How to Resolve Debt With RTR Financial Services
RTR Financial Services collects medical debt in New York, New Jersey, and Connecticut. You can challenge their claims by requesting debt verification, responding to lawsuits properly, and negotiating settlements for far less than you owe.
Answer Your LawsuitHealthcare costs can crush your budget even with insurance. When you fall behind on medical bills, RTR Financial Services might start calling.
Don’t panic. You can resolve your debt without facing a lawsuit.
RTR Financial Services Sued You? Respond Now
Don't let RTR win by default. You have limited time to file your Answer. Our partner Solo helps you respond to lawsuits and negotiate settlements that save you thousands.
Respond to RTR LawsuitHere’s how to respond to RTR Financial Services and move forward.
What Is RTR Financial Services?
RTR Financial Services, Inc. is a debt collector specializing in healthcare accounts. The company operates in New York, New Jersey, and Connecticut.
You’re hearing from RTR because you have unpaid medical debt. They’re trying to collect what you owe.
Is RTR Financial Services Legitimate?
RTR Financial Services is a legitimate company. They hold accreditation from the Better Business Bureau.
The BBB shows relatively few complaints against RTR. However, the Consumer Financial Protection Bureau database reports dozens of consumer complaints.
Many complaints claim RTR contacted them about invalid debt. Others say the company refused to verify debts properly.
Always validate your debt before paying anything. You have that right.
How to Contact RTR Financial Services
You can reach RTR Financial Services at their headquarters:
- Address: 2 Teleport Drive, Suite 302, Staten Island, NY 10311
- Phone: 718-668-2881
- Website contact form available
- Dedicated dispute submission page online
How to Respond to RTR Financial Services
Your response strategy needs three key components. Report violations, respond to lawsuits, and request verification.
Each step protects your rights and strengthens your position.
Report Rights Violations
Debt collectors must follow strict rules. The Fair Debt Collection Practices Act protects you from harassment.
RTR Financial Services cannot legally:
- Call you more than once daily
- Hide their identity as debt collectors
- Contact you before 8 a.m. or after 9 p.m.
- Threaten arrest for unpaid debt
- Refuse to validate your debt
- Tell others about your debt
- Contact you after receiving a cease and desist letter
- Use vulgar or offensive language
Document every violation you experience. Report RTR to the Federal Trade Commission at 877-382-4357.
You can also file complaints with the Consumer Financial Protection Bureau at 855-411-2372.
Respond to a Lawsuit Immediately
The FDCPA protects you from harassment but not lawsuits. Never ignore a debt collection lawsuit.
Failing to respond leads to a default judgment. The court can award RTR their legal fees and collection costs.
You must file an Answer with the court. Your Answer shows you’re willing to fight the lawsuit.
Act fast because some jurisdictions require responses within two weeks. Our partner Solo can help you prepare and file your Answer quickly.
Your Answer should address each claim RTR makes. Challenge any inaccurate information or improper collection attempts.
Request Debt Verification
Debt collectors often pressure you for immediate payment. Resist this pressure completely.
Demand that RTR prove the debt belongs to you. Request a Debt Validation Letter in writing.
Your validation letter should include:
- Your original creditor’s name
- The date the debt occurred
- Original debt amount
- Current balance remaining
- Proof connecting you to this debt
- Recent payment history if applicable
RTR must prove you owe this specific debt. Without proof, they may back off completely.
Strong verification challenges can win cases in court. Never admit the debt is yours until you see proof.
Settle Your Debt for Less
Debt collectors prefer settlement over court battles. Lawsuits cost them time and money.
You can often resolve medical debt for far less than the original balance.
Start your settlement offer at 60% of the total debt. RTR will likely reject this initial offer.
They’ll counter with their own number. Continue negotiating until you reach an acceptable amount.
Our partner Solo can handle negotiations on your behalf. You won’t need to speak directly with RTR.
The platform manages all communication electronically. Once you agree on an amount, payment gets arranged automatically.
Real Settlement Example
Stephen assumed his insurance covered his entire medical bill. He was shocked when RTR Financial Services contacted him about unpaid debt.
Stephen demanded proof of the debt immediately. The validation letter confirmed he owed the remaining balance his insurance didn’t cover.
He offered to pay 60% of the total balance. RTR rejected this offer but countered with 65%.
Stephen accepted the 65% settlement. He avoided a lawsuit and saved 35% on his medical debt.
Protect Your Rights While Resolving Medical Debt
Medical debt affects millions of Americans every year. RTR Financial Services has limited power when you know your rights.
Always verify debt before making any payments. Challenge inaccuracies immediately and document all communications.
If RTR sues you, respond with a proper Answer. Settlement negotiations can dramatically reduce what you owe.
You can resolve this debt and move forward financially. Action today prevents bigger problems tomorrow.