Who is Rocky Mountain Recovery Systems?
Rocky Mountain Recovery Systems, Inc. is a debt collection agency based in Gillette, Wyoming, with additional offices in Casper and Powell, Wyoming. They help creditors recover debts owed to them by consumers who have become delinquent in their payments.
If you see Rocky Mountain Recovery Systems appearing on your credit report as a collections account, it means you have an unpaid debt that they are attempting to collect. This usually occurs when a bill has been defaulted or overlooked.
Who does Rocky Mountain Recovery Systems collect for?
Rocky Mountain Recovery Systems serves a diverse clientele across various industries. They handle collections for individual creditors and financial institutions, including the recovery of defaulted loans and unpaid credit card bills.
The agency also assists medical providers, retailers, and utility companies in collecting overdue bills. Furthermore, they work with commercial creditors to retrieve money owed from customer credits.
Is Rocky Mountain Recovery Systems legit or a scam?
Rocky Mountain Recovery Systems is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Rocky Mountain Recovery from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Rocky Mountain Recovery Systems, Inc. Contact Information
Address:
Rocky Mountain Recovery Systems, Inc.
101 Hastings Horseshoe
Powell, WY 82435
Rocky Mountain Recovery Systems, Inc.
400 S Kendrick Ave. Ste 202
Gillette, WY 82716
Rocky Mountain Recovery Systems, Inc.
400 E 1st St. Ste 312
Casper, WY 82601-2561
Phone number: (307) 754-8215
Should I contact or pay Rocky Mountain Recovery?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Rocky Mountain Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Rocky Mountain Recovery Systems on behalf of their clients.
Will Rocky Mountain Recovery Systems sue me or garnish my wages?
Rocky Mountain Recovery Systems could potentially resort to a lawsuit to recover debts, especially for larger amounts that remain unpaid after repeated attempts to collect. If they win a judgment in court, they may then seek to garnish your wages as a means of collecting the debt. However, it’s crucial to note that not all debt collectors will choose to go this route, as legal action can be time-consuming and costly.
Rocky Mountain Recovery Systems Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Rocky Mountain Recovery Systems
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Rocky Mountain Recovery Systems to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Rocky Mountain Recovery Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Rocky Mountain Recovery Systems must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Rocky Mountain Recovery Systems cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Rocky Mountain Recovery Systems From Your Credit Report Today!
Credit Saint offers assistance with disputing Rocky Mountain Recovery Systems collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
