How to Respond to a Superlative RM Debt Collector

What is Superlative RM?

Superlative RM is a debt collection company based in Elk Grove, California. They collect debts for businesses across multiple industries.

The company works with small businesses, major corporations, financial institutions, and healthcare providers. You might receive calls from them about various types of debt.

Is Superlative RM legit?

Superlative RM is a legitimate business, not a scam. A U.S. Marine Corps veteran founded the company.

However, consumers have filed numerous complaints. The Better Business Bureau lists 53 complaints as of November 2023. The Consumer Financial Protection Bureau shows 28 complaints during the same period.

Common complaints include:

• Contacting consumers about illegitimate debts
• Calling friends or family members about your debt
• Failing to properly verify debt ownership
• Aggressive collection tactics

Document any incidents where the company violates your rights. Keep records of unauthorized third-party contacts or unverified debt claims.

How to contact Superlative RM

You can reach Superlative RM through several methods:

• Phone: 888-441-4544
• Email: customercare@superlativerm.com
• Mail: P.O. Box 967, Elk Grove, CA 95759-0967

Always communicate in writing when possible. Written records protect your rights and provide evidence if needed.

Has Superlative RM violated your rights?

Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA). You have legal protections against abusive collection practices.

Superlative RM cannot legally:

• Fail to identify themselves as a debt collector
• Contact you multiple times per day
• Tell friends, family, or coworkers about your debt
• Call before 8 a.m. or after 9 p.m.
• Threaten arrest or imprisonment for unpaid debt
• Use vulgar or offensive language
• Contact you after receiving a Cease and Desist Letter
• Refuse to validate your debt

Report violations to the Federal Trade Commission at 877-382-4357. You can also file complaints with the Consumer Financial Protection Bureau at 855-411-2372.

Documentation is crucial. Record dates, times, and details of every interaction with collectors.

File an Answer to a debt lawsuit

Ignoring a debt collection lawsuit is the worst possible response. Superlative RM or the creditor they represent may sue you in court.

You must file an Answer document with the court quickly. Your Answer shows you’re willing to defend yourself and challenge the debt.

Deadlines vary by jurisdiction, but some courts give you just two weeks. Missing the deadline results in a default judgment against you.

A default judgment means:

• You owe the full debt amount
• The creditor may collect legal fees
• You lose negotiation leverage
• Wage garnishment becomes possible

Our partner Solo helps you respond to lawsuits properly. You can draft and file your Answer before the court deadline.

Make sure the debt is yours

Never assume a debt collector has accurate information. Mistakes happen frequently in the debt collection industry.

Send Superlative RM a Debt Validation Letter immediately. Request specific information about the alleged debt.

Your validation letter should demand:

• The identity of your original creditor
• The amount of your original debt
• The dates of any payments made
• The amount of debt still remaining
• Evidence conclusively linking you to the debt

Debt collectors sometimes cannot provide adequate proof. Requesting validation can end collection attempts immediately.

Without proper documentation, Superlative RM cannot prove their case in court. You gain a stronger defense position when they fail to validate.

What happens during debt validation?

Superlative RM must stop collection activities while verifying your debt. They cannot call you or report the debt to credit bureaus.

The company has 30 days to respond to your validation request. If they cannot provide proof, they must cease collection efforts permanently.

Keep copies of all correspondence. Documentation proves you followed proper procedures to protect your rights.

Settle your debt with Superlative RM for less

Debt collectors prefer settlements over lengthy court battles. You can negotiate a reduced payment amount directly with Superlative RM.

Start by offering 60% of the original debt amount. Collectors often accept reduced settlements to close accounts quickly.

Superlative RM may reject your initial offer. You can counter their response until reaching a mutually acceptable amount.

Our partner Solo facilitates negotiations without direct collector contact. You communicate through a secure platform instead of phone calls.

Example settlement scenario

Edward ignored Superlative RM calls for weeks, assuming the debt wasn’t his. He received a lawsuit summons and had to act quickly.

He responded to the lawsuit with a proper Answer document. Edward then sent a debt validation letter to Superlative RM.

The debt turned out to be a forgotten medical bill. Edward negotiated a settlement through a third-party platform.

He offered 60% of the original amount. Superlative RM countered at 63%, which Edward accepted.

Edward avoided court, saved money, and resolved the debt permanently. He never spoke directly with aggressive collectors.

Protect your rights as a consumer

You have legal protections against abusive debt collection practices. Know your rights under the FDCPA and state laws.

Document every interaction with Superlative RM. Save letters, emails, and detailed notes about phone calls.

Never agree to pay a debt before verifying it belongs to you. Debt collectors make mistakes and pursue wrong people regularly.

Respond to lawsuits immediately to preserve your negotiation power. Default judgments eliminate your ability to settle for less.

You can fight back against unfair collection practices. Take action to protect your financial future and legal rights.