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RMA Recovery Inc


2502 S. Alpine Rd.
Rockford, IL 61108

Contact Them:

(800) 369-6116

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Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Brian Thomas on May 6, 2016 at 7:46 pm

      Today RMA Recovery called me and told me they worked for lawyers who were going to press charges against me and my wife for fradulant debit use for a payday loan from ACE Payday loans. Told me I couldn’t call them back, even though I was at work and forced me to set up a payment arrangement or else further actions would take place. Not wanting to get into trouble I set up the payment arrangement. I was not aware of my right and I feel incredibility angry knowing there’s companies out there that out right lies to people and threatens people into setting up arrangements.

    2. Elizabeth Pruett on February 8, 2017 at 3:03 pm

      RMA Recovery, which i have never heard from or had a correspondence from, call my cell phone and left a message saying her name Vicky Brown, she was private courier and need to get my address to delivery papers. She did not state the company just left this number 844 890 8749 and said my file number was 2017-8662 and if i wanted to stop the delivery of the “papers” to contact them immediately. She then called my daughter and said the same thing.

    3. Rakese Moyer on June 14, 2018 at 10:50 am

      So you didnt have to set up an arrangement? They called me from a local number and told me they were sending a summons to appear in court but because I didnt receive their letters by mail they would settle with me outside of court. I’m not sure if it’s TRUE or not but I’m not paying anything. They emailed me a copy of their records saying I owe money but it never went to my credit how can it go to court. I’m glad I read your post.

    4. Ericka Gordon on January 11, 2019 at 5:38 pm

      RMA Recovery contacted me last year calling my job about a payment and i sent the first small payment to them they said that was going to garnish my wages if i did not pay them so i set up another payment for them to take and the money stayed in my account over a month and someone contacted me today saying they was calling me from thomas and watson law firm i can pay them or they will subpoena me court papers at my job January 15 2019 that’s Tuesday I also told them that I haven’t received any papers to go to court to try to fight for my rights and set up any payment arrangements with them. I have know idea what this company is up to but i feel that it’s very unfair to harass someone on their job while they working what’s false information

    5. Armando on January 24, 2019 at 9:35 am

      So did you go to court and all your information was correct ? Same situation they have all my info just not my employer.

    6. Jessica on July 15, 2019 at 10:37 am

      I just had RMA contact me as well. They called my mother first, and asked to have my attorney or me call them back. So I called them back. At first the lady was nice. She said it was from some loan in 2016 (which for the life of me I cannot remember ever doing that) had all my info. I have 9 years of working in an attorney’s office, so I asked that she send me the paperwork of proof that I owe this loan. She emailed me a collection letter. She kept saying I made a $350.00 payment but needed to get the rest settled. I told her no I do not want your collection letter, I need proof that this is in fact my loan as I cannot remember ever taking out a loan that year. THEN she got very upset, starting yelling at me and wouldn’t even let me talk. I kind of chuckled as I said its my legal right to ask for the proof that this is my loan so until you provide me with that do not call me or request me to call you. Man, she was so upset over me just asking for proof, that it made me wonder. And the fact that she literally was screaming at me. I did send a response email back to the same email that she sent my collection letter from and explained why I will not pay and how very rude their caller was. Not sure what to do from here now.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.