The Receivable Management Services LLC, which calls itself RMS, is a collection agency that recovers unpaid balances for client companies in a wide range of industries in the United States and Canada. A letter or call from RMS usually means a business you dealt with has placed an unpaid account with it.
- Type
- Collection agency
- Also known as
- The Receivable Management Services LLC; Receivable Management Services LLC; The Receivable Management Services Corporation; RMS
- Collects
- past-due accounts placed by businesses in a range of industries
- Phone numbers it lists
- (888) 807-2576, (800) 811-4214
- Website
- rmscustomersupport.com
985 debt collection complaints were sent to the Consumer Financial Protection Bureau about The Receivable Management Services LLC 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 The Receivable Management Services (RMS)?
The Receivable Management Services LLC goes by RMS. Its consumer website, rmscustomersupport.com, says RMS "provides debt recovery services to companies from a wide range of industries." The site has separate sections for the United States and Canada, with Canadian pages in English and French. Its pages use the names "The Receivable Management Services LLC," "Receivable Management Services LLC" and, in one place, "The Receivable Management Services Corporation."
The legal disclosures page lists a California collection license (No. 10854-99), Nevada licensing under NMLS #953277, several New York City Department of Consumer and Worker Protection licenses, and North Carolina permits for offices in Allentown, Pennsylvania; East Hartford, Connecticut; Naperville, Illinois; Pueblo, Colorado; Richfield, Ohio; and Noida, India. Complaints by mail go to P.O. Box 5000, Fogelsville, PA 18051. The consumer phone line is (888) 807-2576, staffed 9 a.m. to 5 p.m. Central time on business days. Massachusetts residents are given a separate number, (800) 811-4214.
Several unrelated collectors use similar names, including "Receivables Management Services" and "Recovery Management Services." Match the name, address and phone number on your letter before you respond.
Why RMS May Be Contacting You
RMS's site does not name its clients, so the letter itself is your best clue. A notice from RMS should name the creditor that placed the account and the business you originally dealt with. If you don't recognize either name, treat that as a reason to dispute in writing, not to pay. The site also offers online payment, a dispute and request form, and a complaint form, and says RMS aims to return voicemails within 48 business hours.
How to Check a Debt RMS Says You Owe
An agency working for many different industries may be collecting anything from a business service contract to a utility or subscription balance. These steps help you pin down what this particular account is:
- Find the validation notice. Within five days of first contacting you, RMS must send a notice naming the creditor, giving the amount and itemizing interest, fees, payments and credits since a stated date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute before the deadline on that notice. If you dispute in writing within the validation period, RMS must stop collecting until it mails you verification. Our page on how to dispute a debt walks through it.
- Ask who owns the account now. Find out whether RMS is collecting for the original business or for a company that bought the account.
- Compare the figures. Check the balance against your last bill, cancellation confirmation or bank records. Collection fees that your contract doesn't allow are a red flag.
- Check the age of the debt. In Texas, most suits to collect a debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a consumer debt after that period ends (Tex. Fin. Code § 392.307). Other states set different deadlines.
What RMS Can and Can't Do
RMS collects debts owed to other companies, so it is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). That means:
- It may not call more than seven times within seven days about one debt, or within seven days after a phone conversation with you about it (12 C.F.R. § 1006.14(b)(2)). See Regulation F's call, text and email limits.
- It may not call you at work if it knows your employer forbids those calls (15 U.S.C. § 1692c(a)(3)).
- It may not add a collection or convenience fee unless your agreement or the law allows it (15 U.S.C. § 1692f(1)). See can a collector add fees to my debt?
- It may not report a disputed debt to a credit bureau without noting that you dispute it (15 U.S.C. § 1692e(8)).
We did not find a CFPB enforcement action against The Receivable Management Services LLC. If RMS or a law firm working for its client has sued you, start with what to do first if you're sued for a debt in Texas, or contact our 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 The Receivable Management Services (RMS) 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
- RMS Customer Support: home page
- RMS Customer Support: About
- RMS Customer Support: Legal Disclosures
- CFPB enforcement actions search: Receivable Management
- CFPB Consumer Complaint Database: The Receivable Management Services LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that The Receivable Management Services (RMS) has violated any law. Company details change; tell us if something here is out of date.