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Resolve Debt with Receivables Management Services

Sarah Edwards | January 05, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Receivables Management Services (RMS) is a debt collector and debt purchaser. If you’ve been sued for debt, file an Answer quickly to prevent a default judgment in favor of RMS. And if you use SoloSettle from SoloSuit to guide the negotiation process, you can resolve your debt once and for all.

The first time they called, you sent them straight to voicemail. The caller left a message claiming they were from Receivables Management Services. The next day, they called again — and again the day after that. Is this a legitimate company? And is there an easy way to resolve debt with Receivables Management Services?

Keep reading to find out.

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What is Receivables Management Services, LLC?

The Receivables Management Services is a debt collection agency and debt buyer that collects on the following types of debt:

  • Credit Card
  • Retail
  • Consumer Loans
  • Bad Checks
  • Landlord Receivables
  • Property Management
  • Medical
  • Deficiency Accounts

If you’ve been contacted by RMS, it’s because a company has contracted with The Receivables Management Services, LLC to collect on an unpaid debt or the agency purchased your debt from the original creditor on a discount and wants you to pay off the debt in full.

Sued by RMS? Respond to a debt lawsuit online in minutes.

Is Receivables Management Services a legitimate company?

Receivables Management Services is a legitimate debt collection company, though as of 2023, the company does not have a profile with the Better Business Bureau. The company’s website doesn’t say much about when it was founded, but it seems to have been in business for many years.

How to contact Receivables Management Services, LLC

The Receivables Management Services phone number is 855-503-0840, and you can also email the company at info@receivablesmanagementservices.com

RMS is located in Florida, and you can reach the company at the following mailing address: 4613 N University Drive, #552, Coral Springs, FL 33067.

Receivables Management Services is different from Receivable Management Services

It’s important to know exactly who you’re dealing with when it comes to debt collection. In this case, one letter can make a big difference. Receivable Management Services (without the ‘s’), also known as RMS, is a different debt collection company based in Seattle, WA.

Both companies use similar tactics to collect debts, so keep reading to learn how to respond to either debt collection agency and resolve your debt with them.

Protect yourself from FDCPA violations

Have you received aggressive or threatening messages from Receivables Management Services? Debt collection companies are subject to the federal Fair Debt Collection Practices Act (FDCPA). Under this law, debt collectors like RMS are forbidden from practices that include the following:

  • Call you more than once per day.
  • Call prior to 8 a.m. or after 9 p.m.
  • Threaten you with arrest for failing to pay your debt.
  • Call your friends, family, or coworkers about your debt.
  • Contact you despite receiving a Cease and Desist Letter.
  • Decline to validate your debt.
  • Use profane or offensive language.

If a representative from RMS has violated any of these rules, you can report the company to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You can also report it through the CFPB website or by calling 855-411-2372.

Stop phone calls from RMS.

Resolve debt with Receivables Management Services

What’s the easiest way to resolve your debt with Receivables Management Services? The solution is to verify your debt, respond quickly to any lawsuits, and then negotiate a settlement to avoid any legal challenges.

Validate your debt with RMS

First, make sure that the debt in question is actually yours. Ask Receivables Management Services to send you a Debt Validation Letter. This document should clearly spell out:

  • The identity of the original creditor
  • The total amount of your debt
  • Any evidence that connects you to that debt
  • The date of the last debt payment
  • The age of your debt

Receivables Management Services should also provide you with its license number for collecting debts in your state. Note that failing to validate your debt constitutes a violation of the FDCPA and is a reportable offense.

Learn more about Debt Validation Letters in this helpful video:

File an Answer during a debt collection lawsuit

What if RMS actually sues you over your debt? If this happens, you need to act fast. File an Answer with the court. A legal Answer is your chance to respond to the debt, and it indicates that you intend to fight this debt in court if necessary.

Respond quickly. You’ll only have two to four weeks to file your Answer; otherwise, the court may render a default judgment in favor of RMS. Once this happens, you’ll lose all room to negotiate a settlement, and the court may even award RMS with additional legal fees or debt collection fees.

File an Answer to your debt lawsuit.

Negotiate a Settlement

Remember that most debt collectors would rather not endure the burden of legal proceedings. They may be willing to accept a settlement offer if it resolves the issue quickly. Start the negotiation process with SoloSettle.

How much should your first settlement offer be? Aim for 60% of your total debt. RMS may not accept this offer but may submit a counteroffer, which you can accept or reject. If you reject it, continue submitting offers until you negotiate a fair price.

It may help to look at an example:

Example: Diane had been receiving daily calls from Receivables Management Services. Things escalated once she received notice of a debt collection lawsuit. Fortunately, Diane acted quickly. She used SoloSuit to file an Answer and avoid a default judgment. Next, she was able to avoid court altogether by negotiating a settlement through SoloSettle. RMS turned down her first offer of 60% of the total debt but offered to accept 65% of her original total. Diane gratefully accepted. She’s now working on a payment plan and seeking to repair her credit.


Start the debt settlement negotiation process.

Get your debt settlement in writing

SoloSettle keeps a record of your settlement negotiations; you’ll never have to speak on the phone with the debt collector. Never accept a debt settlement over the phone, and make sure you keep any related documents (emails, letters, etc.).

This documentation can prevent the debt collector from going to court and claiming you never settled the debt. The court may render a default judgment in the collector’s favor unless you can demonstrate that a settlement had previously been reached.

Act fast when contacted by Receivables Management Services

Debt collection calls are a nuisance, but it’s important to respond fast before things escalate into a lawsuit. If that happens, SoloSuit can help you file an Answer to avoid a default judgment. Then, you can open up negotiations with SoloSettle.

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