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How to Settle Debt With RAB Collection Agency

George Simons | January 31, 2025

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: Are you being sued by RAB Collection Agency over an old debt? Learn why they're suing you and how to protect your rights.

The FTC estimates that debt collectors contact about one billion people annually, looking for people to pay what they owe.

These phone calls can feel intrusive and disruptive and add stress to financial difficulties. It is important to remember that RAB Collection Agency is doing its job by attempting to collect the money owed to its clients. There are steps that consumers can take to ensure that contact with RAB Collection Agency and other debt collectors results in a resolution of the debt.

Write a letter asking them to stop contacting you by phone. Communication with a debt collector should be in writing so that you have a paper trail. The preferred method is certified mail with a return receipt. Get the name and address of the original creditor.

However, RAB Collection Agency might still wind up calling you. Sometimes, they call you for debts you don't owe or for the wrong amount. The fact is that most collection agencies only have limited information about who owes the debt, so mistakes are common.

Even still, your chances of resolving a debt with the RAB Collection Agency will increase significantly if you are willing to engage with the debt collectors and discuss your options. Don’t ignore RAB Collection Agency. Instead, negotiate to settle your debt for less.

Settle debt with RAB Collection Agency

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

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Send a debt dispute letter

If you don't think you owe the debt, or they have the wrong amount, your best option is to mail them a debt dispute letter and ask that they validate the debt. This letter demands that RAB Collection Agency show that you owe the debt and that they can give you detailed documents and information to prove it.

Federal law states that after receiving a letter about a debt, you have 30 days to respond to contest it. Your debt dispute letter should have your contact information, verification of what you owe, the name of the creditor, and a request that they don't report the debt to the credit agencies until you figure out the situation.

You should also send a dispute letter with most of the same info to all credit agencies so they know you are disputing the debt. However, if the matter remains unresolved, the information will likely show up on your credit report and impact your score. If it does appear on your credit report, another type of dispute letter should go to each credit agency, if the information is inaccurate.

Pick the right affirmative defense in your debt lawsuit.

What is RAB Collection Agency?

RAB Collection Agency, also known as RAB, Inc. is a legitimate debt collection agency accredited by the Better Business Bureau (BBB). They maintain an A+ rating from the BBB, and they’ve been in business for 49 years.

You can contact them at the following address:

  • Phone: 1-800-580-0491
  • Address: 4450 Sojourn Dr STE 300, Addison, TX 75001-5043
  • Website: https://www.rabtx.com/

Who does RAB, Inc. collect for?

Rab, Inc. specializes in both medical and commercial debt collection. Those are broad categories so if you’ve been contacted by RAB Collection Agency regarding a debt, make sure you get the information about the original creditor.

Online reviews of RAB Collection Agency

If you hope to resolve your debt with RAB, Inc., it is helpful to know what experiences other consumers have had. There are reputable resources online to read reviews. Consider:

Online reviews are mixed, but RAB, Inc. has a number of positive online reviews. Consider Lourdes Garcia’s experience:

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (i.e. FDCPA) was passed in 1978 to give consumers some protection against aggressive debt collectors. The FTC is responsible for oversight of this law. The CFPB notes that aggressive debt collection practices are one of the top consumer complaints.

The FDCPA outlines the following rules for debt collectors:

  • RAB Debt Collection Agency must only call between 8 am and 9 pm.
  • Debt collectors are not allowed to call you when you're working if you tell them not to call you.
  • You can tell collection agencies to stop calling you by sending them a certified letter.
  • The debt collector has to send you a validation notice that states the amount you owe, the creditor's name, and how to move forward if you want to file a dispute.
  • Debt collectors are not allowed to threaten violence, use bad language, or make inaccurate claims that they are government agencies or attorneys. Further, they cannot lie about what you owe or claim you're under arrest.
  • They only can talk to you and your attorney about the debt you owe. They can call family and friends to get your contact information, but they may not talk about your debts.

Even with these protections, the US government gets thousands of complaints from US consumers each month about aggressive debt collection tactics. Most of the issues are regarding debts the consumer says they don't owe.

Use the statute of limitations defense.

If you want to beat RAB Collection Agency, the first thing to do is check if you owe the debt. The agency must send you a validation notice, and there also is a statute of limitations for your debts. This statute varies by state, which means the length of time will vary as well. For example, the statute of limitations on consumer debt may run anywhere between four and six years and sometimes longer.

If the statute of limitations expires in your state, it means that the company cannot get a judgment against you. They could still try to collect your debt, but they can't do anything else legally. However, the unpaid debt will be on your credit report for seven years.

One of the biggest problems is that most debt collection agencies purchase debts from many sources and either collect the funds or sell the debt to others. It's possible for the original contract to be lost and the amount owed could be wrong.

It's important to keep careful track of any transaction that involves a debt. The original contract and what you originally owed are vital. This is the information you should have when you file a dispute.

Make the right defense the right way with SoloSuit.

Steps to take to get a collections notice removed from your credit report

If you want to get the collection off your report, you need to dispute it. This will only work if you don't owe the debt and the agency didn't verify it within a month. Or, the agency will keep the debt on your credit profile after seven years. In that situation, you can give them proof of when the delinquency began so you can remove it.

The other option is to pay to have the collection removed from your credit report. Even if you pay to have it taken off, the black mark will stay on your report for seven years. You could negotiate with the agency to get the collection taken off. This involves paying a fee to the agency so that they won't report it anymore. But you need to have this in writing.

How to settle a debt with RAB Collection Agency

If you have verified the debt and it is one you legitimately owe, then debt settlement may be the best way to resolve the problem. Debt settlement negotiations do not have to be a complex process. Follow these steps:

  1. Evaluate your finances to determine how much you can offer to settle the debt. Though some debt collectors will work with you on installment payments, you will get the best deal if you can offer a one-time lump sum payment.
  2. Once you’ve determined the amount you can pay, contact RAB and start the debt settlement negotiation process. Explain any hardships that lead to the past due debt, and make your offer. Be prepared for a counteroffer.
  3. Once you and RAB have agreed on a settlement amount, request a signed settlement agreement before you move forward with a payment.
  4. Pay the agreed-upon amount on time and in full.

SoloSettle is a digital platform designed to help you negotiate and settle your debt. It allows you to negotiate with debt collectors and make settlement offers. Solo utilizes AI to streamline the process and offers secure payment transfers. Essentially, it acts as a go-between between debtors and creditors to help them reach, finalize, and document an agreement.

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