A text from short code 36909 or an “SWP*RMP” charge can feel confusing at first. Both belong to Receivables Management Partners, a healthcare debt collector working for hospitals and physician groups. Federal lawsuits document specific patterns in how this company communicates with consumers.
Key Takeaways
- Receivables Management Partners, LLC is a real, licensed healthcare debt collector based in Greensburg, Indiana
- The company also operates as RMP Services LLC and is part of the Meduit family of companies 🏥
- RMP contacts consumers by phone, text message via short code 36909, and mail 📱
- Four federal lawsuits allege FDCPA, TCPA, and Illinois consumer fraud violations
- Each unauthorized automated text can carry a separate $500 to $1,500 TCPA violation
- The Wood Firm PLLC works on contingency, so you pay nothing unless we win
Free Case Review: +1-844-638-1122
Who Is Receivables Management Partners?
Receivables Management Partners, LLC is a healthcare revenue cycle management company based in Greensburg, Indiana. The company also operates as RMP Services LLC and is part of the Meduit family of companies. It holds an A+ BBB rating and has operated for over 17 years.
RMP focuses on early-out self-pay medical accounts and bad debt recovery for hospitals and physician groups. They typically work directly with healthcare providers rather than purchasing old charged-off accounts. That means the debt is more likely a recent unresolved medical bill than a years-old account.
In our practice, we request the original healthcare provider agreement on every RMP file we open. That document usually confirms which specific hospital or physician group the debt actually belongs to.
- Also known as: RMP Services LLC, RMP
- Headquarters: Greensburg, Indiana, with offices in Michigan, Illinois, Pennsylvania, and Texas
- Specialization: Healthcare and medical debt for hospitals and physician groups
- Business model: Part of the Meduit family of companies
- BBB Record: A+ rated, with over 40 complaints filed
What Are the Phone Numbers and Text Codes for RMP?
RMP contacts consumers from several numbers, plus a dedicated text short code and a payment descriptor. Document every contact, including the exact number or code and message content.
- Primary consumer line: (800) 299-0045 | 800-299-0045 | 8002990045
- Alternate consumer line: (800) 466-6933 | 800-466-6933 | 8004666933
- Regional office number: (254) 772-6111 | 254-772-6111 | 2547726111
- Alternate regional number: (254) 761-2537 | 254-761-2537 | 2547612537
- Additional reported number: (855) 831-3426 | 855-831-3426 | 8558313426
- Additional reported number: (800) 653-2851 | 800-653-2851 | 8006532851
- Text short code: 36909
- Bank statement descriptor: SWP*RMP
If RMP used an automated or prerecorded message on your cell phone without prior consent, that matters. Each one may carry $500 to $1,500 in TCPA damages. The 2021 Clark v. RMP case raised this exact issue.
If “SWP*RMP” appears on your bank statement, that reflects a payment processed through RMP. You have the right to verify that charge against what you actually agreed to pay.
Why Is Receivables Management Partners Calling You?
RMP is calling you because a hospital or physician group assigned or referred your account for collection. They work as a first-party collector, contacting you under the provider’s own name. They also work as a third-party collector once an account moves to formal bad debt status.
A message that appears to come from your hospital may actually be sent by RMP.
Is Receivables Management Partners a Scam?
Receivables Management Partners is a real, licensed debt collector, but licensed doesn’t mean every tactic is legal. The company holds an A+ BBB rating and has operated for over 17 years.
Over 40 BBB complaints and multiple federal lawsuits document specific conduct that courts have scrutinized. You can verify RMP’s identity on our list of collection agencies.
Is Receivables Management Partners Banned by the FTC?
No. Receivables Management Partners has not been banned by the FTC. That doesn’t mean their conduct has escaped legal scrutiny.
Four separate lawsuits document a recurring pattern of confusing balances, unclear creditor identification, and unauthorized fees. Consumers can also file directly with the FTC or CFPB if they believe a violation occurred.
In our practice, we treat an A+ rating as no defense at all. We build cases from a client’s own letters and text messages, not a company’s public reputation.
Has Receivables Management Partners Been Sued?
Yes. Receivables Management Partners has been named as a defendant in multiple federal lawsuits.
- Heinkel v. Receivables Management Partners (2026): A proposed class action allegedly claiming RMP files lawsuits using defective debt assignments.
- Clark v. Receivables Management Partners (2021): Allegedly claimed FDCPA, TCPA, and state fraud violations tied to automated texts.
- Rhoads v. Receivables Management Partners (2017): A proposed class action allegedly claiming a collection letter showed two different debt balances.
- Menza v. Receivables Management Partners: Allegedly claimed unauthorized fees and failure to clearly identify the current creditor.
Across these cases, three patterns repeat: contradictory balances, unclear creditor identification, and unauthorized fees. If your letter or texts match these patterns, document them before responding.
In our practice, we compare a client’s letters against the exact allegations in these four cases. A close match often points straight to a viable claim.
What Can Receivables Management Partners Not Legally Do?
- Calls or texts outside permitted hours: No contact before 8 a.m. or after 9 p.m. in your time zone
- Confusing or contradictory letters: The Rhoads case shows two conflicting balances in one letter is a documented pattern
- Failure to identify the creditor: Every notice must state which hospital or physician group the debt is owed to
- Third-party disclosure: RMP cannot discuss your medical debt with family, employers, or neighbors beyond locating you
- Unauthorized fees: RMP can only collect the original amount plus charges your provider agreement expressly authorized
Our FAQ on when a debt collector can contact your family covers the narrow exceptions that apply.
Can Receivables Management Partners Sue You or Garnish Your Wages?
Yes, with a valid court judgment. They cannot garnish wages or levy a bank account without first filing a lawsuit and winning.
Any threat of immediate garnishment without disclosing those required steps is a false representation under the FDCPA. See our FAQ on wage garnishment threats.
How Do You Respond to Receivables Management Partners?
Save Every Text, Letter, and Voicemail
Screenshot texts from 36909 and save voicemails. Write down every call’s date, time, and number, along with the exact content.
Compare Their Balance Against Your Original Bill
Request an itemized statement from your healthcare provider. If RMP’s letter shows a different amount, or two conflicting amounts, document that discrepancy first.
Send Written Debt Validation Within 30 Days
Demand the amount owed, the original creditor’s name, an itemized statement, and proof of their collection authority. Learn how to request debt validation. All collection activity must stop until they respond.
Send a Cease-and-Desist Letter
Know what to say and not say before sending it. After receipt, RMP may only contact you to confirm cessation or notify you of legal action.
Receivables Management Partners and Your Credit Report
If RMP reported your account to Equifax, Experian, or TransUnion, that reporting must be accurate. The Fair Credit Reporting Act requires it. Common errors include incorrect balances, duplicate entries, and reporting that continues after a proper dispute.
Dispute inaccurate entries directly with each bureau, which must investigate within 30 days. Our FAQ on credit bureau reporting rules covers what’s permitted.
In our practice, we pull a client’s full credit file before disputing an RMP entry. Inconsistent dates or balances across bureaus often strengthen the dispute.
Why The Wood Firm PLLC for Receivables Management Partners Cases
The Wood Firm PLLC has focused exclusively on consumer protection since 2010. We’ve never represented a creditor or debt collector. We handle FDCPA, FCRA, and TCPA cases on contingency.
Contact typically stops within 48 hours of our legal notice. Learn more about how we work for you, then call our office directly at +1-844-638-1122.
An A+ rating doesn’t settle whether RMP followed the law in your case. Visit our contact page or call +1-844-638-1122 for a free case review.
The Wood Firm PLLC handles these cases on contingency. If RMP broke the law, they pay our fees.
Frequently Asked Questions About Receivables Management Partners
Who is behind the number (800) 299-0045
That number belongs to Receivables Management Partners, LLC, also known as RMP Services LLC. They collect on behalf of hospitals and physician groups.
Is Receivables Management Partners a scam or legitimate
Legitimate. RMP holds an A+ BBB rating and has operated for over 17 years. Federal lawsuits document specific illegal conduct, but legitimacy doesn’t make every practice legal.
What does SWP*RMP mean on your bank statement
That’s the payment descriptor RMP uses when processing a transaction. If you didn’t authorize that payment, contact your bank and The Wood Firm PLLC immediately.
Is a text from short code 36909 from RMP
Yes. Short code 36909 is associated with RMP’s text outreach. An automated text without your prior written consent may be a TCPA violation worth $500 to $1,500.
Can Receivables Management Partners sue you or garnish your wages
Yes, with a valid court judgment. They cannot garnish wages without first filing a lawsuit and winning it.
How do you dispute the amount RMP says you owe
Send a written debt validation request by certified mail within 30 days of first contact. Compare their stated amount against your original medical bill.
Can you sue Receivables Management Partners for harassment
Yes, if confusing letters, unauthorized fees, or unauthorized texts violated the FDCPA or TCPA. Damages can reach $1,000 per FDCPA violation and $500 to $1,500 per unauthorized text.
What Should You Do Next About Receivables Management Partners?
If RMP’s letter shows conflicting balances or you received unauthorized automated texts, document that today. The Wood Firm PLLC reviews these files on contingency, so a consultation costs nothing. Call +1-844-638-1122 for a free file review.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
