Receivables Management Corporation: Who They Are and Your Rights

Type

Collection agency

Also known as

Receivables Management Corp; RMC

Headquarters

Columbia, SC

Collects

medical bills, retail accounts, commercial accounts

Phone numbers it lists

(803) 776-2030, (800) 849-2201, (803) 744-5100, (800) 499-9971

Website

rmccollect.com

72 debt collection complaints were sent to the Consumer Financial Protection Bureau about Receivables Management Corporation 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 Receivables Management Corporation?

Receivables Management Corporation, which goes by RMC, is a collection agency at 1601 Shop Road, Suite D, Columbia, South Carolina 29201. Its mailing address is PO Box 50685, Columbia, SC 29250. Its website calls it "a full service debt recovery agency headquartered in Columbia, South Carolina" and says it has been "managing receivables and increasing client profits since 1992." The BBB lists April 30, 1992, as its incorporation date and names Chris Ray as president.

The website lists two sets of phone numbers. The general lines are (803) 776-2030 and (800) 849-2201. People who have an account with RMC are told to call the collection department at (803) 744-5100 or (800) 499-9971. RMC says every staff member must pass FDCPA, HIPAA and FCRA testing before working an account. We did not find a CFPB enforcement action against Receivables Management Corporation.

Why Receivables Management Corporation May Be Contacting You

RMC says it specializes in "healthcare, retail, commercial and specialty service collections." Its affiliations page lists memberships in healthcare financial management groups. Its services include:

• bad-debt recovery
• work on accounts before they are charged off
• first-party collections, in which it contacts customers in the client's own name
• credit bureau reporting

Nearly all complaints naming RMC in the CFPB database come from South Carolina, and many are filed as medical debt. A letter from RMC most often concerns a bill from a South Carolina hospital, physician group or other provider.

How to Check a Debt Receivables Management Corporation Says You Owe

Medical balances often change after insurance processing, charity-care review or billing corrections. Before you pay:

• Read the validation notice for the provider's name, the dates of service and an itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if the bill should have gone to insurance or was already paid. RMC must pause collection until it verifies the debt. See how to dispute a debt.
• Get an itemized bill and your insurer's explanation of benefits to see whether the claim was billed, denied or underpaid.
• Ask the hospital about financial assistance. Nonprofit hospitals must have written financial-assistance policies, and a bill may be reduced even after it goes to collections.
• Mind the limitations period. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). South Carolina and other states use their own periods. See being sued over medical bills.

What Receivables Management Corporation Can and Can't Do

As a third-party agency, RMC is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumers' medical and retail bills. When it collects in a client's own name as a first-party service, the analysis can differ, but the federal and state laws on false or unfair practices still apply. Some rules to know:

• It can't share details of your medical debt with your employer or relatives (15 U.S.C. § 1692c(b)), and HIPAA limits what health information it can use.
• It can't report a medical debt to the credit bureaus before it has contacted you (12 C.F.R. § 1006.30(a)). The major bureaus also have voluntary policies on medical collections; see our medical debt reporting update.
• It can't charge collection fees or interest the provider's agreement or the law doesn't allow (15 U.S.C. § 1692f(1)).
• It must limit calls to about seven per week per debt (12 C.F.R. § 1006.14(b)(2)).

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 Receivables Management Corporation 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

• Receivables Management Corporation: Home
• Receivables Management Corporation: Services
• Receivables Management Corporation: Contact us
• Receivables Management Corporation: Compliance and affiliations
• BBB business profile: Receivables Management Corp (business facts only)
• CFPB consumer complaint database: Receivables Management Corporation
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: Receivables Management Corporation, debt collection

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