#1 Way to Remove 'RRS Collections' (Hurting Your Score)

They're usually calling because Rapid Recovery Solution Inc. (RRS Collections) claims you owe an account they were assigned - most often medical bills, credit‑card balances, or utilities - and they want payment or verification. Based on consumer complaints, RRS tends to chase accounts over about $500; calls can be routine collection outreach, skip‑tracing to find you, or - sometimes - a scam or misassigned debt, so don't admit liability over the phone.

Verify immediately by demanding written debt validation and the original creditor's details before you pay or negotiate. Check your credit reports for matching tradelines and dispute any errors; persistent calls can signal a reporting mistake a professional review or credit repair process might uncover (and resolve) without you paying an unvalidated charge. Document every contact, refuse to give sensitive info by phone, and remember that ignoring unverified calls risks an inaccurate report that, if submitted, can shave as much as ~100 points off your score according to consumer complaints.

Most RRS Collections files are consumer accounts - primarily medical bills, telecom services, bank/credit-card and retail/store debts.

Those records usually come after an original creditor (a hospital, phone/internet company, bank or retailer) charges off or assigns the balance; RRS may either service the account or buy it outright, then pursue payment or report it. Check how the account is listed, the original creditor name, date of first delinquency, and the balance to see what you're actually dealing with.

Locate the specific entries on your reports at get your free credit reports, review the account type and creditor, and - if several accounts or types look wrong - avoid calling the collector; instead dispute in writing or consult a consumer attorney, nonprofit credit counselor, or accredited credit specialist to handle disputes and debt validation for you.

• Medical debts (hospitals, clinics, labs)
• Telecommunications (mobile, cable, internet, VOIP)
• Financial services (credit cards, personal loans, auto loans, bank debts)
• Retail/store accounts (store cards, BNPL, catalog debt)
• Other consumer obligations sometimes placed with collectors (utilities, rent, payday loans)

Treat RRS Collections as a real debt‑collector with a checkered record: it appears to have operated since about 2008 but carries numerous FDCPA complaints, so verify before you pay.

Quick verification steps you can do right now:

• Ask for full company name, remittance address, and their physical address (they list 25 Orville Drive Suite 101A, Bohemia, NY 11716).
• Demand written validation: original creditor, account number, exact balance, date of last activity, and proof of assignment.
• Check for a state collection license where you live and confirm the business registration.
• Compare the info you get to the CFPB guide to spotting scammers.
• Never give bank or card info over the phone; insist on mailed validation first and keep copies of everything.

They're not on the FTC's banned‑collector list per available data, but there are 6+ lawsuits and many FDCPA complaints alleging aggressive tactics - treat calls as high‑risk. Document every contact (dates, times, rep names, call content), send validation by certified mail, refuse to admit liability on calls, and consider professional mediation or an attorney if the tone is threatening or the documentation is weak.

Here are RRS Collections' confirmed phone numbers, mailing address, and company president for official inquiries.

• Phone: (631) 776-8109 or (888) 394-4293
• Address: 25 Orville Drive, Suite 101A, Bohemia, NY 11716-2510
• President: John Monderine
• Disputes: send certified mail with return receipt and keep copies.

Do not trust numbers given only in incoming calls - unverified lines are often scams. For complicated cases, talk to a credit specialist before you contact RRS.

You're protected by federal consumer‑protection rules when you deal with RRS Collections: you can demand proof, stop harassment, and limit when and how they contact you.

You have a right to a written validation notice soon after first contact and 30 days to dispute the debt in writing; if you dispute properly, collection must pause until verification is sent. For the official federal summary of these consumer protections see the FTC guide to debt collection.

Collectors may not harass, lie, or use unfair practices; may only call between 8 a.m. and 9 p.m. (your local time); cannot contact third parties except to get location info; and must stop contacting you if you send a written 'cease' request (the debt still exists unless validated or removed). Log every contact with dates and times. Record calls and save messages for proof, but check your state's recording laws before you record.

If rules are broken you can seek remedies: statutory damages (up to $1,000), actual damages, and attorney's fees under the FDCPA, plus regulatory complaints to the CFPB/FTC or state attorney general and private lawsuits or small‑claims actions - so keep certified mail receipts, call logs, and copies of every letter.

Send a certified, written validation request within 30 days demanding the original creditor's name, the exact amount, and documentation proving the debt - if RRS Collections can't validate, they must stop collection and you can challenge any reporting. (consumerfinance.gov, ftc.gov)

Mail a short, firm letter by certified mail (return receipt). Ask for: account history, chain of ownership, a copy of the original contract, and how they calculated the balance. Use the CFPB sample letter as a starting point: CFPB debt-collector template. Keep copies and the certified-mail proof. If they don't validate, collectors must cease collection of the disputed portion until verification and should not lawfully report unverified debts. (thebalancemoney.com, consumerfinance.gov)

If RRS still ignores or reports, dispute the tradeline with each credit bureau, file complaints with the CFPB and FTC, and consider a cease‑and‑desist or an FDCPA lawsuit with a consumer‑rights attorney. Note: credentialed reviews help - Consumer Reports found a substantial share of participants uncovered serious debt-reporting errors, so expert review can convert validation failures into removals. (consumerreports.org, consumerfinance.gov)

• Send certified letter within 30 days (return receipt requested).
• State you dispute the debt and request: original creditor, itemized balance, ownership chain, and original contract.
• Attach copies of any records you have; keep originals.
• Wait for written validation; if none, file disputes with Equifax/Experian/TransUnion.
• Lodge complaints with CFPB and FTC; consult a consumer‑protection attorney if collectors keep reporting or sue.

Start by disputing the listing with the credit bureaus and the furnisher and sending RRS a written debt‑validation request - do not pay or admit the debt. (consumerfinance.gov)

Prepare your evidence: pull copies of the credit report(s) showing the RRS entry, any account statements proving it's not yours, photo ID, proof of address, and an IdentityTheft.gov or police report if you suspect fraud. Note the date you first saw the collection and whether the debt may be time‑barred. (consumerfinance.gov)

Do these exact steps:

• Dispute each bureau (Experian, Equifax, TransUnion) online and by certified mail with return receipt; include the report pages and supporting docs.
• Send a written validation/dispute to RRS (certified mail) demanding chain‑of‑title, original creditor info, and proof you owe it.
• If identity theft is suspected, include the police/IdentityTheft.gov report and ask bureaus to place a fraud alert or block the item.
• Keep every certified‑mail receipt, dates, and copies; recheck all three bureaus after 30–45 days.
• If a bureau confirms the item but you have proof it's wrong, escalate (CFPB complaint) and demand correction. (consumerfinance.gov)

Follow the CFPB template at how to dispute an error for wording and required elements. (consumerfinance.gov)

Errors are common: federal research finds roughly one in five consumers had an error on at least one major report, and correcting invalid collection entries has produced 50–99 point improvements for a measurable subset of people. That's why a clean dispute matters. (ftc.gov)

If RRS verifies an account incorrectly, file a CFPB complaint and include your dispute packet and certified‑mail proof; CFPB will forward it and track the company's response. If you prefer, a reputable credit‑repair professional can manage multi‑bureau disputes for you - but choose one that follows the Credit Repair Organizations Act (no upfront guarantees or illegal promises). Keep records and stay persistent. (consumerfinance.gov, investopedia.com, ftc.gov)

Yes - federal rules let collectors call, but they can't harass you or ignore clear limits. They must follow the FDCPA: reasonable hours, limited third‑party contact, and stop if you tell them not to contact you at work or at all.

• Work calls: you can tell them to stop contacting you at work and they must comply; if your employer bars calls, that's another protection.
• Social media: collectors may not publicly post about your debt or disclose details on platforms; private messages that reveal debt are also forbidden.
• Hours and third parties: calls are restricted to 8 a.m.–9 p.m. local time; third parties (friends/family) may be contacted only once and only to obtain your location - they cannot be told you owe money.

Document everything. Save dates, times, caller ID, voicemails, and screenshots of messages. If RRS keeps calling outside 8–9 or contacts coworkers or family after you object, many complaints allege exactly that - record the behavior and prepare evidence before filing.

• Send a written cease‑and‑desist (certified mail, keep receipt); request debt validation in the same letter.
• If violations continue, file complaints with the CFPB, FTC, and your state Attorney General and include recordings/screenshots.
• Consider a consumer attorney or nonprofit credit counselor - they can stop illegal contacts and help resolve or dispute the debt.

You stop abusive behavior fast by asserting your rights: send a written cease-and-desist, demand debt validation, and document every contact so illegal calls and threats can't continue.

Send a clear cease-and-desist letter by certified mail (return receipt requested) and include a written debt-validation request within 30 days; tell them to communicate only in writing and to stop all phone contact except to confirm receipt. Keep everything: dates, times, call recordings where allowed, screenshots, voicemails and copies of mailed letters; use examples and templates such as RRS Collections complaint examples to shape your letter and complaint text.

If they keep violating the FDCPA, file complaints with the CFPB and FTC and with your state attorney general, and consider an FDCPA suit or small-claims action - there are 6+ FDCPA suits involving RRS with consumer awards averaging $500–$1,000, so document everything and weigh hiring a consumer-attorney or credit professional to amplify disputes and stop the harassment.

Yes - but only when the original contract or state law allows it and the collector properly discloses and itemizes those added interest, fees, or charges.

Check these conditions and take action:

• Contract permission: the loan or card agreement must expressly allow post‑charge‑off interest/fees; read your original contract.
• State law limits: some states cap collectible fees. In New York (RRS's location) statutory limits apply - always request an itemized breakdown.
• Judgment status: a court judgment can authorize post‑judgment interest or fees under state rules.
• Statute of limitations: time‑barred debts may make new interest or fees unenforceable.
• Debt buyers & add‑ons: purchasers sometimes tack on fees; demand proof those charges were permitted by the original account.
• Disclosure & validation: collectors must disclose added amounts and provide an itemized statement on request; if they can't, dispute the charges and demand validation.
• If fees look inflated, dispute under the FDCPA - it can force reductions and often saves ~20–30% of the claimed balance; if that fails, negotiate a written settlement or seek state consumer help.

No - a collection agency like RRS cannot legally take your pay or tap your bank without first getting a court judgment (and you getting notice and a chance to be heard). (consumerfinance.gov)

A collector must sue, win a judgment, and then use court tools (writ of garnishment or bank levy) to collect. Your employer or bank will only act after receiving that court order and the statutorily required notices. (consumerfinance.gov)

Federal benefits (Social Security, SSI, VA, most federal retirement) are generally shielded from private creditors - and banks must protect roughly two months' worth of direct‑deposited benefits if a levy arrives. Exceptions exist for government claims (taxes, defaulted federal student loans) and court‑ordered family support. (consumerfinance.gov, library.nclc.org)

State rules add layers. For example, New York caps private‑creditor garnishments at the lesser of 10% of gross wages or 25% of disposable earnings (and won't garnish if earnings are below 30× the minimum wage). Other states use different formulas. Always check your state's statute. (nolo.com, upsolve.org)

Collectors often bluff - threats to instantly garnish, freeze accounts, or arrest you are common and usually illegal under the FDCPA. If RRS makes those threats, document everything and report them to the CFPB, FTC, and your state attorney general. You can also ask the collector for written proof of any judgment. (consumerfinance.gov, ftc.gov)

If you're facing a freeze or garnishment: check court records to see if a judgment exists, tell the bank if funds are federal benefits, file a claim of exemption quickly, and get legal help (many states offer free legal aid). Don't pay until you verify the debt and the legal paperwork. (consumerfinance.gov)

They have no BBB accreditation and the BBB flags a clear pattern of consumer complaints about aggressive collections and poor servicing. See the Rapid Recovery Solution BBB profile. ([bbb.org](https://www.bbb.org/us/ny/bohemia/profile/collections-agencies/rapid-re…))

Most publicly posted complaints describe harassment & abusive calls (threats, calling at work, robocalls) and communication failures (no statements, hard-to-reach reps, delayed remittances). Law firms and consumer pages document those same themes and show examples where collectors' behavior raised potential FDCPA issues. ([lemberglaw.com](https://lemberglaw.com/rapid-recovery-solution-rrs-collections-complain…), [agrusslawfirm.com](https://www.agrusslawfirm.com/blog/rapid-recovery-solution/?utm_source=…))

Because dozens of consumer posts and attorney pages report similar conduct, there's an emergent pattern that strengthens disputes: cite the BBB alert, save call logs/screenshots, demand written debt validation, and reference FDCPA violation patterns if you escalate or retain counsel. These public records are useful evidence when disputing RRS on your credit report or pursuing legal remedies. ([lemberglaw.com](https://lemberglaw.com/rapid-recovery-solution-rrs-collections-complain…), [complaintsboard.com](https://www.complaintsboard.com/rapid-recovery-solution-b128559?utm_sou…))

There are no widely reported, nationwide class-action verdicts against RRS; the public record shows individual FDCPA suits instead.

• Ehlrich v. Rapid Recovery Solution, Inc. (filed 2009; motion to dismiss denied on FDCPA grounds).
• Other isolated FDCPA complaints and civil suits appear on federal dockets and consumer‑law sites. (law.justia.com, agrusslawfirm.com)

Most RRS-related matters resolve as individual claims or small settlements rather than big class payouts. Courts and settlement notices for comparable collector cases show per‑plaintiff recoveries commonly in the low hundreds, and in some instances up to about $1,000 (named‑plaintiff awards can be higher).

If you're named or a class member, payouts are usually modest and depend on claims filed and attorney fees. (accountsrecovery.net, topclassactions.com, agrusslawfirm.com)

If you want to watch for new filings or join a case, monitor federal dockets and contact consumer‑protection lawyers quickly. Use the official PACER tools to find new complaints and save searches, and reach out to consumer law firms that advertise FDCPA class or individual representation - they'll tell you if a case is certified and how to opt in. For docket searches use search PACER dockets. (pacer.uscourts.gov, lemberglaw.com)

• Weekly: run a PACER name search for RRS variants and save alerts. (pacer.uscourts.gov)
• Sign up: join consumer‑law firm mailing lists and class‑action trackers for notice of settlements. (bbb.org)
• Document: keep all validation requests, call/text records and credit reports ready if counsel asks you to claim.
• Act fast: short claim deadlines and opt‑in windows mean delays can forfeit recovery or standing.

Don't panic - act fast: verify the claim in writing, preserve evidence, and use your 30‑day window to force proof before you say or pay anything.

Within days send a written validation request (certified mail, return receipt) asking for itemization, original creditor, chain of assignment, last payment date, and copies of contracts or judgments; use the CFPB model validation notice as your template and keep copies of everything. (consumerfinance.gov)

Check the statute of limitations for your state before you negotiate or make any payment - even a small payment or written admission can restart the clock and revive an otherwise time‑barred debt, so don't acknowledge or pay until you confirm the legal timeline. (consumerfinance.gov)

If the collector validates the debt and it's legitimate, demand a written settlement or payoff letter before paying, insist on 'zero balance' reporting, and get all promises in writing; if it's invalid, dispute with the credit bureaus and consider a professional credit review - experts often spot reporting or chain‑of‑title errors that can remove the tradeline fast. (consumerfinance.gov)

If the collector ignores validation requests, harasses you, or files suit, preserve call logs and letters, file complaints with the CFPB/state AG, and talk to a consumer attorney about FDCPA or state‑law claims; acting quickly and methodically is the single best way to stop harm and protect your score.

Ignoring RRS Collections won't make the debt go away and raises your chance of legal action and long‑term credit harm.

• Lawsuits: silence makes default judgments more likely; if sued you can lose by default.
• Credit impact: collections can stay on your credit report up to seven years from first delinquency.
• Garnishment/bank action: a court judgment can lead to wage garnishment or bank levies (state rules vary).
• Fees & interest: collection costs or interest may be added, increasing what you owe.
• Higher sue probability: studies show ignoring collectors can raise the chance of being sued by roughly 40%.

If you can't pay, act fast: request written debt validation, ask RRS for a hardship plan or a written settlement, dispute errors, and get offers in writing; consider using credit‑repair services to challenge validity without payment and consult a consumer attorney if served.

For step‑by‑step rights and dispute options see the CFPB debt collection guide.

Not automatically - settling for less with RRS Collections can save you money but it isn't free of costs and trade‑offs. Reduced balance and quick closure are real benefits: collectors commonly accept roughly 40–60% of the alleged amount if you negotiate, which can cut your liability fast and stop collection activity.

However, there are downsides you must weigh. Settlements usually show on your credit file as 'settled' or 'paid‑settled,' which hurts more than a timely payment and can linger for years; forgiven amounts over ~$600 can trigger tax paperwork (1099‑C) and taxable income; and paying a time‑barred debt can restart the statute of limitations in some states. Always demand written terms that specify the exact reporting language and a full release of the account.

Practical playbook: first request debt validation (don't pay until you verify). If the debt is invalid, dispute or use credit‑repair routes - that can remove the tradeline entirely and is often better than partial payment. If you choose to settle, insist on get everything in writing (amount, 'paid in full' vs 'settled,' no further collection) and consult a tax advisor before finalizing.

Yes - a collector like RRS Collections can take you to civil court for unpaid consumer debt, but they cannot have you arrested for not responding to collection notices.

Collectors typically sue when the account is worth pursuing (commonly debts over about $1,000) or after a validation period if you don't timely dispute; RRS lawsuits are uncommon but can be aggressive, and ignoring a summons usually results in a default judgment against you. Deadlines to answer a complaint are short (often about 20–30 days depending on your state), so silence is risky.

Fight smart: send a written dispute and request validation, check whether the debt is time‑barred (statutes of limitations vary, often 3–6 years), and gather proof the debt isn't yours. If you're served, quickly respond in court - you can file a court response with SoloSuit to avoid a default judgment and buy time to build a defense.

If the collector sues and wins, they may use the court judgment to garnish wages, levy bank accounts, or place liens according to state law - but not arrest you for ordinary consumer debt; consider free legal aid, a consumer attorney, or negotiating a settlement rather than letting a default judgment stand.

You can force RRS to stop unlawful collection tactics and recover money by filing regulatory complaints and suing under federal and state consumer‑protection laws.

Start by documenting everything (dates, texts, letters, call logs). Send a written debt‑validation request and, if harassment continues, a certified cease‑and‑desist. File disputes with the credit bureaus under the FCRA for inaccurate reporting. File complaints with the CFPB and FTC and your state attorney general or consumer protection office to trigger investigations and possible enforcement. If you have direct harms (stress, lost wages, fees), you can sue in court: the FDCPA allows statutory damages (up to $1,000) plus actual damages, court costs, and attorneys' fees; state unfair‑practice laws may add remedies. You can pursue small‑claims court for limited amounts or full civil suits for larger claims. Preserve evidence and note that recording laws vary by state.

Gather proof and get counsel when warranted - debt‑collection suits are specialized. There are reported lawsuits against RRS (several civil actions exist), and plaintiffs with solid evidence often prevail, so collect written notices, payment records, and any call recordings (only if legal in your state). For tougher cases or to evaluate damages, consult a consumer‑debt attorney - for example, see Agruss Law RRS case write-up for a firm that handles RRS matters.

Act now and stay methodical: keep copies, use certified mail, meet deadlines (statutes of limitation vary), and escalate to an attorney if RRS ignores validation requests or continues illegal conduct.

• Collect all communications and payment records
• Send debt‑validation and cease‑and‑desist by certified mail
• Dispute inaccuracies with each credit bureau in writing
• File complaints with CFPB, FTC, and state AG
• Consider small‑claims or FDCPA lawsuit (statutory + actual damages)
• Preserve call recordings only if your state allows it
• Contact a consumer‑debt attorney for court filing and fee recovery

Yes - you can sometimes avoid paying RRS Collections, but only if one of a few legal or factual defenses applies and you act correctly. (consumerfinance.gov)

If RRS can't verify the debt, you can force a stop-to-verify by demanding written validation and disputing the account with the bureaus; furnishers must investigate and remove unverifiable items. Start by sending a written validation request and a credit-report dispute (see how to dispute an error on your credit report). (consumerfinance.gov)

Other paths: the statute of limitations (time‑barred debt) can block lawsuits - collectors may still call but cannot sue or threaten suit for expired debts - and a bankruptcy filing or discharge halts collection and can eliminate the obligation when applicable. Know your state SOL and keep records; partial payments can restart the clock. (consumerfinance.gov)

Practical move: don't pay until you get verification; send certified-mail disputes; document everything; if bureaus or RRS fail verification, request deletion. Credit‑repair firms often succeed at filing disputes and removing unverifiable items, but beware scams - you can do most of this yourself or get a reputable consumer‑law attorney for complex cases. (consumerfinance.gov)

Yes - if the RRS Collections item is disputable, pursuing credit‑repair (disputes and documentation) often removes inaccurate listings faster than simply paying them. Paying typically converts the entry to 'paid collection,' which can still drag your score down (commonly a 50–100 point impact) and remain on reports for up to seven years; credit repair targets verification, reporting errors, duplicates, or identity issues so the account can be corrected or deleted instead of merely marked paid.

Credit repair is most useful when the debt is incorrect, unverified, or outside the reporting window - dispute work yields many successful corrections (about a 79% success rate in consumer dispute outcomes) and can restore points sooner, but it costs time and sometimes fees. If the debt is clearly valid, legally enforceable, or you need to stop lawsuits, negotiate or pay after getting validation. Start by pulling your credit reports, submitting a formal validation request to RRS Collections, then decide whether professional dispute help or direct negotiation will give the faster, cheaper route to fixing your score; see FTC on credit repair services for consumer guidance.