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How to Settle Debt With RMP Services

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 contacted by RMP Services for a debt, stay calm. Validate the debt, negotiate settlement terms, or respond with a written answer if you’ve been seed to protect your rights and avoid default judgment.Use Solo to simplify the process.

If you have been contacted by RMP Services about an unpaid debt, then you may be feeling anxious and uncertain about the future. Do not fret. You have options and can take steps to proactively resolve your debt issue, such as negotiating a debt settlement.

To guide you as you plan to handle RMP Services, we will give you more information about them, tell you how to respond when they contact you, and explain how to respond if they sue you.

Let's get right into it.

Settle debt with RMP Services

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

Settle with SoloSettle

What is RMP Services?

RMP, which stands for Receivable Management Partners, LLC, is a privately held legitimate debt collection agency located in Greensburg, Indiana. It has six other offices in Chicago, Indianapolis, Lansing, Zeeland, Reading, and Waco.

RMP's contact information is:

  • Phone Number: 1-800-541-1370
  • Address: 8155 Executive Ct, Lansing, MI 48917, United States
  • Website: https://www.receivemorermp.com/
  • Email: sales@ReceiveMoreRMP.com

Who does RMP Services collect for?

RMP Services focuses on the collection of medical debt. For example, they are known to provide health-focused revenue cycle management services to over 30,000 physicians and 200 hospitals.

Is RMP Services legit?

Yes, RMP Services is a legit debt collector. However, RMP Services is not accredited by the Better Business Bureau, but it does have an A+ rating, which is pretty good for a debt collector.

Read RMP Services reviews online

Looking for info about what other consumers have shared about their debt collection experience with RMP Services? If so, take a moment to read these real online reviews:

It’s reasonable to say that the online reviews of RMP Services are not all five stars. Despite the mixed reviews, it is important to bear in mind that there are reviews indicating that people can have a positive experience when discussing a debt matter with RMP Services. Let’s consider a real review posted by a borrower named Jackson:

“This time I owed the debt. I didn't know what experience I was going to have when I called, but surprisingly, it was pretty good. Long story short, I had to call back several times, and each time I talked to agents who were professional and helpful. I eventually paid what I owed, and they promptly sent me a receipt of the full payment. Hopefully, they will keep their word and update all three credit bureaus. Good experience!”

Jackson’s review highlights an important truth - proactively communicating with a debt collector increases your odds of achieving an amicable resolution. Jackson took the time to call RMP Services and did not ignore their outreach. Through those communications, he was able to achieve a resolution to his debt collection matter. You may be able to have a similar experience.

Advice on How to Effectively Negotiate a Debt Settlement with RMP Services

If you received a debt collection lawsuit from RMP Services, you still have time to try and negotiate a debt settlement. It is important to proactively respond to the debt collection lawsuit for two reasons: (1) filing a timely Answer mitigates the risk of the court entering a default judgment against you and (2) responding provides you with additional time to engage in productive settlement negotiations.

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

  1. As discussed above, make sure to file an Answer to the debt collection lawsuit and do so in a timely manner.
  2. Calculate how much you can pay toward the balance of the debt without adversely impacting your ability to pay other necessary living expenses (e.g., rent/mortgage, utilities, food, gas, etc.). Consider using the following formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Contact RMP Services and convey your settlement offer, ideally in writing. Generally speaking, your opening offer should be less than the maximum amount you can pay so you have some wiggle room to negotiate.
  4. Be prepared to go through multiple rounds of negotiating.
  5. If you reach a debt settlement agreement, get the terms and provisions in writing.

To learn more about these settlement 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, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

How to respond to RMP Services the next time they contact you

Collection agencies are relentless in collecting money for their clients. RMP Services is no exception. They claim to have collected over $1billion for their clients in the last five years. You can expect to hear from them again unless you do the following:

  • Request everything in writing.
  • Send a cease and desist letter.
  • Ask RMP Services to validate the debt.
  • Dispute the debt.
  • Negotiate a payment plan.

Now, let's take a closer look at each of these options.

Request RMP Services to do everything in writing

Tell RMP Services to conduct all communications in writing. They should either send the details via US certified mail or email. This mode of communication will help you keep track of the process and limit their opportunities to violate the law. It will also safeguard your chances of winning if the issue proceeds to court.

Send a cease and desist letter

If you have told RMP Services to stop calling multiple times, you can finally send a cease and desist letter that asks them to stop contacting you, or they will be violating your rights. As you take this action, consider addressing the debt by confirming it is yours and making plans to pay. RMP Services may respond by suing you if you send the letter and ignore the debt.

Ask RMP Services to validate the debt

Within 30 days of RMP Services' initial contact, send a debt validation letter requesting RMP Services to verify that the debt belongs to you. The letter asks for more information about the debt in question. It also requires them to include the original creditor's details and add a statement saying you can dispute the debt if you still believe it is inaccurate. If RMP Services cannot validate the debt, they must stop contacting you about it. The video below gives you a two-step process of making a debt validation letter.

Dispute the debt if you doubt its accuracy

Dispute the debt with the credit bureaus if it is not familiar or you believe the figures are incorrect. The first step is to request your credit report from TransUnion, Experian, and Equifax. Next, highlight the errors on the report and send it with the dispute letter attached. The credit bureaus will investigate and make the necessary changes to your report within 30 days. They may even remove it entirely if the evidence is compelling.

Negotiate and make plans to pay the debt

Never admit to a debt until you receive all the information a debt collection agency has on it. Once you have the crucial details from RMP Services via writing or in a validation notice, confirm the debt is familiar and the details are accurate. If everything is legitimate, plan to negotiate for a lower amount than the original debt. Make sure you make the final agreement on what you will pay in writing.

Disputing a debt you know is genuinely yours rarely goes in your favor. You may rub RMP Services the wrong way, and they may not be willing to negotiate. They may even sue you for making them go to all the trouble and knowing the debt is yours.

Watch the video below for negotiation tips and strategies from an attorney.

Settle with SoloSettle

Make an Offer

How to respond to a lawsuit from RMP Services

Consumers who ignore RMP Services' attempts to collect or fail to make plans to pay a genuine debt may find themselves with a lawsuit. If you are in this situation, you still have a chance of beating them in court.

The first step to beating RMP Services is to respond to the lawsuit with a written Answer. You have 14-35 days to submit your Answer, depending on which state you live in. If you don't respond in time, RMP Services will request a default judgment which gives them the right to garnish your wages, freeze your bank account, and even seize your property.

Follow these six tips to draft an Answer to a debt lawsuit against RMP Services:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing RMP Services to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that RMP Services should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to RMP Services. At the end of your Answer document, include a certificate of service when you verify the address you used to serve RMP Services the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

SoloSuit can help you draft and file an Answer in all 50 states.

Learn more about these six tips in this video:

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The Ultimate 50 State Guide

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