Superlative RM is the business name of Terrill Outsourcing Group LLC, a collection agency in Elk Grove, California, near Sacramento. Letters may use either name; both refer to the same company.
- Type
- Collection agency
- Also known as
- Terrill Outsourcing Group; Terrill Outsourcing Group LLC
- Headquarters
- Elk Grove, CA
- Website
- superlativerm.com
36 debt collection complaints were sent to the Consumer Financial Protection Bureau about Terrill Outsourcing Group 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 Superlative RM?
Superlative RM is a collection agency whose legal name, according to the Better Business Bureau, is Terrill Outsourcing Group LLC. The BBB lists its headquarters at 9370 Studio Court, Suite 110, Elk Grove, California, shows a business start date of October 1, 2013, and names Gerald Terrill as CEO. It also lists other locations in Elk Grove and Sacramento. The company's website, superlativerm.com, presents it under the Superlative RM name with the tagline "Resolve Your Debt Securely & Respectfully." The CFPB complaint database lists it as Terrill Outsourcing Group. We did not find a CFPB enforcement action against Superlative RM or Terrill Outsourcing Group.
Why Superlative RM May Be Contacting You
We could not verify which creditors Superlative RM works for or what kinds of accounts it handles; its public pages and its BBB profile do not say. What you can tell from the name on your letter is that a creditor has placed an account with this agency, or that the agency is acting for the current owner of the account. Because the company uses two names, a letter may say "Superlative RM" while your credit report or a court filing says "Terrill Outsourcing Group." They are the same company.
We have not listed a phone number, because we could not confirm one on the company's own website. Use the number on your validation notice and compare it with the company's site before paying.
How to Check a Debt Superlative RM Says You Owe
- Insist on the validation notice. It must name the creditor to whom the debt is owed, give an itemized balance, and explain your dispute rights and deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if you don't recognize the creditor. Ask for the original creditor's name, the account number, the date of default and the chain of ownership. See how to dispute a debt with a collector.
- Check both names on your credit reports so the same account is not listed twice.
- Compare the balance with your records, and ask how any interest was calculated.
- Consider how old the debt is. 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). California and other states have their own deadlines.
What Superlative RM Can and Can't Do
An agency collecting consumer debts for others is a "debt collector" under 15 U.S.C. § 1692a(6), whatever name it uses.
- It may use a trade name, but it may not use any name other than its true name in a way that hides who it is (15 U.S.C. § 1692e(14)).
- It must say in its communications that it is a debt collector (15 U.S.C. § 1692e(11)).
- It may not call before 8 a.m. or after 9 p.m. your time, or call at work if it knows your employer forbids it (15 U.S.C. § 1692c(a)(1), (3)).
- It may not make more than seven call attempts in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If something about its collection seemed wrong, see our Texas FDCPA attorneys page.
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 Superlative RM 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
- Superlative RM: home page
- BBB business profile: Superlative RM (alternate name Terrill Outsourcing Group LLC)
- CFPB Consumer Complaint Database: Terrill Outsourcing Group, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Superlative RM has violated any law. Company details change; tell us if something here is out of date.