How to Settle Debt With RMP LLC

George Simons | January 31, 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: If you’ve been sued by RMP LLC, file a written Answer to avoid default judgment. After filing an Answer, calculate your settlement range, start with a lower offer, negotiate, get the settlement terms in writing, and pay RMP Services on time. Use Solo to streamline this entire process.

If RMP LLC has contacted you about an unpaid debt or you have been served with a debt collection lawsuit by this agency, do not throw your hands up in despair. You have legal rights and protections when being contacted by a debt collector or when being sued for an alleged unpaid debt in court.

Here's everything you need to know about RMP LLC and how to engage with them to resolve your debt issue.

Settle debt with RMP LLC

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What is RMP LLC?

Receivables Management Partners, LLC (i.e. RMP LLC) is a debt collection agency based in Greensburg, Indiana.

Who does RMP LLC collect for?

RMP LLC focuses primarily on collecting debts for medical clients. For example, RMP LLC provides debt collection services to roughly 200 hospitals and over 30,000 physicians in the United States.

Read RMP LLC reviews online

Looking for info about what other consumers have said regarding their debt collection experience with RMP Services? We can help. Take a moment to check out these legit online reviews:

The online reviews for RMP Services, objectively speaking, are relatively mixed (i.e., some good, some not so good). Despite the mixed reviews, it is important to bear in mind that there are reviews supporting the claim that people can have a generally positive experience communicating with RMP Services about a debt collection matter. Consider a real review posted by a borrower named Ash:

“I missed paying a bill - I don't know how it was overlooked, but I am not too proud to admit that it hit my credit score. I called and spoke with Lynn, and she was amazing. We got my bill paid, and she went through the process of what happens next. She was kind, understanding, and not the least bit judgmental. I am thankful for her help today!”

Ash’s review highlights the fact that debt collectors affiliated with RMP Services are generally open to engaging with you to try and achieve a resolution to your debt issue.

How to negotiate with RMP Services to settle debt

If you were served with a debt collection lawsuit filed by RMP Services, do not throw your hands up in despair. You have time to try and negotiate a debt settlement.

It is important to proactively respond to the debt collection lawsuit for a couple of reasons. First, filing a timely response reduces the risk that you get hit with a default judgment. Second, timely responding gives you more time to engage in productive settlement negotiations.

Here are some recommended steps to try and settle a debt:

  1. After you’ve timely filed an Answer to the debt collection lawsuit, determine how much you can afford to pay toward the balance of the debt. Consider using the following the debt settlement formula to calculate your settlement range: Amount available to settle = (monthly income – monthly costs) + savings)
  2. Once you have a realistic settlement range in place, contact RMP Services and convey your opening settlement offer, preferably in writing.
  3. Your initial settlement offer should generally be less than the maximum amount you can pay. Why? So you have some wiggle room to negotiate in the event they decline your opening offer.
  4. Be prepared to go through multiple rounds of negotiating.
  5. If you can reach a viable debt settlement agreement with RMP Services, make sure to get the terms in writing.
  6. Sign the agreement and pay the negotiated amount in a timely manner.

To learn more about these tips and others that may assist you on your journey to settle debt with RMP Services, watch the following interview with a consumer rights attorney who shares the best tips for negotiating debt settlement with collectors:

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The FDCPA offers legal protections

The FDCPA is a federal law establishing what debt collectors can, and cannot, do in their efforts to recover on a debt. For example, the FDCPA states that debt collectors are not allowed to harass debtors or use any unfair means to collect their debt. Unfortunately, many debt collectors are notorious for ignoring the rules and regulations outlined in the FDCPA. This is why you need to gain an understanding of your rights and protections under this federal law.

  • Making calls to you while at work if your employer does not allow calls during working hours.
  • Making calls to you at odd hours.
  • Talking to another person other than your lawyer or spouse about your debt.
  • Threatening to arrest you if you fail to pay the debt.
  • Threatening to seize your property if you fail to pay unless they have a warrant.
  • Using obscene language and threats against you.
  • Stating a different amount of the debt other than what you owe.
  • Making any false allegations about the debt.

If RMP LLC violates any of these guidelines, you can use it as evidence in your defense in court within one year. The violation does not count as evidence after one year.

A successful ruling may have you compensated for damages. If there is no proof of damages, you may be awarded up to $1,000 and any court and attorney fees reimbursed.

Use SoloSuit to respond to debt collection lawsuits in 15 minutes.

Get every communication with a debt collector in writing

Many debt collection agencies misrepresent information as a tactic to push the debtors into honoring their debts. Some claims are often made through a phone call.

As a result, it is difficult for a debtor or court to hold debt collectors accountable for undocumented claims. You must request the collection company to make every claim in writing. FDCPA requires that official communication from the debt collectors be done through the U.S mail system.

You have a right to ask RMP LLC to mail you an official communication. If they ignore this request, you may be able to defend yourself in court, citing their lack of response.

Make the right defense the right way with SoloSuit.

The statute of limitations can work in your defense

The statute of limitations is the period within which a creditor can file a lawsuit for defaulted debt payment. When this time elapses, the debt collectors are not allowed to file any lawsuits regarding the debt.

Different states have different statute limitations that differ by type of debt and agreement (whether in writing or verbal).

The statute of limitations period starts to count from the date a debtor defaults payment. If you decide to make a late payment of the debt or pay after pleading guilty in a lawsuit, the statute of limitation period starts over.

The debt becomes time-barred once the statutory period expires. Even though you know that your debt is time-barred and you can prove it, it is still a good idea to reply to a lawsuit from RMP LLC regarding your debt.

You will then use evidence of time-barred debt as your defense. If your debt is deemed as time-barred, you can make one of the following two choices:

  • Enter a debt settlement agreement with RMP LLCif you wish to be clear of debts.
  • Pay nothing at all. However, MSC Capital will continue to pursue you for the debt until you stop them by sending them a letter to end the process.

Respond to a debt lawsuit against Receivables Management Partners, LLC

Follow these three steps to respond to a debt lawsuit against RMP LLC:

  1. Respond to each claim listed in the Complaint document. You can admit, deny, or deny due to a lack of knowledge. Most attorneys suggest that you deny as many allegations as possible. This makes RMP LLC work harder because they have to gather all the necessary documentation to prove the debt is actually yours.
  2. Assert your affirmative defenses. These are legal reasons that RMP LLC doesn't have a case against you. A common affirmative defense to raise in a debt collection lawsuit is the statute of limitations. If the debt is past the statute of limitations, then RMP LLC has run out of time to sue you for the debt. If this is true, the case will be dismissed.
  3. File the Answer with the court, and send a copy to RMP LLC. Make sure to file before the deadline, which is 14-35 days, depending on which state you live. Make a copy to send to RMP LLC via USPS-certified mail. You should also request a return receipt so you can prove that you properly sent the Answer to the opposing party.

You can learn more about these three steps in this video:

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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