What Not to Say When Talking to Real-Time Resolutions
Your process of handling debt collectors or debt collection calls is crucial and sensitive. Therefore, it is paramount to know the exact information to share with Real Time Resolutions (RTR). And most importantly, you need to beware of what not to say when talking to Real-Time Resolutions. We have identified the primary items that you should never reveal to any debt collector from our research.
What is Real-Time Resolutions?
Although most people tend to think that Real-Time Resolutions is a scam, the truth is that it is a real debt collection agency. The primary tasks of Real-Time Resolutions include serving original creditors and third-party debt owners. Additionally, Real-Time Resolutions also purchase debts from credit card firms and banks.
That’s not all. RTR services mortgages and acts as delinquent mortgages collection agents. So, when handling RTR debt collection calls, it is essential to check and confirm if they are reaching out for non-housing or mortgage debt.
You can always learn more about Real Time Resolutions to establish the ideal steps you should take if you owe Real Time Resolutions money. The primary steps include validating your debt and confirming if the Statute of Limitations is valid. It is very important to avoid taking responsibility for a debt until it is proven in writing to be yours and valid.
What to avoid when talking to RTR
As mentioned earlier, specific information needs to remain out of reach of any debt collectors, including Real-Time Resolutions until the debt is proven to be valid. So, here is everything you should not disclose when communicating with Real Time Resolutions.
- Avoid giving RTR your personal financial details
In some cases, Real-Time Resolutions agents might request you to give them information concerning your income so that you can qualify for a lower payment amount. In that case, you should highly desist from giving RTR agents this information and any other financial information like your Social Security number.
You should also keep your bank account numbers away from Real Time Resolutions unless making a payment. And even when making a payment, the recommendation is to use another method to avoid the collector from accessing your banking information.
Real-Time Resolutions should also not gain access to the value or amount of property you own. Here is the thing. Exposing such sensitive information might facilitate collection from you via wage garnishment, property lien, or bank levy. This scenario happens if the debt collector obtains a judgment against you. However, you can provide Real Time Resolutions with basic information regarding your financial troubles.
- Don’t tell RTR you will make a “Good Faith” payment.
Like any other debt collection agency, Real-Time Resolutions might request you to willingly make a minimum payment, which is often not under a settlement agreement. The debt collector might mention that making such payment means you are acting in “good faith.” When this happens, most individuals think that the amount will prevent RTR from suing them. But this is not true. The debt might be outside of the window for legal action. By making a payment, you could inadvertently renew the firm’s ability to take you to court. Agreeing to this small payment will only extend the statute of limitations.
- Don’t admit your debt is valid or make any promises.
You might be confident of the amount of money you owe Real Time Resolutions. But even in that case, you should avoid making any statements that show you are admitting to owing the debt collector a certain amount. You should also avoid using the promissory language of when you think you will begin paying off your debt. Acknowledging such an obligation and making promises might renew the statute of limitations.
- Avoid using harsh words and losing your temper.
Screaming, getting hostile, or using profanity doesn’t help. Recorded debt collection calls might be required in a court to settle a dispute, and you might lose if you were recorded using abusive language to the Real-Time Resolutions agents. Plus, losing your temper might lead you to accidentally reveal some sensitive information that you didn’t mean to disclose to the collector.
Final word
When you are unsure of what not to say when talking to Real-Time Resolutions, the recommendation is to consider consulting a lawyer. After hiring a lawyer, Real-Time Resolutions must communicate to your attorney alone and not you.
