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 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.
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/.
California – DFPI Debt Collection License # 10512-99
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.
Illinois RESIDENTS ONLY
Real Time Resolutions, Inc., 1349 Empire Central Dr., Suite 1300, Dallas, TX 75247, holds a Residential Mortgage License, License # MB.6760512, NMLS ID #9745 and is regulated by the following agency:
Illinois Department of Financial and Professional Regulation
Division of Banking
100 W. Randolph Street, 9th Floor
Chicago, IL 60601
1-844-768-1713
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.
NEBRASKA RESIDENTS ONLY
Nebraska Mortgage Banker License Number: 1952. Nebraska Collection Agency License Number: 283.
NEW YORK State RESIDENTS ONLY
For mortgage accounts, New York customers may call Real Time Resolutions, Inc. at (866) 674-4942 for information regarding forbearance options under NY CLS Bank § 9-x.
Real Time Resolutions, Inc. (“RTR”) is registered with the Superintendent of the New York State Department of Financial Services, Mortgage Servicer Registration #9745. You may file a complaint and obtain further information about RTR by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at www.dfs.ny.gov.
Legal Notice | Real Time Resolutions
We are required by regulation of the New York State Department of Financial Services to notify you of the following information. This information is NOT legal advice:
Your creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect all or a portion of this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., to sue to collect on a debt for which the statute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired.
Even if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the time period in which the debt is enforceable in court may start again.
If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.
NEW YORK CITY RESIDENTS ONLY
New York City Department of Consumer and Worker Protection License Number: 1077970.
In many cases, RTR can provide Spanish-language versions of its letters. To request Spanish-language letters in the future, please contact us. While RTR does not provide language access services, RTR does employ Spanish-speaking representatives. A translation and description of commonly-used debt collection terms is available in multiple languages on the New York City Department of Consumer and Worker Protection’s website at www.nyc.gov/dca.
| FEE/CHARGE | ACCOUNT TYPE | MINIMUM AMOUNT | MAXIMUM AMOUNT |
|---|---|---|---|
| Returned Check/Insufficient Funds | All | $0 | $20 |
| Late Payment | Conventional Mortgage | $0 | 2% of principal and interest payment |
| Late Payment | FHA and VA Loans | $0 | 4% of principal and interest payment |
| Property Inspection | Secured | $0 | $700 |
| Broker Price Opinion (BPO) | Secured | $0 | $175 |
| Property Preservation | Secured | $0 | Generally $150 per visit, but may reach $200 for winterization |
| Foreclosure/Attorney Fees | Secured | $0 | $2,900 |
| Bankruptcy/Attorney Fees | All | $0 | $10,000 |
| Litigation/Attorney Fees | All | $0 | $500 hourly (dependent on experience) |
| Quick Pay | All | $0 | $3.35 |
| Appraisal Fee | Secured | $0 | $425 |
| Title Search | All | $0 | $450 |
| Foreclosure Fees | Secured | $0 | $4,250 |
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.
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.
SOUTH CAROLINA RESIDENTS ONLY
For the South Carolina Department of Consumer Affairs information guide about your consumer loan, see DCA Consumer Loans.
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.dfi.wi.gov.
PHYSICAL ADDRESS
Real Time Resolutions, Inc.
1349 Empire Central, Dr.
Suite 1300
Dallas, TX 75247
(877) 469-7325
TO SUBMIT A COMPLAINT
Online: Submit a Complaint
Email: [email protected]
By Phone: (877) 252-3761
By Mail: Real Time Resolutions, Inc., P.O. Box 36655, Dallas, TX, 75235-1655
Consumer Education: https://rmaintl.org/consumers/
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.
The legal time limit (statute of limitations) for suing you to collect all or a portion of this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., to sue to collect on all or a portion of a debt for which the statute of limitations has expired.
Even if the statute of limitations has expired, you may choose to make payments on the debt. However, please be aware that if you make a payment on the debt, admit to owing the debt, promise to pay the debt, and/or waive the statute of limitations on the debt, the time period in which all or a portion of the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or a legal assistance or legal aid organization.
CHIEF COMPLIANCE OFFICER
Steven Crawford, CRCP
#P1704-1246
Real Time Resolutions, Inc.
1349 Empire Central, Dr.
Suite 1300
Dallas, TX 75247