RMB Inc contact often begins after a company claims it was hired to collect an alleged past-due balance on behalf of a business or creditor. Learn what to do if a collection agency is pressuring you to pay an old, out-of-statute debt.If the calls, letters, or voicemails feel urgent but do not clearly identify the original creditor, the amount breakdown, or the account dates, pause and request the details in writing before you pay, confirm the debt, or share personal information. Public business listings indicate RMB Inc operates as a collection agency and publishes contact identifiers such as phone numbers and mailing addresses, which you can use to verify you are dealing with the correct company.
Table of Contents
- Who Is RMB Inc?
- Why Does RMB Inc Contact You?
- What their Harassment Can Look Like
- Is RMB Inc Breaking the Law?
- Lawsuits Against RMB Inc
- Contact Information
- How to Stop Collection Calls
- What Proof to Request to Verify the Debt
- How to Handle “Official” Letters
- What to Do If They Mention Legal Action
- Get Help With Harassment
- Success Stories
- Common Questions RMB Inc
Who Is RMB Inc?
RMB Inc is publicly listed as a third-party debt collection agency (also shown as “RMB, Inc.”) with a BBB profile that identifies it as being in the “collection agencies” category and provides specific addresses and phone numbers used for consumer contact.
Quick identity checks (do this before you talk about payment)
- Match the phone number to a public listing.
- Match the address on your letter to a public listing.
- Do not rely on caller ID alone. Spoofing is common in debt-collection scams, so a matching name on caller ID does not prove it is the real company.
Why Does RMB Inc Contact You?
RMB Inc may contact you because an account was placed for collection by another business. Many consumers don’t recognize the collector name because they remember the original provider or creditor, not the agency now calling.
Common reasons include:
- A past-due bill that was transferred to a third-party collector
- A balance tied to an older address, older service date, or prior provider
- A wrong-person or wrong-number skip-trace attempt
- A dispute where the creditor still shows an unpaid balance in its system
If you do not recognize the account, treat the first contact as a verification event, not a payment event.
Can a process server come to my house is i post no trespassing sign?
What RMB Inc Harassment Can Look Like
RMB Inc harassment concerns usually come up when contact feels like pressure without proof. If you believe the company keeps calling after you ask for written details, or the story changes depending on who you speak with, that pattern could indicate a compliance issue depending on the facts.
Real-world example from federal litigation (why documentation matters)
In a published Fair Debt Collection Practices Act (FDCPA) case involving RMB, Inc., the plaintiff alleged repeated calls and that the collector called family members, including after a written request to stop. The record discusses call frequency and third-party contact allegations, which is why saving voicemails and keeping a call log can matter if you later need to dispute conduct.
Call-frequency rule you can use as a practical benchmark
Regulation F (the CFPB’s FDCPA implementing rule) includes a presumption tied to call frequency for a specific debt (generally, more than 7 calls within 7 days about a particular debt, or calling again within 7 days after a phone conversation about that debt, may trigger the presumption). Whether something is unlawful still depends on context and facts, but the presumption helps consumers recognize potentially excessive patterns.
Is RMB Inc Breaking the Law?
Whether RMB Inc “broke the law” depends on what happened and what you can prove. If you believe a collector used harassment, deception, or unfair practices, that conduct could potentially violate the Fair Debt Collection Practices Act (FDCPA). The FDCPA restricts harassment, false or misleading representations, and unfair practices by third-party debt collectors.
Conduct that might violate federal rules (depending on facts) includes:
- Repeated calls intended to harass or pressure
- Threats the collector cannot legally take (like arrest for consumer debt)
- Misrepresenting the legal status of a debt or a lawsuit
- Discussing your debt with unauthorized third parties
Lawsuits Against RMB Inc
Lawsuits do not prove wrongdoing in every situation, but they can show what issues consumers have challenged in court.
A federal case involving RMB, Inc. discusses allegations about repeated calls and calls to family members, including after a written cease-and-desist request. If you believe your situation is similar, the practical takeaway is simple: move everything into writing, keep your logs, and request validation so the facts do not drift.
Contact Information
Below are contact details shown on the company’s BBB profile. Use these to verify identity, not as proof that a specific inbound caller is legitimate.
Contact table (public listing)
| Item | Public listing detail |
| Company | RMB, Inc. |
| Phone (listed) | 336-397-0051 |
| Additional phone (listed) | 865-694-1130 |
| Address (listed) | 4407 Providence Ln, Ste A, Winston-Salem, NC 27106 |
| Mailing (listed) | PO Box addresses are also shown on the profile |
How to Stop Collection Calls
If you want calls from RMB Inc to slow down fast, you need two things: a paper trail and short, repeatable wording.
Step 1: Stop handling it live on the phone
- Let calls go to voicemail when possible
- Save voicemails and screenshots of call logs
- Do not confirm SSN, DOB, or bank info on an inbound call
Step 2: Request written validation
Use one sentence:
“Please send written validation of the debt, including the creditor name, amount breakdown, and your authority to collect.”
Step 3: Limit communication channels
If calls are overwhelming, you can send a written request to limit contact (how effective this is can depend on the facts and the debt type). If contact continues in a way you believe is abusive, you may want legal guidance on the next step.
What Proof to Request to Verify the Debt
When RMB Inc contacts you, ask for proof that lets you check the claim against your records:
- Name of the original creditor
- Date range or service dates tied to the balance
- Itemized breakdown (principal, fees, interest)
- Account/reference number used by the collector
- Proof the collector is authorized to collect the debt
If the collector cannot provide basic validation, that could indicate the account is incomplete, inaccurate, or a wrong-party attempt.
How to Handle “Official” Letters
A letter can look official and still be unclear. If the notice is vague:
- Compare the creditor name to your records
- Check dates and addresses for mismatches
- Request written validation before paying
If you believe the letter is connected to a scam, consumer guidance recommends you verify independently and avoid paying before you confirm who you are dealing with.
What to Do If They Mention Legal Action
A real lawsuit typically includes:
- A court name and case number
- A summons/complaint
- A deadline to respond
If you only received phone threats or vague “legal department” language, that may be pressure tactics. If you receive actual court paperwork, do not ignore it. Deadlines can be short, and missing them can lead to default judgments.
Get Help With Harassment
If you believe RMB Inc harassment has crossed the line, legal support may help you document the pattern, demand proof correctly, and stop improper contact. Consumer Rights Law Firm PLLC can help you evaluate whether conduct may violate the FDCPA, Telephone Consumer Protection Act (TCPA), or FCRA (depending on the facts), prepare disputes, and communicate with collectors so you do not get pulled into repeated phone pressure.
Consumer Rights Law Firm PLLC
133 Main Street, Second Floor, North Andover, MA 01845
Phone: +1 877-700-5790
Email: help@consumerlawfirmcenter.com
Success Stories
“For weeks, my phone wouldn’t stop buzzing with calls from a debt collection agency. They were aggressive, rude, and even called my workplace. I was embarrassed and stressed out every single day. A coworker told me about Consumer Rights Law Firm, and I decided to give them a try. The moment I spoke with them, I felt relieved—they understood exactly what I was going through. They gathered all the details, handled the collectors directly, and the harassment ended almost overnight. I can finally answer my phone without anxiety.”
“I didn’t realize how much constant debt collection calls were affecting my mental health until they stopped. CRLF took my case seriously from day one, explained my legal options in plain English, and handled all the communication with the collectors. In less than a week, my phone went silent. The peace and quiet felt like a huge weight off my shoulders. They’re professional, compassionate, and genuinely care about helping people.”
“The collection agency calling me wouldn’t take ‘stop calling’ for an answer. I tried blocking their number, but they just used new ones. I felt trapped until I reached out to Consumer Rights Law Firm. Their team worked quickly, documented every call, and sent a strong legal message that made the harassment end immediately. I’m so grateful to them for restoring my privacy and peace of mind. If you’re dealing with the same problem, CRLF is the best solution.”
Common Questions About RMB Inc
Why is RMB Inc calling me?
They may be calling because a creditor placed an alleged past-due account with a third-party collector. Ask for written validation before paying or sharing personal data.
Is RMB Inc a real company or a scam?
A legitimate business profile exists, but scams can impersonate real collectors. Verify identity using a public listing and demand written validation before you engage.
What is the RMB phone number?
Public listings show more than one number. Use the phone numbers shown on the BBB profile to verify identity, not caller ID alone.
What does RMB Inc harassment look like?
It may include repeated calls, unclear voicemails, or pressure to pay before proof. If you believe the pattern is excessive, it could potentially raise Fair Debt Collection Practices Act concerns depending on the facts.
Can I ask them to stop calling?
You can request written communication and request validation. If contact continues in a way you believe is abusive, legal help may be appropriate.
What if the debt is not mine?
Dispute it in writing and request proof showing you owe it. Do not pay just to end the stress if the account details do not match your records.
Can they call my family or employer?
Collectors generally cannot discuss your debt with unauthorized third parties. If you believe they disclosed information to others, that might violate federal rules depending on the facts.
How many calls are “too many”?
Regulation F includes a call-frequency presumption tied to a specific debt. Patterns beyond that benchmark may be a warning sign, though legality depends on context.
What should I do if they threaten a lawsuit?
Ask for written account status and watch for real court paperwork. If you receive a summons and complaint, respond before the deadline.
How can Consumer Rights Law Firm PLLC help?
They can help you organize evidence, request validation properly, dispute inaccurate accounts, and evaluate whether conduct may violate FDCPA/TCPA/Fair Credit Reporting Act (FCRA) depending on the facts.
