Real Time Resolutions on Your Credit Report? Fight Back and Win

Last Updated:
June 21, 2023

Debt collectors can be relentless, but when you're in debt and facing potential lawsuits, there are ways to fight back. In this blog post, we'll take a look at what Real Time Resolutions is, the consequences of not paying them off, and provide tips on beating them should your case proceed to court.

With the right tools in hand, you can gain control of your finances and move forward with confidence. We understand that debt can have an immensely negative impact both mentally and emotionally, as well as financially, but with the right information, you can start making progress towards becoming debt free.

What Does Real Time Solutions Do?

Debt collectors, like Real Time Resolutions, provide a service to lenders and original creditors by attempting to recover delinquent debts. A collector typically starts by contacting the debtor via phone or mail and trying to negotiate payment or an arrangement for repayment. 

If the debtor does not comply or refuses to negotiate, the debt collector is then able to execute a range of legal enforcement options, including filing suit and court ordering wage garnishments. As long as all applicable laws are followed, debt collection is an effective way for creditors to recoup from losses yielded by past-due accounts.

Is Real Time Solutions a Legitimate Company?

Yes, Real Time Resolutions is a legitimate company. Though their tactics can make them seem like a scam, it’s important to respond to the company’s requests for payment - ignoring them will not make them go away.

Contact Information:

  • Phone Number: (877) 469-7325
  • Address: 1349 Empire Central Dr STE 150 Dallas, TX 75247-4029
  • Website:
  • BBB Rating: 1.8/5

The company's Better Business Bureau profile currently scores a 1.8 star rating, and shows dozens of complaints - from disruptive conduct and unprofessional behavior on the part of their agents, to failure to abide by laws concerning verification of debt legitimacy.

Although they’re legally allowed to collect on debts, customers should exercise caution when engaging with this agency and document any inappropriate behavior when it occurs.

Why Am I Getting Phone Calls from Real Time Solutions? 

If you have been contacted by Real Time Resolutions about a debt you don't recognize, you should make sure to look into the matter further. 

Issues like changing your address or not receiving a bill can lead to debts going unpaid and unnoticed, so it's important to take these possibilities into account - but it is also possible that the debt may not even belong to you in the first place or that the amount you have been asked for may be incorrect. 

You should make sure you have all relevant information pertaining to the situation before making any commitments or payment plans. In some cases, discrepancies in payments or inaccurate demands for payment could suggest that the debt may be illegitimate. Here are a few reasons that could happen:

  • Paid debts that appear on your credit history

These debts can be removed from your credit report if you provide proof of payment and submit a dispute to the relevant credit bureau.

  • Unauthorized accounts opened in your name

Identity theft is a serious crime. 

  • Falsely reported late or unpaid debts

When paying off debt, ensure that all records are up-to-date so that your payments are accurately reflected on your credit report. 

  • Debts discharged due to bankruptcy

Bankruptcy can have lasting effects on your credit score over time, so if you file for bankruptcy to discharge certain debts, you must still continue making payments on any other existing accounts in order to maintain good credit standing.

If you're being asked to pay for a debt that doesn't belong to you, you'll need to take proactive steps to protect your rights. You have the right to confirm that the collector has a legal claim for the money they are requesting.

The best way to do this is by working with Fair Credit. Our firm will help to identify errors in credit reporting and help to remove invalid debt from your credit report.

What Can I Do If I’m Being Harassed by Real Time Solutions?

The Fair Debt Collection Act was enacted in 1978 to protect consumers from unfair behavior by debt collection agencies like Real Time Solutions. This can include things like harassment or frequent phone calls, to more drastic offenses like threats or false or misleading representations about the debt being collected. 

Some prohibitions under federal law are outlined below:

  • Threatening to take any action that cannot legally be taken or is not intended to be taken
  • Falsely implying that a consumer has committed a crime or other conduct
  • Using obscene or profane language in communicating with the consumer
  • Contacting the consumer by telephone outside of the hours of 8:00 AM and 9:00 PM local time
  • Continuing communication with a consumer after being requested to cease such communication in writing
  • Attempting to collect additional fees and charges not authorized by law or the original agreement between the parties

Managing debt can be an extremely complicated and difficult process and it is important to ensure that your consumer rights are protected. Knowing what protections you are entitled to will allow you to take full advantage of them, thus helping you navigate the process more easily. 

Written documentation such as letters or telephone records may also come in handy should any violations arise from Real Time Solutions. If the issue persists, don't hesitate to contact a lawyer for assistance - they can provide legal guidance in order for you to exercise all available options.

Contact Us For Your Free Case Review

At Fair Credit, we know how overwhelming it can be to experience harassment from collections agencies. Our team of experienced legal experts deeply understands the struggles that come with defending your rights as a consumer and works hard to relieve you of the undue stress with which collections agencies often leave people feeling. 

To get started, don't hesitate to contact us today for a free case review.

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