- Who is Receivable Solutions?
- Receivable Solutions Complaints?
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- How Do I Stop Receivable Solutions Debt Collection Harassment?
- How Can I Delete Receivable Solutions from My Credit Report?
- How Can I Deal with Receivable Solutions?
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Receivable Solutions, Inc. (RSI) is a third-party collection agency that specializes in collecting delinquent accounts for healthcare providers. RSI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as illegal communication tactics and attempting to collect debts not owed. If you have been contacted by RSI, make sure you understand your rights before responding.
According to the Better Business Bureau (BBB), Receivable Solutions, Inc. was started in 2000. The BBB established RSI’s profile page in 2009, and lists them as a collection agency with a staff of 92 people. Buzzfile estimates RSI’s annual revenue at $5.5 million.
According to its website, RSI provides “accounts receivable management solutions and outsourcing alternatives to improve…cash flow, operating efficiencies[,] and profitability.” RSI has “mutually beneficial relationships with a great number of health systems who [want] to increase collections as much as possible while still maintaining an incredibly high level of patient service.”
RSI offers collection services in three main areas: self-pay/early out, bad debt collections, and third-party payer follow-up. Their self-pay/early out division utilizes the provider’s policies to provide full-service accounts receivable management including inbound/outbound calling, statements, insurance billing, and follow-up and administration of charity programs. Their bad debt collections division extends these services with primary and secondary collections that employ extended contact hours and regional call centers; credit reporting to all three major agencies; and integrated legal services. RSI’s third-party payer follow-up division is for small balance, aged accounts receivable, and legacy follow-up accounts with turn-key solutions that minimize the staff involvement of providers.
RSI states a philosophy that prohibits operating “in any gray area as it relates to compliance, data security or collection techniques,” and maintains “a conservative posture as it relates to all privacy standards, compliance statutes, collection-specific laws (FDCPA, TCPA, FCRA, etc.) and FTC interpretations.” However, its client-facing website does not offer any links or references to consumer protection resources, laws, or agencies.
The BBB has closed 31 complaints against RSI in the past three years, with 10 closed in the past twelve months. The majority of complaints allege problems with billing and collections. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has received 26 complaints about RSI. Justia lists at least 3 cases of civil litigation naming RSI as a defendant.
Absolutely. Here are some Sample Cases against Receivable Solutions Inc.
Complaints against RSI frequently cite confusion about billing documentation and the accuracy of information reported to credit reporting agencies. For example, in October 2016, a complainant indicated he had requested itemized statements for two accounts being handled by RSI, but had not received them. He indicated an RSI representative had initially told him there had been an overpayment; then that some adjustments had to be made; but he insisted he had not received any documentation. He also indicated that he had left phone messages but had not received any return calls. In response, an RSI representative indicated that both accounts cited by the complainant carried a zero balance, and that questions about itemized statements should be directed to the healthcare provider. The complainant expressed confusion that RSI was able to provide details about the account balances and the dates of payment but not provide itemized statements. RSI’s response indicated that they do not own the debts, but merely service them on behalf of the provider.
In August 2016, a complainant indicated that a bill for $1,522 he claims he had already paid had been continually posted to his credit report. He also reported that the healthcare provider had sent several letters and email messages with contradictory messages stating, “they don’t get anything then try to make me pay it anyway.” In response, an RSI representative indicated the account had been placed with the South Carolina Association of Counties tax garnishment program, and that the tax garnishment office had received payments for the account. The representative conceded that tax garnishments are handled differently, but could not account for the reason the payment had not been reported to RSI. As a result of the complaint, the RSI representative indicated he would post an adjustment to the complainant’s account, initiate a deletion from the credit reporting agencies, and mail a letter of confirmation.
Receivable Solutions, Inc.
1325 Garner Lane, Suite C
Columbia, SC 29210
Telephone: (866) 505-7419
Understanding your Debt Collection Rights
The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) enforce consumer protection laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are two federal laws that help regulate the collections industry. The FDCPA prohibits actions such as threatening to take actions that cannot legally be taken or using false or misleading language to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA.
The case above illustrates how understanding your rights and responsibilities under these laws is an important part of holding collection agencies accountable for their actions. Seeking legal assistance can help you resolve a dispute with a collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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