How to Settle With Real Time Resolutions

George Simons | January 23, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Real Time Resolutions is a debt collection agency. If they have contacted you about a debt, or are threatening to sue you, Solo can help you file an Answer and engage with Real Time Resolutions to resolve your debt issue.

Dealing with debt collectors can be stressful, exhausting, and awkward.. People often avoid their calls because they fear what they will say. You are not powerless. Knowing your rights can help you deal with calls and other forms of contact from a debt collection agency.

Settle debt with Real Time Resolutions

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Real Time Resolutions?

Real Time Resolutions is a debt collection agency. Based in Dallas, TX, this company is also a full-service loan servicing and recovery organization.

They were established in 2000 and initially served as a collection agency and asset servicer for assets connected to real estate. They have since expanded to cover more varieties of third-party debt.

Below is Real Time Resolutions’ phone number and other contact information:

Who does Real Time Resolutions collect for?

Real Time Resolutions specializes in consumer loans, including auto, student, mortgage, credit cards, and others. If RTR appears on your credit report, it’s likely they have acquired your debt from another creditor.

Real Time Resolutions acquires debt from various creditors. The debt is obtained from the original creditor (a credit card or a loan company) and then passed on to Real Time Resolutions if the consumer fails to pay the debt. RTR debt collectors get paid to collect debts on behalf of other businesses, even when they do not own the debt themselves.

Read Real Time Resolutions reviews online

If you are looking for information about what consumers have said regarding their experience with Real Time Resolutions on an unpaid debt, then take a moment to read these reviews:

While online reviews for Real Time Resolutions are pretty mixed, there are some reviews that indicate consumers can have a pleasant experience communicating with Real Time Resolutions collectors to resolve debt. Let’s consider a real example from a borrower named Margaret:

“I had a really good experience with RTR everyone i spoke with was kind and very patient with me, since i called daily for updates on my foreclosure status. I asked a million questions and asked for emails constantly. After all I did owe the money and i knew it was a matter of time before it showed up!!! I want to thank everyone at RTR for always being professional helpful and patient. Thank you Delesha R ,Erica, Jill W, Lee A, Morgan C and Keven W for helping me save my home. I am truly grateful to you all.”

This review shows that debt collectors from Real Time Resolutions are open to working with you to resolve your concerns and get your debt paid in a manner that works for you and your current financial situation. Communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Can collections from Real Time Resolutions affect my credit score?

When Real Time Resolutions becomes involved, the odds are high that the debt is already significantly past-due. Past-due debts are usually reported to one or more of the three credit reporting bureaus. They can substantially damage your credit score, making it more challenging to get a loan or rent housing, and can even impact your ability to get a job.

What are my options when contacted by Real Time Resolutions?

The first response, when contacted by a debt collector, should be to send a Debt Validation Letter. In reality, debts that are transferred from the original owner to another party often have erroneous or missing information. The Debt Validation Letter forces the debt collector to prove that the debt is valid and belongs to you.

If Real Time Resolutions responds with adequate proof that the information they have about the debt is accurate, you can use Solosettle to send a settlement offer and kickstart negotiations with Real Time Resolutions. You may go through several rounds of counter offers before reaching an agreement, but SoloSettle helps with the entire process.

Will paying a valid debt to Real Time Resolutions spare my credit rating?

It might seem like paying your debt in full might seem like the right choice to protect your credit rating. One significant issue exists - when a loan in collections is paid off, the status of your credit report changes from "unpaid" to "paid," but the collection is still shown for seven years (from the date of first delinquency). This can result in a bad credit rating.

While you can always dispute incorrect, incomplete, unverifiable, unauthorized, or fraudulent negative items from the credit bureaus, there are instances when it is preferable to have a credit specialist help you.

Will a Goodwill Letter to Real Time Resolutions Help?

A goodwill letter requests that a creditor erase late payments or other errors on your credit report. Real Time Resolutions does not accept goodwill letters to eliminate collection accounts or charge-offs.

Negotiate with Real Time Resolutions to settle debt

You can negotiate for debt settlement at any stage of the collection process—even after being sued and filing an Answer to the lawsuit. A debt settlement offer asks Real Time Resolutions to consider accepting a percentage of the total amount owed. Many debt collectors are willing to settle for less, especially if you offer a lump sum.

Here are some steps you can take to negotiate a debt settlement with Real Time Resolutions:

  1. Calculate what you can actually pay towards the balance of the debt. For example, could you reasonably pay half of the amount owed and still have money left over to cover your living expenses? Doing this calculus is important because it can give you a guidepost for settlement negotiations.
  2. Make a reasonable settlement via a debt settlement letter requesting that the firm consider your offer. The settlement offer should be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if they reject your first offer. Make sure to engage in written settlement communications with Real Time Resolutions and continue to use written communication throughout the process.
  3. If you are able to reach an agreement on a settlement amount after negotiations, draft a Debt Settlement Agreement for both parties to sign.
  4. Be sure to pay the agreed amount in time.

Learn more about how to settle your debt with Real Time Resolutions by watching this informative video:

Can I file a claim against Real Time Resolutions?

You may be able to file a claim under the Fair Debt Collection Practices Act (FDCPA). For example, the FDCPA, allows consumers to file a legal claim for damages (e.g., compensation of up to $1,000, including attorney fees) if they believe their rights under the federal law have been violated.

It is important to understand your rights under the FDCPA so you can effectively engage with a debt collector.

Do you owe money to Real Time Resolutions?

Has Real Time Resolutions contacted you and said you owe them money? Have you noticed their name on your credit record and are unsure what to do next? A debt validation letter forces the debt collection agency to verify facts about the debt and confirm that it legitimately belongs to you.

There are numerous reasons a debt may not be valid, including:

  • The statute of limitations has expired.
  • The debt was previously settled.
  • The debt does not belong to you.
  • Information provided by Real Time Resolutions about the debt is incorrect.

Learn more about how a debt validation letter can help you in this video:

If you receive confirmation that the debt belongs to you, you can discuss debt settlement options with RTR. If they refuse to settle or decide to file a lawsuit against you, you can seek mediation to force it out of court.

If you are contacted by a debt collector, take the following steps to ensure the best possible outcome.

How to handle RTR’s attempts to collect a debt

It's easy to become upset or defensive because discussing debt can be stressful. Keep your composure so that you can approach the problem rationally. Once you learn that RTR is contacting you regarding a debt, inform them that you want all further contact to be in writing. Refuse to discuss the debt with them over the phone and immediately send a Debt Validation Letter.

Real Time Resolutions debt collectors are bound by the FDCPA, so they cannot call you before 8:00 am or after 9:00 pm. They cannot use abusive or threatening language, nor can they threaten you with arrest or other criminal charges. If RTR fails to comply with the FDCPA, file a complaint with the Consumer Protection Financial Bureau (CFPB) or the BBB.

Keep a record of all contact with RTR, including notes you take during any conversation, and keep a copy of all written correspondence.

How to respond to a Real Time Resolutions debt lawsuit

Whether you were served with a formal Summons and Complaint to appear, you need to file an Answer as soon as possible, usually within 14-35 days, depending on the state where the suit was filed. Filing an Answer keeps the debt collection agency from winning a Default Judgment against you.

When filing your Answer, you can respond in one of three ways. Deny as many allegations as possible as this forces RTR to prove the accuracy of the allegations.

  1. Admit–you can admit that the statement is true.
  2. Deny–you can deny that the statement is true.
  3. Deny due to lack of knowledge–use this when they do not provide enough information for you to ascertain whether or not the allegation is true.

Most attorneys suggest that you deny as many claims as possible. This forces Real Time Resolutions to prove their claims are valid, and if they don’t have enough evidence and documentation to do so, they might just give up on the case.

The Answer should also assert any affirmative defenses you plan to use. Common affirmative defenses include the following:

  • The debt has exceeded the statute of limitations. (Do not make a payment on a debt that has exceeded or is approaching that statute of limitations, as this restarts the clock).
  • The debt does not belong to you. Remember, it is RTR’s responsibility to prove the debt belongs to you.
  • The debt has already been paid.
  • You were the victim of identity theft, and this debt is a result of that crime.

Now, let's take a look at an example.

Example: Lucas is being sued by Real Time Resolutions in Texas for an old credit card debt. He uses Solo to respond to the case and denies all the allegations against him. He also uses the expired statute of limitations as one of his affirmative defenses, as the statute of limitations on debt is only four years in Texas. Real Time Resolutions realizes they don't have a strong case, and they move to dismiss the lawsuit voluntarily.


It can be scary to face a lawsuit, but you have options. Affirmative defenses can result in RTR being forced to drop its lawsuit against you, or the judge can kick the case out of court. In addition to filing your Answer for you, you can use SoloSettle to negotiate a debt settlement with a Real Time Resolutions collector.

Settle with SoloSettle

Make an Offer

Dealing with Real Time Resolutions can be unpleasant, but it helps to know that you have options when they contact you. If you’ve been contacted by RTR, or they have filed a lawsuit against you, Solo can help.

Check out the video below to learn more about how to respond to a debt collection lawsuit:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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