Remex Inc or Revenue Management Excellence is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Remex Inc?
Remex Inc or Revenue Management Excellence is a third-party collection agency based in New Jersey. Remex has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including illegal communication tactics and attempting to collect debts not owed. If you have been contacted by Remex, understand your rights before taking action.
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Is Remex a scam?
They’re legit. According to the Better Business Bureau (BBB), Remex is a legitimate collection agency founded and incorporated in New Jersey in 1983. The BBB opened its file in 1997. They are listed as a collection agency that uses the alternate business names, Universal Service Company and Profinancial. Buzzfile estimates their annual revenue at $2.0 million and the size of its staff at 17 people.
According to its website, Remex “is a full service accounts receivable management company with a primary goal of professionally assisting our clients by offering a range of flexible services for enhancing the revenue cycle.” Their stated mission “is to serve and protect our clients…to foster outstanding relations through compassionate collections…and to be the most user-friendly agency you have ever experienced.”
Who does Remex collect for?
Remex does not specify the industries for which it offers collection services. Their Affiliations page indicates membership in the American Association of Healthcare Administrative Management, the Medical Group Management Association, and the Healthcare Financial Management Association. Their policy is very generalized and states only that “prior to the first placement of accounts, we explore each client’s ‘wish list’ in terms of what, in a perfect world, they would like from their agency that they are not currently receiving…[then] set about the task of organizing Remex Quality Assurance around each client’s current and future needs.”
Similarly, they offer a generalized description of their collection services. “Remex offers a wide variety of effective state-of-the-art accounts receivable management tools, including: Extended Business Office functions, Early-Out programs, and Consulting/Training, in addition to traditional first and second placement collection services.”
Their Compliance page offers a fairly comprehensive list of regulatory laws, including the Fair Debt Collection Practices Act (FDCPA); the Fair Credit Reporting Act (FCRA); the Consumer Credit Protection Act; the Privacy Act of 1974; the Telephone Consumer Protection Act (TCPA); and Health Insurance Portability and Accountability Act (HIPAA). Although these laws were implemented to protect consumers from overly aggressive collection practices, Remex has a clearly stated policy that, “We protect our clients. Period.” There are no references or links to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Remex Inc?
The BBB has closed 10 complaints against Remex in the past three years, with 3 closed in the past 12 months. All of the complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 16 complaints about Remex. Justia does not list any cases of civil litigation involving Remex.
Revenue Management Excellence, Inc. (Remex) 307 Wall Street Princeton, NJ 08540-1515 Telephone: (800) 562.5158 Website: http://www.remexinc.com/
Can Remex Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Remex would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2018, a consumer filed a proposed class action lawsuit over an allegedly deceptive debt collection letter that was sent to him by Remex, Inc. The case argued that the letter aimed to “coerce” the plaintiff into making immediate payment to avoid negative credit reporting and misleads him regarding his right to dispute the debt.
Complaints against Remex commonly cite disputes about the accuracy of the documentation of alleged debts or information reported to the credit reporting agencies (CRAs). For example, in March 2017, a complainant indicated he had received a collection notice from Remex. The complainant disputed the validity of the debt and cited a statute of limitations that limits collection activity to six years. The complainant cited provisions of regulatory laws that prohibit unfair practices such as charging interest not allowed by law, making false statements, or misrepresenting the amount owed. In response, Remex acknowledged that that “the consumer is disputing the validity of an account that was placed with Remex by its client,” but also asserted that “the complaint does not allege any wrongdoing on the part of Remex.” Remex “closed the referenced account and returned it to its client,” assuring the complainant he would not receive any further contact attempts.
In January 2017, a complainant indicated that Remex had contacted him regarding an outstanding medical bill resulting from his daughter’s visit to a healthcare provider. The complainant indicated he had previously disputed and then paid the bill, but that now he was receiving letters from Universal Service Company (USC). When he called Remex, the representative indicated Remex did not do business with the healthcare provider or Universal Service Company. The complainant indicated he kept “getting pushed back and forth between these companies,” and complained that “it should be illegal to misrepresent a company.” In response, Remex indicated that “the consumer has not raised a complaint with respect to any conduct or actions of Remex, Inc.” or of USC; and that both companies “are constrained by applicable rules and regulations in…response to this complaint, due to the fact that this matter appears to relate [to] an account the consumer alleges his daughter has (or had) with a medical provider.” The only resolution Remex attempted was a statement that “if what the consumer contends in his complaint is true – there is no basis for any further contact from USC in regards to this matter, and therefore he can be assured that there will be no further contact.”
Remex Inc Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue Remex for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
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Can You Help Me Delete Remex Inc from My Credit Report?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.