How to Resolve a Debt With JP Receivables Management Partners
JP Receivables Management Partners specializes in medical debt collection and must prove any debt they claim you owe. You have the right to request validation, negotiate settlements for less than the full balance, and protect yourself from harassment. If JP RMP sues you, responding quickly with a proper Answer can force them to prove their case or settle on better terms.
Answer JP RMP LawsuitJP Receivables Management Partners (JP RMP) specializes in collecting medical debts. The company previously operated as JP Recovery Services. If JP RMP contacts you, you have powerful rights under federal law.
You can challenge their claim and potentially settle for less than you owe. Here’s how to handle JP Receivables effectively.
Being Sued by JP Receivables? Respond in Minutes
Don't let JP RMP win by default. File your Answer now and force them to prove their case in court. Attorney-reviewed responses filed directly with the court.
Start Your AnswerUnderstanding JP Receivables Management Partners
JP Recovery Services rebranded as JP Receivables Management Partners in recent years. The agency is owned by Meduit, a collection company serving hospitals and health systems.
JP RMP uses AI-powered technology to collect outstanding medical bills. They also pursue debts related to banks, retail, education, utilities, and government accounts.
The company has received numerous complaints through the Better Business Bureau. The Consumer Financial Protection Bureau database shows dozens of complaints against JP RMP.
Many consumers report being contacted about debts they already paid or never owed. You don’t have to accept their word as truth.
Request Debt Validation From JP RMP
Your first move should always be requesting debt validation. The Fair Debt Collection Practices Act (FDCPA) gives you this right.
Send a written request asking JP RMP to prove the debt is yours. Your letter should demand documentation showing the original creditor, amount owed, and account details.
JP RMP must stop collection activity if they can’t validate the debt. They cannot continue calling or sending letters without proof.
How to Send a Debt Validation Letter
Send your validation request in writing within 30 days of first contact. Our partner Solo can help you create a proper validation letter quickly.
Include these elements in your letter:
- Your name and account number JP RMP references
- A clear request for debt validation
- Request for documentation from the original creditor
- Statement that you dispute the debt
- Request to cease contact until validation is provided
Mail your letter to JP RMP at this address:
JP Receivables Management Partners
20220 Center Ridge Rd, Suite 200
Rocky River, Ohio 44116
Keep copies of everything you send. Use certified mail with return receipt requested.
What Happens After You Request Validation
JP RMP must respond with proper documentation or stop collecting. They cannot report the debt to credit bureaus during validation.
If they can’t validate, they must remove the debt from your account. If they do validate, you’ll receive documents proving the debt’s legitimacy.
Review validation documents carefully. Check that amounts match and dates align with your records.
Negotiate a Settlement With JP Receivables
Once JP RMP validates the debt, you can negotiate payment terms. Collectors often accept less than the full balance.
Contact JP RMP at (800) 366-0109 or email inquiry@jprmp.com. Stay calm and professional during all conversations.
Settlement Strategies That Work
Start by offering 40-50% of the total debt as a lump sum. Collectors typically accept settlements between 60-80% of the balance.
Explain your financial hardship honestly. Mention any circumstances that limit your ability to pay in full.
Request a payment plan if you can’t afford a lump sum. Many collectors will accept monthly installments over 6-12 months.
Never give JP RMP direct access to your bank account. Make payments through money orders or certified checks.
Get Your Settlement Agreement in Writing
Never pay without a written settlement agreement first. The document should specify the settlement amount and release terms.
Your agreement must state that payment satisfies the entire debt. JP RMP should agree to mark the account “paid as agreed” or “settled.”
The letter should come on JP RMP letterhead with an authorized signature. Review every term before sending payment.
Our partner Solo helps you negotiate settlements and manage documentation securely. The software sends offers back and forth until you reach an agreement.
Verify Credit Report Updates
Check your credit reports after settling with JP Receivables. The account should reflect your settlement within 30-45 days.
Get free credit reports from all three bureaus at AnnualCreditReport.com. Look for the JP RMP account in your collections section.
The account should show “paid” or “settled” status. Contact JP RMP immediately if they don’t update properly.
Dispute any errors with the credit bureaus in writing. Include your settlement agreement as proof of payment.
Know Your Rights Under the FDCPA
The Fair Debt Collection Practices Act protects you from abusive collection tactics. JP RMP must follow strict rules when contacting you.
JP RMP Cannot Do These Things
- Call before 8 AM or after 9 PM
- Contact you at work if you’ve said it’s prohibited
- Harass, threaten, or use profane language
- Discuss your debt with family, friends, or employers
- Threaten actions they cannot or will not take
- Misrepresent the amount you owe
- Continue contacting you after you request they stop
Document every violation you experience. Record call dates, times, and what was said.
You can sue collectors who violate the FDCPA. You may recover up to $1,000 plus attorney fees and actual damages.
What to Do If JP RMP Sues You
JP Receivables may file a lawsuit to collect the debt. You must respond to avoid a default judgment.
You typically have 20-30 days to file an Answer with the court. The summons will specify your deadline.
Your Answer should respond to each claim in the complaint. Admit what’s true, deny what’s false, and state what you don’t know.
Our partner Solo walks you through creating a proper Answer. An attorney reviews your document before filing with the court.
Filing an Answer forces JP RMP to prove their case. Many collectors drop lawsuits when consumers respond properly.
You can still negotiate a settlement after being sued. Collectors often prefer settling over going to trial.
Medical Debt Collection Rules
Medical debts receive special treatment under recent regulations. Credit bureaus must wait longer before reporting medical collections.
Medical debts under $500 won’t appear on your credit reports at all. Paid medical collections must be removed immediately.
Unpaid medical debts now have a one-year waiting period before credit reporting. Previously, the wait was only six months.
These rules apply to all medical debt collectors, including JP RMP. Check that they comply with current regulations.