How To Beat RMP Services and Protect Your Rights

RMP Services is a debt collector specializing in healthcare debts. They likely bought your past-due account from a healthcare provider. Before paying anything, you need to validate the debt. If the debt is legitimate, you probably need to pay. If you can’t afford the full amount, settlement is an option. RMP Services might sue you if you ignore them. Respond immediately by filing an answer form with your court.

Why RMP Services Is Contacting You

Receivables Management Partners LLC operates as RMP Services. They’re a third-party debt collection agency working exclusively with healthcare companies. They bought your debt from your healthcare provider for pennies on the dollar. Now they want to collect the full amount from you.

Do You Have To Pay RMP Services?

You might have to pay. Everything depends on whether they can validate your debt properly. You shouldn’t pay if they can’t prove the debt belongs to you. Dispute the debt rather than ignoring it.

If RMP validates the debt, you face serious consequences by not paying. They could sue you for wage garnishment or bank levies. Both options let them take money directly from your paycheck or bank account.

Can’t afford the full amount? Try negotiating a settlement with RMP Services instead. You can clear your debt without paying everything you owe.

How To Negotiate a Settlement With RMP Services

You have more negotiating power than you realize. Debt collectors often accept settlements because they profit regardless. They paid pennies for your debt, so any payment makes them money.

Start negotiations at 25% of the original amount. Most collectors settle between 40% and 60% of the original debt. Be ready for back-and-forth negotiations.

Step 1: Validate the Debt

Make sure the debt actually belongs to you. RMP Services must send you a validation letter under CFPB rules. You get 30 days to dispute the debt after receiving this letter. Request one immediately if they haven’t sent it.

Use the validation notice to confirm these details:

• The debt account belongs to you
• RMP Services legally owns the debt
• The debt amount is accurate

Need more information? Send a debt verification letter. A validation letter comes from the collector automatically. A verification letter is your request for additional proof.

Step 2: Calculate What You Can Pay

Review your monthly income and expenses before making any offer. Calculate how much money you have left over each month. The CFPB offers helpful budgeting worksheets to guide your planning process.

Need professional help? Contact our partner Cambridge Credit Counseling for a free consultation. They can help you create a realistic budget and payment plan.

Choose between a lump-sum payment or payment plan.

Lump Sum vs. Payment Plan

A lump sum works if you have savings available. You might also use a tax return or work bonus. Lump-sum offers typically result in lower settlement amounts.

Payment plans work better if you lack immediate funds. Calculate a monthly payment that fits your budget. Pick a realistic timeline you can maintain. Consider automatic bank withdrawals to show RMP Services you’re serious.

Step 3: Make Your Settlement Offer

Make your offer to RMP Services over the phone when possible. Phone negotiations often move faster than written correspondence. Document everything during your call.

Get any agreement in writing before paying anything. The written agreement should specify the settlement amount and payment terms. Never pay until you have this documentation.

How Medical Bills Affect Your Credit Score

Check your credit report when any account goes to collections. You can get free reports weekly at AnnualCreditReport.com.

Medical debt receives special treatment on credit reports. According to the CFPB, these medical debts shouldn’t appear:

• Medical collections under $500
• Paid medical collections accounts
• Medical collections less than one year old

Found incorrect medical debt on your report? You have the right to dispute it. Removing errors can boost your credit score significantly.

Want to rebuild your credit after dealing with collections? Our partner Kikoff helps you build credit with manageable monthly payments.

Can You Settle During a Lawsuit?

Yes, you can usually negotiate a settlement after being sued. You still must participate in the lawsuit until it’s dismissed. Show up to all court appearances until the case closes.

Tips for Successful Debt Settlement

Negotiating with debt collectors requires preparation and confidence. Arm yourself with knowledge before starting negotiations.

Key tips for successful settlement:

• Start your offer low, around 25% of the original debt
• Get everything in writing before paying anything
• Never give collectors access to your bank account
• Record all phone conversations where legally allowed
• Stay calm and professional during negotiations
• Don’t share unnecessary personal financial information
• Request debt validation before negotiating

Struggling with multiple debts? Our partner Cambridge Credit Counseling can help you create a debt management plan with lower interest rates.

How To Beat RMP Services in Court

Debt collectors don’t usually sue immediately. They prefer settling without court involvement. However, they can sue if you ignore their collection efforts.

You’ll receive a summons and complaint if they sue. These official court documents notify you of the lawsuit. Respond quickly to avoid serious consequences.

Don’t face a debt lawsuit alone. Our partner Solo helps you draft an answer for free or a small fee. They’ve helped over 234,000 people respond to debt lawsuits successfully.

Step 1: Read Your Summons Carefully

The summons alerts you to the lawsuit against you. It contains critical information you need for your answer form.

Your summons typically includes:

• Your case number
• Court name and address
• Information on all parties involved
• The nature of the lawsuit
• Your response deadline

The complaint lists the plaintiff’s claims against you. The plaintiff is RMP Services in this case. Claims usually appear in numbered paragraphs. Use this information to craft your answer.

Step 2: Complete Your Answer Form

Some courts provide answer form templates. Search your court’s name plus “answer form” or “court forms” online. Check if your court has a self-help section on their website.

Can’t find forms or instructions? Contact the court clerk for guidance. Clerks help you navigate court procedures but can’t give legal advice. They can’t tell you what to say in your answer.

Your answer form states your side of the lawsuit. You can raise defenses or affirmative defenses here. Learn more about defenses in debt collection lawsuits.

Step 3: File and Serve Your Answer

Check your summons for filing instructions. Most courts accept in-person or mail filing. Some courts allow e-filing or email submissions. Contact the court clerk if you’re unsure about your options.

You must also serve a copy on the plaintiff. Serving means delivering your answer to RMP Services. You can usually mail your copy using certified mail. Certified mail provides proof of delivery.

Miss your answer deadline? You could face a default judgment. Default judgments let RMP Services garnish wages or levy bank accounts immediately.