Debt collector named RMS. These are vulture collectors attempting to sucker people into paying out-of-date bills. They NEVER pay the original creditor. Their Better Business Bureau (BBB) record reflects poor business practices. Any payment to them is a waste of money-payments are NOT reflected on your credit record. Better approach is to demand they document the debt. Since they will not be able to do this, you will then be able to challenge any negative listing with the credit reporting bureaus who are required to delete unsubstantiated line items.