Debt collection -- Took or threatened to take negative or legal action -- Complaint #18222971
Complaint Overview
Complaint ID: 18222971
Company: Receivables Management Partners, LLC
Product: Debt collection
Sub-Product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Indiana
ZIP Code: 46268
Date Received: 2025-11-08T12:00:00-05:00
Date Sent to Company: 2025-12-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Threatening to sue on debt that I am working on settling with debt management company, now the requested amount is even more which makes no sense. I believe this to be illegal and a bullying tactic and they are using other debt to say that this one is valid. Here are some examples that support my case. 1. Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, debt collectors are prohibited from engaging in abusive, unfair, or deceptive practices. If you are already negotiating a settlement with a debt management company, the collector 's continued contact and threats to sue may constitute harassment. 2. Violation of Settlement Agreement : If there is an existing agreement with the debt management company to settle your debts, the collection agency may be violating that agreement by pursuing collection efforts on the same debt. Legal precedent indicates that once a debt is placed under the management of a legitimate debt counselor, other collectors should cease attempts to collect. 3. Disputing Debt Validity : If the collector is allegedly inflating the amount owed or claiming that other unrelated debts validate this debt, this may violate the FDCPA. In XXXX v. Santander Consumer USA Inc., the court held that collectors must accurately represent the amount owed and not mix debts in a manner that confuses or coerces the debtor. 4. Employer Contact : The FDCPA also restricts debt collectors from contacting third parties about your debt, including your employer, unless they have your explicit permission or are trying to locate you. Threatening to contact your employer may be viewed as a bullying tactic and may expose them to legal repercussions. 5. Case Law on Harassment : In cases such as XXXX v. XXXX, the courts have ruled in favor of consumers when collectors engage in intimidation or threats that create undue stress or pressure on the debtor. If the collection company is aware that you are negotiating a settlement but continues to escalate threats, they may be engaging in unlawful harassment.
Frequently Asked Questions
What is Complaint #18222971 about?
Complaint #18222971 was filed against Receivables Management Partners, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-11-08T12:00:00-05:00.
How did Receivables Management Partners, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Receivables Management Partners, LLC?
Yes, visit the Receivables Management Partners, LLC company profile at readthecomplaint.com/company/receivables-management-partners-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.