The phone number, 877-575-8182, is associated with a debt collection agency called Receivable Management Services. They are calling you because they think you owe a debt that has been placed with their agency for collection.
Whether or not you actually owe the debt, or if it belongs to someone else, or if you’ve already paid it, they will keep calling until they can’t call anymore.
If you’re getting calls from this number, you’re not alone. RoboKiller has reported over 64,846 calls from this number with 344 reports from consumers. Nomorobo identified it as a robocaller all the way back in April 2016 and calls are still being reported a decade later.
You have more power than you think in this situation. Learning more about this agency, why they might be calling you, and if there are any potential weaknesses in the debt they’re trying to collect can help you make the calls stop permanently.
Who is Receivable Management Services?
Receivable Management Services, also known as The Receivable Management Services, LLC (RMS), is a third-party debt collection agency. This means they don’t have an original relationship with you but were hired by a different company to collect on a debt that you owe them.
Company Name: The Receivable Management Services, LLC (RMS)
Company Type: Third-party debt collector
Parent Company: iQor Holdings, Inc. (acquired by Mill Point Capital as of June 2024)
Headquarters: 7350 Tilghman Street, Suite 300, Allentown, PA 18106
Industry Verticals: Insurance, healthcare, telecommunications, utilities, retail, financial services
Known Clients: Progressive Insurance, UnitedHealthcare, Energy Harbor, Dish Network, New York Life Insurance, Sears
Company Size: Approximately 3,000 employees; 1.5 million claims processed annually
BBB Rating: A+ (not accredited); 1.57 out of 5 consumer rating
CFPB Complaints: More than 333 complaints filed between 2013 and 2019
They’ve Been Here Before
Receivable Management Services isn’t a company that learns from its mistakes.
As a part of a joint investigation, the attorneys general of Connecticut, Idaho, Massachusetts, Minnesota, and North Dakota discovered an internal initiative the company called “REHAB PUSH.” Company leadership instructed representatives to call phone numbers that had previously been registered on a Do Not Call list. The resulting five-state settlement cost the company a $500,000 penalty.
Beyond regulatory action, RMS has faced federal lawsuits under the Fair Debt Collection Practices Act. At least three proposed class actions were filed in 2018 alone, alleging that letters from RMS misled consumers about their dispute rights.
If you’re receiving unwanted calls from this number, the company’s calling practices have already been the subject of government enforcement and litigation.
Why is Receivable Management Services Calling Me?
What They Collect
RMS operates as a third-party collector, which means they didn’t issue your account and have no direct relationship with you. Instead, they were hired by a different company to collect on an outstanding balance that the company couldn’t or didn’t want to collect. In many cases, the original creditor charged off the debt as a loss before passing it to RMS for collection.
That’s an important distinction to make. When the original creditor charged off the debt, that means they already wrote it off as a loss. This means that RMS is attempting to collect on a debt that the original creditor treated as uncollectible, which raises some questions about the validity of the debt.
According to consumer reports, the most common original creditors associated with calls from 877-575-8182 include Progressive Auto Insurance, UnitedHealthcare, Energy Harbor, and Dish Network. If the original creditor associated with the debt is not one you recognize, that’s your first red flag.
They May Not Even Have the Right Person
One of the most common complaints about this number is that RMS is calling the wrong person altogether. On 800notes, one consumer reported getting calls meant for their grandmother who hadn’t been insured with Progressive Auto Insurance for years. Another consumer on the same site reported daily calls asking for someone they’d never heard of.
This type of wrong-number harassment isn’t just an annoyance. It could also be a violation of the FDCPA, which governs how debt collectors can contact third parties. If you’re getting calls from RMS about a debt that isn’t yours, that’s a huge red flag about the accuracy of their records.
Red Flag Radar: Warning Signs of a Weak Collection Entry
Questionable Dates and Incomplete Info
The first step in using the Red Flag Radar method is to check your credit report. You can request a copy of your credit report for free once a year from each of the three major credit reporting bureaus — Equifax, Experian, and TransUnion.
Once you have your report, check the entry from RMS carefully. Make sure you recognize the date of first delinquency, reported balance, original creditor name, and account number. If any of these fields are blank, or contain information you don’t recognize, this could be a sign of a weak collection entry.
Many debts that end up with a third-party collection agency like RMS have already changed hands multiple times. Each time a debt is transferred from one company to another, the details of the account can become scrambled. You might find the dates are off, the balance is higher than it should be, or the original creditor is misidentified.
This type of sloppiness is par for the course in an industry that doesn’t have the highest standards for record-keeping.
No Validation Letter
Under federal law, a debt collector must send a written validation notice to a consumer within five days of first contact. This notice must include the amount of the debt, the name of the original creditor, and your right to dispute the debt within 30 days. If a collection agency places an entry on your credit report without sending this validation letter, that’s one of the biggest red flags you can find.
One consumer reported to the CFPB that they were unaware they even had a debt with RMS until they were denied financing for a major purchase. They claimed they never received any communication about the debt before discovering it on their credit report. This pattern of reporting first and notifying later is a theme that keeps coming up for this company.
What Happens When a Debt is Challenged
The Verification Process Puts Consumers First
When you initiate a dispute with the credit bureaus, they send a verification request to the collector. Then, the collector has a short period of time to respond with proof that the debt is valid and truly yours. If they’re unable to provide verification, the credit bureaus must remove the unverified item from your report.
This is where the law starts to work in your favor. Receivable Management Services processes approximately 1.5 million claims per year across debts in insurance, healthcare, telecommunications, and utilities. It’s incredibly difficult to maintain full and accurate documentation for every single account at this volume.
Collectors Frequently Fail to Verify
The success of credit report disputes hinges on a basic fact: debt collectors often fail to meet their verification obligations when challenged. They may respond with incomplete documentation, outdated records, or no response at all. When this happens, the disputed entry is deleted.
This isn’t a loophole; this is the system working exactly as it was intended when Congress passed the Fair Credit Reporting Act. You have the right to accurate information on your credit report and companies who can’t verify the items they’re reporting do not have the right to leave those items on your report. The reality that so many debts can’t be verified is a sign of how loosely these accounts are bought, sold, and reported.
Protect Yourself from RMS Collection Tactics
Why You Shouldn’t Answer the Phone
Your first instinct might be to answer the phone and try to get to the bottom of things. That’s exactly what Receivable Management Services wants you to do. As one consumer on 800notes reported, when they called the number back to ask who it was, the agent demanded the consumer’s phone number before the company would even identify themselves.
Every time you interact with a debt collector, you’re giving them more information and opening yourself up to pressure tactics. Instead, your best bet is to ignore collection calls entirely and shift the fight to your credit report, where federal law puts much of the power in your hands. If you’re not sure how to proceed, a credit repair professional who specializes in collection disputes can handle the process for you.
Dispute the Entry Where it Counts
The phone calls from 877-575-8182 are a sideshow. The real action is whether or not Receivable Management Services has placed an entry on your credit report and whether or not that entry can withstand a formal dispute. A strategic credit report dispute forces the company to actually produce documentation.
Remember what BBB reviewer Karen B. wrote: the company called both she and her husband repeatedly from different numbers looking for their adult daughter who hadn’t lived with them for 17 years. If Receivable Management Services can’t even manage to get the right phone number for the right person, how likely is it that their credit reporting data is flawless?
You don’t have to prove the debt is invalid; they have to prove it’s valid. That difference makes all the difference when you have a credit repair expert in your corner.
Make it Stop
Take the First Step Today
Unwanted calls from 877-575-8182 don’t have to be a fact of life. Receivable Management Services has a history of regulatory infractions, consumer complaints, and abusive calling practices that led to a $500,000 multi-state settlement. Their entire business model relies on consumers either answering their phones or doing nothing at all.
You have a third option. A credit report dispute, handled by a knowledgeable team, can challenge the accuracy of any entry Receivable Management Services has placed on your report. If they can’t verify the debt with proper documentation, the entry has to come down. No phone calls. No negotiations. No direct contact with the debt collector required.
Head over to FightCollections.com today to find out how our team can help you take charge of your credit report and end unwanted collection calls once and for all.
