How to Settle Debt With RMP Services: Your Action Plan
RMP Services is a legitimate medical debt collector with over $1 billion in collections. You have multiple options when they contact you: validate the debt, negotiate a settlement, dispute inaccuracies, or respond to a lawsuit with a written Answer. Taking proactive action within the first 30 days gives you the strongest position to resolve the debt on favorable terms.
Answer RMP LawsuitYou received contact from RMP Services about an unpaid debt. You might feel anxious about what comes next. Take a deep breath. You have options to resolve this debt issue proactively.
We’ll cover everything you need to know about RMP Services. You’ll learn how to respond when they contact you. We’ll also explain what to do if they sue you.
Respond to RMP Services Before Your Court Deadline
You have as little as 14 days to file your Answer. Missing the deadline gives RMP Services a default judgment against you. Our partner Solo helps you draft and file a proper Answer in all 50 states.
File Your Answer NowWhat Is RMP Services?
RMP stands for Receivable Management Partners, LLC. The company is a legitimate debt collection agency based in Greensburg, Indiana. They operate six additional offices across Chicago, Indianapolis, Lansing, Zeeland, Reading, and Waco.
Here’s how to reach RMP Services:
- Phone Number: 1-800-541-1370
- Address: 8155 Executive Ct, Lansing, MI 48917, United States
- Website: https://www.receivemorermp.com/
- Email: sales@ReceiveMoreRMP.com
Who Does RMP Services Collect For?
RMP Services specializes in medical debt collection. They provide healthcare revenue cycle management services to over 30,000 physicians. The company also works with more than 200 hospitals nationwide.
Is RMP Services a Legitimate Company?
Yes, RMP Services is a legitimate debt collector. The Better Business Bureau gives them an A+ rating. That’s impressive for a debt collection agency.
What Do Online Reviews Say About RMP Services?
Consumer experiences with RMP Services vary widely. Some borrowers report professional, helpful interactions. Others share negative experiences with the collection process.
One reviewer named Jackson shared his positive experience. He owed the debt and decided to call RMP Services. Each agent he spoke with treated him professionally and helpfully. He paid what he owed and received a prompt receipt. RMP Services kept their word and updated all three credit bureaus.
Jackson’s story proves an important point. Proactive communication with debt collectors increases your chances of resolution. You may achieve similar results by engaging directly with RMP Services.
How to Negotiate a Debt Settlement With RMP Services
RMP Services filed a lawsuit against you. You still have time to negotiate a debt settlement. Responding to the lawsuit serves two critical purposes. First, you avoid a default judgment. Second, you gain additional time for settlement negotiations.
Follow these steps to settle your debt:
- File an Answer to the debt collection lawsuit immediately. Meet your state’s deadline to protect your rights.
- Calculate how much you can realistically pay. Use this formula: Amount available = (monthly income – monthly costs) + savings. Don’t compromise your ability to pay rent, utilities, food, or gas.
- Contact RMP Services with your settlement offer in writing. Start with a lower offer than your maximum budget. You’ll need room to negotiate.
- Prepare for multiple rounds of negotiation. Debt collectors rarely accept the first offer.
- Get the final settlement agreement in writing. Don’t rely on verbal promises or phone conversations.
Consumer rights attorney John Skiba recommends documenting every interaction. Keep records of all phone calls, emails, and letters. Written evidence protects you if disputes arise later.
How to Respond When RMP Services Contacts You
Collection agencies pursue debts relentlessly. RMP Services claims they’ve collected over $1 billion in five years. They won’t stop contacting you unless you take action.
You have five strategic options:
- Request all communications in writing
- Send a cease and desist letter
- Ask RMP Services to validate the debt
- Dispute the debt if inaccurate
- Negotiate a payment plan
Each option serves a specific purpose. Choose the one that fits your situation best.
Request Everything in Writing
Tell RMP Services to communicate only through mail or email. Written communication creates a paper trail. You can track the entire process and identify potential legal violations. Written records also strengthen your position if the case goes to court.
Send a Cease and Desist Letter
You’ve asked RMP Services to stop calling multiple times. Now you can send a formal cease and desist letter. The letter legally requires them to stop contacting you.
Be strategic with this approach. Address the debt directly in your letter. Confirm whether you owe it and outline your payment plans. Ignoring the debt after sending a cease and desist letter often results in a lawsuit.
Request Debt Validation
You have 30 days from RMP Services’ first contact to request debt validation. Send a debt validation letter asking them to verify the debt belongs to you.
The validation letter requests specific information about the debt. RMP Services must provide details about the original creditor. They must also include a statement about your right to dispute inaccuracies.
RMP Services cannot validate the debt? They must stop contacting you about it immediately.
Dispute Inaccurate Debt Information
The debt seems unfamiliar or the amounts look wrong. Dispute the debt with credit bureaus immediately.
Start by requesting your credit reports from TransUnion, Experian, and Equifax. Identify errors on each report. Send dispute letters to the bureaus with highlighted inaccuracies.
Credit bureaus investigate disputes within 30 days. They’ll correct errors or remove the debt entirely if evidence supports your claim.
Negotiate a Payment Plan
Never admit to owing a debt before receiving full documentation. Wait until RMP Services provides complete information in writing. Review their validation notice carefully.
The debt is legitimate and accurate? Negotiate for a lower amount than the original balance. Debt collectors often accept reduced settlements. Confirm your final agreement in writing before making any payments.
Avoid disputing debts you know are genuinely yours. Bad faith disputes damage your credibility with collectors. RMP Services may refuse to negotiate and proceed directly to litigation.
If you’re dealing with multiple debts or need help negotiating, our partner Solo can guide you through the settlement process.
How to Respond to an RMP Services Lawsuit
Ignoring RMP Services led to a lawsuit. You still have a chance to beat them in court. Your response determines the outcome of this case.
Your first step is filing a written Answer to the lawsuit. You have 14 to 35 days to submit your Answer. The deadline depends on your state’s court rules. Missing the deadline allows RMP Services to request a default judgment. Default judgments give them power to garnish your wages, freeze your bank account, and seize property.
Six Tips for Drafting Your Answer
Your Answer document requires specific formatting and content. Follow these six guidelines:
- Keep responses simple and direct. Don’t tell your detailed story in the Answer. Respond to each claim in the Complaint. You can admit, deny, or deny due to lack of knowledge.
- Deny as many claims as possible. Most attorneys recommend denying claims whenever appropriate. Denials force RMP Services to prove their case with evidence.
- Include affirmative defenses. Affirmative defenses are legal reasons RMP Services shouldn’t win. The statute of limitations is a common defense. The statute of limitations sets a time limit for filing lawsuits. Debts past this deadline cannot be collected through court action.
- Use proper document formatting. Include a caption at the top of your Answer. List the court information, party names, and case number. Follow your court’s specific style requirements.
- Add a certificate of service. Serve your Answer to RMP Services’ attorney. Include a certificate of service at the end of your document. The certificate verifies the address you used to serve the opposing party.
- Sign your Answer. Courts reject unsigned legal documents. Your signature validates the entire document.
Responding to a lawsuit protects your rights and creates settlement opportunities. Our partner Solo helps you draft and file Answers in all 50 states. You can respond to RMP Services professionally and meet your court deadline.