Terrill Outsourcing Group, LLC calls consumers under the trade name Superlative RM. Court records show the company has faced multiple federal FDCPA lawsuits over its tactics. If calls from this company feel excessive or threatening, federal law may already be on your side.
Key Takeaways
- Terrill Outsourcing Group, LLC operates under the trade name Superlative RM, based in Phoenix, Arizona.
- The company has been named in multiple federal FDCPA lawsuits, including Stallworth v. Terrill Outsourcing Group and Gill v. Terrill Outsourcing Group.
- Consumer complaints describe excessive calling, failure to validate debts, and disclosure of debt details to third-party vendors.
- Every contact is governed by the FDCPA, regardless of whether the debt is valid.
- FDCPA violations carry up to $1,000 per lawsuit in statutory damages, plus actual damages.
- The Wood Firm PLLC has handled these cases exclusively since 2010 and has never represented a creditor.
Free Case Review: +1-844-638-1122
Who Is Terrill Outsourcing Group (Superlative RM)
Terrill Outsourcing Group, LLC is a third-party debt collection agency operating under the trade name Superlative RM. The company is based in Phoenix, Arizona, and specializes in consumer and retail debt recovery. It is certified by the Receivables Management Association International, and licensed to collect in multiple states.
Consumers also search for this company as The Outsourcing Group, Outsourcing Group LLC, and Superlative RM Phoenix. Distinct companies with similar names appear in related searches, including Convergent Outsourcing and Shepherd Outsourcing. They are not the same entity.
- Also Known As: Terrill Outsourcing Group, LLC; Superlative RM; The Outsourcing Group
- Address: Phoenix, Arizona
- Phone: Not publicly documented in a single number; consumers report calls from multiple numbers. Record the number shown on your caller ID for each call.
- Certification: Receivables Management Association International (RMAI)
In our practice, we tell callers to first request the collector’s legal name and the creditor’s name. A refusal to provide that information is itself an FDCPA violation.
Why Is Superlative RM Calling You
Superlative RM is calling you because a creditor assigned or sold your account to them for collection. The debt may involve a medical bill, a charged-off credit card, or a personal loan. Their first contact should include written notice within five days stating the amount owed.
Consumer reports filed with government agencies describe common patterns. These include repeated daily calls, contact after written cease requests, and disclosure of debt details to third parties. Each pattern, if it occurred, is a documented violation worth pursuing.
See our FAQ on what types of debt a collector can pursue. Also review what to do when a debt collector first contacts you.
Warning Signs Superlative RM Has Violated Your Rights
The following conduct is illegal under federal law, regardless of whether you owe the debt.
- Calling before 8:00 AM or after 9:00 PM. Each call outside those hours is an automatic, documentable violation.
- Calling your workplace after you object. See our FAQ on whether a collection agency can call your job.
- Calling more than seven times in seven days about one debt. CFPB rules effective November 2021 treat this as presumptive harassment. Our FAQ on how many times a debt collector can call per day has the full framework.
- Disclosing your debt to a third-party mailing vendor. This is the exact conduct alleged in the Stallworth lawsuit described below.
- Continuing contact after a written cease-and-desist. Know what to say and not say to a collection agency before and after you send one.
- Failing to validate the debt after a timely written request. Learn how to request debt validation.
- Threatening arrest or a bank levy without a judgment. See our FAQs on bank account levies and the number one rule when a collector calls you.
- Collecting on debt already past the statute of limitations. Read our FAQ on what zombie debt is.
These patterns overlap with several of the top FDCPA violations we see across collector cases generally.
In our practice, a saved voicemail or a caller ID screenshot often turns an account into a claim.
Is Superlative RM a Scam
Superlative RM is a real, licensed debt collection agency, certified by the RMAI. Licensed does not mean every tactic they use is legal. Consumer complaints allege excessive calling, failure to properly investigate disputed debts, and sharing account details with outside vendors.
According to consumer-attorney reporting, these patterns appear repeatedly across complaints filed against the company. Our firm treats a repeated pattern across multiple complaints as corroborating evidence, not just one person’s account.
Has Superlative RM Been Sued
Yes. Terrill Outsourcing Group, LLC has been named as a defendant in multiple federal FDCPA lawsuits.
- Stallworth v. Terrill Outsourcing Group, LLC. No. 1:21-cv-04332 (N.D. Ill.). The plaintiff alleged the company shared her debt information with a third-party mailing vendor without consent.
- Gill v. Terrill Outsourcing Group, LLC. No. 2:24-cv-01129 (E.D. Cal.). The plaintiff accused the company of unlawful debt collection practices.
- Clotz v. Terrill Outsourcing Group, LLC. No. 2:23-cv-01196 (E.D. Cal.). The suit challenged the company’s debt collection methods under federal consumer credit law.
- Ward v. Terrill Outsourcing Group, LLC. No. 2:19-cv-03582 (E.D. Pa.). The suit alleged improper third-party debt collection activity.
- Sperber v. Terrill Outsourcing Group, LLC. No. 7:19-cv-02147 (S.D.N.Y.). The case was filed and formally resolved within a few months.
- Daskal v. Terrill Outsourcing Group, LLC. No. 1:19-cv-01419 (E.D.N.Y.). The suit raised Fair Debt Collection Practices Act claims.
In the Stallworth case, a state court later dismissed the claim. The judge ruled that outsourcing letter printing did not itself qualify as debt-collection communication under that statute.
In our experience, that outcome does not close the door on similar claims. We examine each client’s own facts.
Is Superlative RM Banned by the FTC
No. Superlative RM has not been banned by the FTC. The company has instead faced private federal lawsuits and consumer complaints filed with the CFPB and state regulators.
A lack of an FTC ban does not mean the company has a clean record. If you experienced any of the documented complaint patterns above, that history can still support your own claim.
Claims like these fall under the federal FDCPA and, for robocalls, the TCPA. You can also file with the CFPB complaint portal, or read the full FDCPA text. These complaints create a documented record even before you speak with an attorney.
Yes, Superlative RM can sue you to collect a valid debt. A judgment can follow you for years. See our FAQ on how long a judgment stays on your record.
If your family was contacted, review when it is illegal for a debt collector to contact your family.
How The Wood Firm PLLC Helps Stop Superlative RM Debt Harassment
When we open a Superlative RM file, we pull the collector’s call records and any voicemails. We look for repeated calls, debt disclosure to a third party, or contact after a written cease request. Those patterns are what turn a phone call into a federal claim.
We handle these cases on contingency, so you owe nothing upfront. The Wood Firm PLLC has represented consumers exclusively since 2010, never a creditor or collector. See how we work for you and why clients choose us, then call +1-844-638-1122 for a free review.
Has Superlative RM violated your rights? 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 they violated federal law, they pay our fees.
The Wood Firm PLLC also handles cases against other collectors in related searches. These include Convergent Outsourcing, Transworld Systems, and the Collection Bureau of America. Browse our full list of collection agencies to confirm the company that contacted you.
Frequently Asked Questions
Is Superlative RM a legitimate debt collector
Yes, Superlative RM is a licensed debt collection agency. Being legitimate does not mean their methods are always legal. Read more about our firm if you want help evaluating your rights.
How many times can Superlative RM legally call me per day
CFPB rules presume harassment when a collector calls more than seven times in seven days about one debt. Even one call with a false threat is a violation. See our FAQ on how many times a debt collector can call per day.
Can Superlative RM report my debt to the credit bureaus
Yes, but that reporting must comply with the FCRA. Errors like incorrect balances or reporting after a timely dispute create separate liability. See our FAQ on credit bureau reporting rules.
Can Superlative RM garnish my wages without suing me first
No, wage garnishment requires a lawsuit, a judgment, and a court order. Threatening garnishment as an immediate consequence is a false representation. See our FAQ on wage garnishment threats.
What should I do if Superlative RM calls my workplace
Tell them your employer prohibits personal calls, then document the date. Any further call to your workplace is a standalone FDCPA violation. See our FAQ on collection agency calls to your job.
Can I sue Superlative RM even if I owe the debt
Yes, your right to be free from illegal collection conduct exists regardless of whether you owe the debt. Statutory damages run up to $1,000 per violation, plus attorney fees. The Wood Firm PLLC handles these cases on contingency.
How long do I have to file an FDCPA lawsuit against Superlative RM
Generally one year from the date of the violation. Document violations immediately and contact an attorney promptly. Waiting too long can forfeit your right to compensation.
What to Do If Superlative RM Keeps Calling
Document every call and send a written debt validation request within 30 days. Follow with a cease-and-desist if the calls continue. These steps preserve your strongest evidence.
Call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency, so you owe nothing unless we win.
Jeff Wood founded The Wood Firm PLLC in 2010 and represents consumers exclusively, never a creditor or collector. He is admitted to federal courts across nine districts, including AR, CO, NM, and TX. He practices from Arkansas.
