: You state the allegation is false or incorrect.
Deny due to lack of knowledge: RTR didn’t provide enough information to verify.
Deny as many allegations as possible in your Answer. RTR must prove every claim they make against you.
If they lack documentation and evidence, they may drop the case. Many debt buyers have incomplete records from original creditors.
Common Affirmative Defenses Against RTR
Include affirmative defenses in your Answer document. These legal defenses can get your case dismissed.
Statute of limitations expired. Each state sets time limits for debt collection lawsuits. Never make payments on time-barred debts.
Debt doesn’t belong to you. RTR must prove ownership with proper documentation. Identity theft creates debts that aren’t legitimately yours.
Debt was already paid. Previous payment or settlement makes additional collection illegal. Provide evidence of prior payment.
Settlement Example With Real Time Resolutions
Lucas faced an RTR lawsuit in Texas for old credit card debt. He used our partner Solo to file his Answer and deny all allegations.
He raised the expired statute of limitations as an affirmative defense. Texas only allows four years for debt collection lawsuits.
RTR realized their weak case and voluntarily dismissed the lawsuit. Lucas avoided judgment without paying anything.
Getting Help With Real Time Resolutions
Lawsuits feel scary but you have solid options available. Affirmative defenses can force RTR to drop their case entirely.
Filing your Answer protects you from default judgment. Our partner Solo helps you respond to lawsuits and negotiate settlements simultaneously.
You don’t have to face Real Time Resolutions alone. Professional tools and services make resolving debt collection much easier.