Receivable Management Group, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

RMG

Headquarters

Columbus, GA

Collects

overdue client receivables, including early-out and bad-debt accounts

Phone numbers it lists

(706) 563-6878

Website

rmgcollections.net

94 debt collection complaints were sent to the Consumer Financial Protection Bureau about Receivable Management Group, Inc. (GA) from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Receivable Management Group, Inc.?

Receivable Management Group, Inc., which calls itself RMG, is a collection agency at 2901 University Avenue, Suite 29, in Columbus, Georgia. Its website says it was "established 25 years ago" and is family owned (the site does not give a founding year, and the copyright line is dated 2011). RMG describes itself as a HIPAA-compliant collection agency. HIPAA is the federal law that protects health information, which suggests that much of RMG's work involves medical accounts.

RMG has filed a debt collector bond in Texas: the Texas Secretary of State's records show an active bond for Receivable Management Group, Inc. at the Columbus address. Its website lists a local number, (706) 563-6878, and a toll-free vanity number, 1-800-218-1RMG. We did not find a CFPB enforcement action against Receivable Management Group.

Don't confuse RMG with similarly named companies such as Receivables Management Partners or Receivable Management Corporation. Check the name and address on your letter.

Why Receivable Management Group May Be Contacting You

RMG says it offers "early out" and "true bad debt" collection services. Early-out work usually means the agency contacts patients or customers on the creditor's behalf soon after a bill goes unpaid, sometimes before the account is formally treated as a collection. Bad-debt work is traditional collection on accounts the creditor has written off. RMG lists dunning letters, predictive-dialer calls, credit bureau reporting, bilingual collectors and an online payment system among its tools.

So a call or letter from RMG is most likely about a bill from a hospital, clinic or other provider, though the website does not name its clients. The letter should tell you who the creditor is.

How to Check a Debt Receivable Management Group Says You Owe

With a healthcare bill, the question is often less "do I owe this provider?" and more "did insurance pay what it should have?" Before you pay:

• Get the validation notice. It must identify the creditor, itemize the balance and give the end date of your dispute period (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If RMG is working the account "early out," ask whether it has been placed for collection and who owns it now.
• Match the dates of service and amounts with your insurer's explanation of benefits. Ask the provider for an itemized bill. Texas recently added protections tied to itemized medical bills; see our SB 490 update.
• Dispute in writing within the validation period if anything is off. Collection must pause until verification is mailed. Our page on validation notices explains what to look for.
• Note the date of your last payment or service. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Limitation periods differ in other states.

What Receivable Management Group Can and Can't Do

RMG collects for other businesses, so it is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer debts. One wrinkle for early-out work: the definition excludes a debt that was not yet in default when the agency got it (§ 1692a(6)(F)(iii)), so ask whether your account was in default when it was placed. Points that matter most for medical accounts:

• Medical collection accounts are treated differently by the credit bureaus, which have removed paid medical collections and many smaller ones from reports. See medical debt reporting changes.
• A collector may not report a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
• It may not reveal your medical debt to family members or your employer, except to locate you.
• It may not exceed the Regulation F call limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
• Texas does not allow wage garnishment for ordinary consumer debts such as medical bills (Tex. Const. art. XVI, § 28), and a collector may not suggest otherwise.

If you have questions about how a collector handled your account, contact our Texas FDCPA attorneys.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Receivable Management Group, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Receivable Management Group: home page
• Receivable Management Group: About
• Receivable Management Group: Services
• Receivable Management Group: Contact
• Texas Secretary of State: debt collector bond search (Receivable Management Group, Inc.)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Receivable Management Group, Inc. (GA), debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Receivable Management Group, Inc. has violated any law. Company details change; tell us if something here is out of date.