How to Resolve Debt With Receivables Performance Management
Receivables Performance Management is a major debt collector, but you have rights under the FDCPA. Always validate the debt before paying, deny allegations if sued, and negotiate settlements in writing. Never admit fault or share personal information during initial contact.
Answer RPM's LawsuitYou cringe when the phone rings. Repeated calls from debt collectors drain your energy. Ignoring them won’t make the problem disappear.
Our partner Solo can help you resolve your debt with Receivables Performance Management.
RPM Sued You? Respond in 15 Minutes
Don't let RPM win by default. File your Answer before the court deadline and protect your wages from garnishment.
Respond to RPM NowHere’s how to handle RPM and eliminate your stress.
Who Is Receivables Performance Management?
Receivables Performance Management (RPM) is a major debt collection agency. They specialize in collections for credit cards, auto loans, telecom, and healthcare debts.
You can contact RPM through these channels:
- Mailing Address: 20818 44th Ave W., Suite 140, Lynnwood, WA 98036
- Phone: 866-269-9306
- Email: escalations@receivablesperformance.com
The Better Business Bureau does not rate or accredit RPM.
What Industries Does RPM Target?
RPM collects debts across multiple industries:
- Credit cards
- Auto finance
- Telecommunications
- Healthcare
- Other consumer debts
What to Avoid When RPM Contacts You
Certain mistakes can hurt your case. Avoid these common errors when dealing with debt collectors.
Don’t Panic
Collectors may emphasize severe consequences. Stay calm and think clearly. Fear leads to bad decisions.
Don’t Admit Fault
Never admit the debt is yours, even if you know it’s legitimate. Admitting fault can waive your rights to negotiate. Simply avoid taking responsibility.
Don’t Give Personal Information
Never share personal or financial details with collectors. Legitimate collectors already have what they need. Scammers masquerade as collectors to steal your information.
What to Do When RPM Contacts You
Protecting yourself isn’t enough. You need an action plan.
Know Your FDCPA Rights
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA). You can report violations to the FTC or CFPB if collectors:
- Call before 8:00 a.m. or after 9:00 p.m.
- Threaten you with violence or arrest
- Call multiple times daily
- Discuss your debt with family or coworkers
- Lie about the debt
- Ignore debt validation requests
- Contact you about debts you don’t owe
- Impersonate a lawyer
- Contact you after a cease-and-desist letter
File complaints with the FTC at ftc.gov or call 877-382-4357. Report to the CFPB at consumerfinance.gov or call 855-411-2372.
Ask Clarifying Questions
Ask more questions than you answer. Gather important details during the first call:
- The debt collector’s full name
- Complete company information
- RPM’s contact details
- Specific debt details
Take detailed notes and record the date. Documentation helps you follow up effectively.
Send a Debt Validation Letter
Mail a debt validation letter to RPM. They must provide written documentation showing:
- The original debt amount
- Payments you’ve made
- The remaining balance
- Original creditor information
You have 30 days to dispute the debt or request more information.
What If RPM Sues You?
Lawsuits are stressful, but you can represent yourself. Our partner Solo guides you through preparing an Answer to improve your court chances.
Never ignore your court date. Failing to appear means automatic loss. RPM can then garnish your wages for the full debt amount.
Six Tips for Filing Your Answer
File your written Answer with the court quickly. Follow these guidelines:
- Don’t give your detailed story yet. The burden of proof lies with RPM. Too many details can weaken your case.
- Deny each allegation in the Complaint. Attorneys recommend denying as many claims as possible.
- Include affirmative defenses. These are legal reasons why RPM’s case is invalid.
- Use standard formatting and font. Include a caption with court information and case number.
- Add a certificate of service. Certify you sent RPM a copy of your Answer.
- Sign your Answer. Courts reject unsigned documents.
Our partner Solo helps you draft a proper Answer in under 15 minutes.
How to Settle Debt With RPM
Settling can resolve your debt faster. Follow these steps for successful negotiation.
- Review the total debt amount and added fees. Check the date of last activity to verify the statute of limitations hasn’t expired.
- Analyze your finances honestly. Decide your maximum settlement amount. Offer slightly less to leave negotiation room.
- Contact RPM directly to begin negotiations. Be honest about why you need to settle.
- Get everything in writing. Ensure both parties sign a settlement agreement.
- Make the agreed payment promptly.
Our partner Solo helps you draft settlement correspondence and manage negotiations securely.
Read These RPM Reviews Before Negotiating
Online reviews reveal how other consumers dealt with RPM. Reviews are mixed but informative.
- Better Business Bureau reviews show common complaints
- CFPB consumer database contains detailed experiences
- Google reviews provide recent feedback
Many reviews show that consumers who engage with RPM find solutions. One reviewer named Paul noted:
“No one likes being called by collectors but these guys over at Receivables Performance Management are doing something right. I must hand it to these guys they were creative yet still professional in their collection effort. Thank you RPM.”
Debt collectors aren’t your favorite people. But if you answer RPM’s calls and negotiate, you’ll likely find a solution.
Take Action Against RPM Today
You have more power than you think. Understanding your rights changes everything.
Validate the debt before making any payments. Negotiate from a position of knowledge. Respond to lawsuits promptly to protect your wages.
Don’t face RPM alone. Professional help makes the process easier and less stressful.