(877) 252-3761

Legal Notice

IMPORTANT NOTICE REQUIRED BY LAW

Real Time Resolutions, Inc. is a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. However, if you are currently in bankruptcy or have received a discharge in bankruptcy, this letter is not an attempt to collect a debt from you personally to the extent it is included in your bankruptcy or has been discharged and is provided for informational purposes only.

TEXT MESSAGE PROGRAM

If you are enrolled in text messaging services with RTR, see the full details of our Text Message Program here.

The following notices apply to persons residing in the following states. We are required under state law to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under federal and state law.

CALIFORNIA RESIDENTS ONLY

Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8:00 a.m. or after 9:00 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment.

For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or http://www.ftc.gov/.

COLORADO RESIDENTS ONLY

For information about the Colorado fair debt collection practices act, see https://coag.gov/car

In-State Office:
Colorado Manager, Inc.
Building B
80 Garden Center
Suite 3
Broomfield, CO 80020
Phone: (303) 920-4763

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

MASSACHUSETTS RESIDENTS ONLY

NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

Corporate Hours of Operation: Monday – Friday 8:30 a.m. – 5:30 p.m. Central.

MINNESOTA RESIDENTS ONLY

This collection agency is licensed by the Minnesota Department of Commerce.

MISSISSIPPI RESIDENTS ONLY

This collection agency is licensed by the Mississippi Department of Banking and Consumer Finance.

NORTH CAROLINA RESIDENTS ONLY

North Carolina Department of Insurance Permit Number: 3545.

North Carolina Commissioner of Banks, license number S-146288.  You may file a complaint by contacting the NCCOB at 316 W. Edenton St., Raleigh, NC 27603, (919)733-3016, or by visiting http://www.nccob.org.

NEW YORK CITY RESIDENTS ONLY

New York City Department of Consumer Affairs License Number: 1077970.

FEE/CHARGEACCOUNT TYPEMINIMUM AMOUNTMAXIMUM AMOUNT
Returned Check/Insufficient FundsAll$0$20
Late PaymentConventional Mortgage$02% of principal and interest payment
Late PaymentFHA and VA Loans$04% of principal and interest payment
Property InspectionSecured$0$700
Broker Price Opinion (BPO)Secured$0$175
Property PreservationSecured$0Generally $150 per visit, but may reach $200 for winterization
Foreclosure/Attorney FeesSecured$0$2,900
Bankruptcy/Attorney FeesAll$0$10,000
Litigation/Attorney FeesAll$0$500 hourly (dependent on experience)
Quick PayAll$0$3.35
Appraisal FeeSecured$0$425
Title SearchAll$0$450
Foreclosure FeesSecured$0$4,250

oregon RESIDENTS ONLY

Residential mortgage loan servicers are regulated by the Oregon Division of Financial Regulation. To file a complaint, call (888) 877-4894 or visit http://dfr.oregon.gov.

Tennessee rESIDENTS ONLY

Tennessee Collection Service Board of the Department of Commerce and Insurance License Number: 439.

TExas RESIDENTS ONLY

COMPLAINTS REGARDING THE SERVICING OR YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, Texas Department of Savings and Mortgage Lending, 2601 N. Lamar, Suite 201, Austin, TX 78705.
A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

WISCONSIN RESIDENTS ONLY

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.

ALL U.S. RESIDENTS

If you would like mortgage counseling or assistance, you can find a list of counselors in your area by calling the U.S. Department of Housing and Urban Development at 1-800-569-4287 or visiting their website at www.hud.gov.

CHIEF COMPLIANCE OFFICER

Steven Crawford, CRCP
#P1704-1246
Real Time Resolutions, Inc.
1349 Empire Central, Dr.
Suite 150
Dallas, TX 75247

PHYSICAL ADDRESS

Real Time Resolutions, Inc.
1349 Empire Central, Dr.
Suite 150
Dallas, TX 75247
(877) 469-7325

NMLS ID: 9745

TO SUBMIT A COMPLAINT:

OnlineSubmit a Complaint
Email[email protected]
By Phone: 972-528-4227
By Mail:   Real Time Resolutions, Inc.,  P.O. Box 36655, Dallas, TX, 75235-1655

Consumer Education:  https://rmaintl.org/consumers/

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