How To Deal With RMP Services Medical Debt Collection
RMP Services is a legitimate medical debt collector that you should take seriously. Validate the debt first, then choose whether to dispute it or negotiate a settlement for less than you owe. Taking action quickly gives you more control and better options than ignoring their contact.
Get Payment Plan HelpReceivables Management Partners LLC (RMP Services) is a legitimate debt collection agency. They focus on medical debt collection. If RMP Services contacts you, validate the debt first.
Once you verify the debt belongs to you, choose your next move. You can dispute the debt if information is incorrect. You can also negotiate to pay a lower amount.
Struggling With Multiple Medical Bills From RMP Services?
Cambridge Credit Counseling can help you consolidate RMP medical debts into one manageable monthly payment with lower interest rates. Get a free consultation today and stop collection calls.
Lower Your Medical Debt PaymentsWhat Is RMP Services?
Receivables Management Partners LLC (called RMP Services) is a debt collection agency. They collect unpaid medical bills and healthcare-related debts from consumers.
RMP Services is part of Meduit. Meduit helps hospitals and healthcare providers manage billing and collections.
RMP’s main office is in Indianapolis, Indiana. They also have locations in Chicago, Greensburg, Lansing, Reading, and Waco.
Here is RMP’s contact information:
Mailing address: PO Box 630844 Cincinnati, OH 45263-0844
Phone number: (800) 466-1320
Why Is RMP Services Contacting Me?
RMP Services is reaching out to collect a past-due medical bill. Hospitals, doctor’s offices, or healthcare providers bring in debt collection agencies when bills remain unpaid.
Many people are surprised to hear from companies like RMP. They often didn’t know their bill had been sent to collections.
RMP is a third-party debt collector. Your healthcare provider hired them to collect the balance. Once RMP takes over your account, you’ll work with them, not your original provider.
Is RMP Services Legit?
Yes, RMP Services is a legitimate debt collection company.
As of late 2025, RMP is accredited by the Better Business Bureau (BBB). They have an A+ rating. However, they’ve received 261 complaints through the BBB in three years. They currently have a 1.2 out of 5-star customer rating.
The Consumer Financial Protection Bureau (CFPB) received 166 complaints in the last year.
Most complaints involve common debt collection issues. People report being contacted about debts they don’t recognize or believe are incorrect. RMP receives fewer complaints than many other large agencies.
The Fair Debt Collection Practices Act (FDCPA) protects you from harassment and false statements. If you believe a collector violated your rights, you can file a complaint with the CFPB.
How Do I Know if I’m Being Scammed?
Telling if a debt collection call or letter is real isn’t always easy. Scammers sometimes pretend to be from legitimate companies like RMP. They trick people into sending money or sharing personal information.
Watch out for red flags. Be cautious if someone pressures you to pay immediately. Be wary if they refuse to give debt details. Never share your bank account or Social Security number without verification.
If you think someone is trying to scam you, report them. You can file a report with the Federal Trade Commission (FTC).
Do I Have To Pay RMP Services?
Maybe, but ask RMP to validate the debt first. Debt collectors don’t always have complete or accurate information. Make sure the debt is really yours before paying.
A debt validation notice from RMP should include:
- Who currently owns the debt
- The amount you allegedly owe
- Basic details about the account
- Information about your right to dispute the debt
Step 1: Send a Debt Verification Letter
If you haven’t received a debt validation letter from RMP Services, request one. You also have the right to send them a debt verification letter. Ask for more details about the debt.
Here’s the difference between the two:
Debt Validation Vs. Debt Verification Letters
A debt validation letter is something the debt collector must send you. They must send it before or within five days of first contact. The letter gives you information to help figure out if the debt is yours. It explains your right to dispute the debt within 30 days.
A debt verification letter is a letter you send to the debt collector. People send this if they didn’t receive a validation notice. They also send it if they want more details before deciding next steps.
If you dispute the debt within 30 days, the collection agency must pause collection efforts. They must stop phone calls, letters, and emails until they respond to your dispute.
Step 2: Decide What To Do Next
If you’ve confirmed the debt is accurate, decide how to move forward. The three main options are:
- Dispute the debt if something doesn’t look right
- Try to pay less by negotiating a settlement
- Ignore the debt (not recommended)
Option 1: Dispute the Debt
If you disagree with the amount or any detail, dispute the debt. The validation letter should include instructions on how to do it.
Errors in a debt collector’s records can show up on your credit report. Credit reports play a big role in your financial life. They affect your ability to get loans, housing, credit cards, and some jobs. Removing inaccurate negative information may improve your credit score over time.
Many people review their reports from all three major credit bureaus: Experian, Equifax, and TransUnion.
If you see something that doesn’t look right, file a dispute. File directly with the credit bureau. Some people also send a 609 letter to request more information.
You can check your credit reports for free every week. Visit AnnualCreditReport.com.
Option 2: Negotiate the Debt and Make a Settlement Offer
If the debt is valid but you can’t afford the full amount, negotiate. Try to pay a lower amount. This is called debt settlement. It’s especially common with medical bills.
Since RMP Services collects on behalf of healthcare providers, they may have flexibility. They may settle the account for less than the full balance. Some people settle debts for 40% to 60% of the original amount owed.
If you decide to negotiate, start with a lower offer. Be prepared for a counteroffer. You’ll likely land somewhere in the middle.
If you need help managing multiple medical debts, our partner Cambridge Credit Counseling can help you create a payment plan. They can help lower your interest rates across multiple accounts.
Option 3: Ignore the Debt (Not Recommended)
Ignoring a debt is technically an option. However, it often leads to more stress, not less.
Debt collectors are persistent. Their phone calls and letters can be overwhelming. Avoiding contact won’t make the debt go away. It can make things worse and may lead to legal action.
What Happens if I Ignore RMP Services?
If you truly owe the debt and don’t pay RMP, your credit score will take a hit. The total balance may grow over time as interest and fees are added.
Ignoring the debt could lead to a lawsuit. If the collector sues and wins in court, they may get a judgment. They can garnish your wages or use other legal methods to collect.
Most negative marks drop off your credit report after seven years. However, the debt itself doesn’t disappear. Collectors can continue trying to recover money as long as the statute of limitations hasn’t expired.
Bottom line: You have more power than you think. Facing the debt head-on puts you in control of what happens next.
Can RMP Services Sue Me?
Yes, RMP Services can sue you to collect a debt. It doesn’t happen in every case. If they haven’t been able to reach you or resolve the account, they may take legal action.
Debt collectors consider several factors before filing a lawsuit. These include how much you owe and how long the debt has been in collections. They also consider whether your state’s wage garnishment laws make collection easier or harder.
If you are sued, you’ll receive official court papers. These are called a summons and complaint. They’re usually delivered in person or left with another adult at your home.
Responding is important. Ignoring a lawsuit can lead to a default judgment. That might allow the collector to garnish your wages or freeze your bank account.
If you’re not sure how to respond and hiring a lawyer isn’t an option, our partner Solo can help you draft an answer. They’ve helped over 300,000 people respond to debt lawsuits.