Key Takeaways
- Superlative RM is a trade name. The company’s legal name is Terrill Outsourcing Group, LLC. New York City licensing records list them as “Terrill Outsourcing Group, LLC” doing business as “Superlative RM.” That legal name is what belongs on a dispute letter, a complaint or a lawsuit caption.
- Searching for them under the wrong name hides their record. The federal complaint database returns nothing for “Superlative RM.” Search “Terrill Outsourcing Group” and you find 106 complaints since January 2021.
- They are a real, licensed collection agency, including in Illinois. Being licensed does not mean they are allowed to break the law.
- Their Scottsdale, Arizona address is a private mailbox. Their staffed office is at 9370 Studio Ct., Suite 110, Elk Grove, California, which is what their Better Business Bureau profile and their New York City license both show.
- Complaints about how they contact people run 8.4 times the industry rate. Communication tactics account for 34.9% of complaints against them, against 4.2% of all debt collection complaints nationally.
- You can make the calls and texts stop in writing, and you may be owed money. The FDCPA allows up to $1,000 in statutory damages plus your actual damages, and the collector pays your attorney’s fees and costs.
Superlative RM is a legitimate, licensed third-party debt collection agency, and the legal name behind that brand is Terrill Outsourcing Group, LLC. If they are calling or texting you, someone has placed a past-due account with them for collection, and you have enforceable rights under federal law whether or not you actually owe the money.
This page explains who they really are, what their public complaint record shows, and the exact steps that make unwanted contact stop. Agruss Law Firm has settled thousands of debt collection harassment cases, and we do not charge consumers to do it.
Who is Superlative RM?
Superlative RM is the consumer-facing brand of Terrill Outsourcing Group, LLC, a debt collection agency founded in 2013 by a United States Marine Corps veteran. They describe themselves on their own website as “a veteran-owned, RMAI-certified debt collection agency,” and they hold the Receivables Management Association International Certified Receivables Business credential.
The connection between the two names is not something you have to take on faith. The New York City Department of Consumer and Worker Protection publishes every licensed debt collection agency in the city. Their record for license 2099096-DCA lists the business name as Terrill Outsourcing Group, LLC and the trade name as Superlative RM. The Better Business Bureau profile for Superlative RM lists the same alternate name.
That single fact matters more than anything else on this page, because almost every public record about this company is filed under the name most consumers never see.
Why the legal name changes what you can find
The Consumer Financial Protection Bureau runs a public, searchable database of consumer complaints against financial companies. Search that database for “Superlative RM” and you get zero results, which makes the company look like they have never generated a single federal complaint.
Search instead for “Terrill Outsourcing Group” and 106 complaints appear, filed between January 2021 and August 2026. Every one of them was closed with an explanation. None closed with monetary relief to the consumer.
This is not unique to Superlative RM. Collection agencies routinely operate under trade names while licensing, litigation and regulatory filings sit under a different corporate entity. It is one of the most common reasons people conclude a collector is “clean” when the record says otherwise, and it is a good reason to find out exactly who is calling you before you agree to anything.
Where is Superlative RM actually located?
Google’s business panel describes Superlative RM as a “call center in Scottsdale, Arizona” at 4343 N. Scottsdale Rd., Suite 150. Their own contact page gives the same street address but adds three characters Google leaves out: PMB 104. PMB stands for private mailbox. That address is a mail drop inside a suite, not a floor of collectors.
Their actual staffed office is in northern California. Both the Better Business Bureau and their second active New York City license put them at 9370 Studio Ct., Suite 110, Elk Grove, California, and the phone number on both records is a 916 area code, which is Sacramento. Their published business hours are Pacific time even though the Arizona address they lead with does not observe Pacific time.
| Office | Address | What it is | Source |
|---|---|---|---|
| Scottsdale, AZ | 4343 N. Scottsdale Rd., Suite 150, PMB 104, Scottsdale, AZ 85251 | Mailing address, private mailbox. Use for mailed disputes and payments. | Company contact page |
| Elk Grove, CA | 9370 Studio Ct., Suite 110, Elk Grove, CA 95758 | Staffed office. Phone (916) 478-6700. | BBB profile; NYC license 2004092-DCA |
| Montrose, CO | 27 North Willerup, Suite B, Montrose, CO 81401 | Colorado office required by state disclosure law. Phone (970) 249-7514. | Company state disclosures page |
Addresses verified 11 August 2026 against the company’s own website, their BBB profile and New York City Department of Consumer and Worker Protection licensing records.
Older articles about this company, including an earlier version of this page, listed 9355 East Stockton Blvd. in Elk Grove. That address is out of date. If you are mailing a dispute or a request to stop contact, send it to the current addresses above and send it certified mail with a return receipt so you can prove the date they received it.
Is Superlative RM legit, or a scam?
They are legitimate. Superlative RM publishes an active state license list covering roughly thirty jurisdictions, and the numbers check out against public licensing records. For readers in our home state, they hold Illinois state license 017.0211851 and City of Chicago license 2836078, which means they are authorized to collect from Illinois consumers.
The Better Business Bureau gives them an A rating while noting they are not BBB accredited and that 25 complaints have been filed against them in the BBB’s three-year reporting window.
“Legitimate” is worth being precise about, though. A licensed collector is one who has registered and bonded with the states where they operate. It is not a finding that they follow the Fair Debt Collection Practices Act, and it does not mean the debt they are chasing is yours, is the right amount, or is still legally collectible.
The ratings tell two different stories
If you search their name, Google surfaces a 4.7 out of 5 rating. That score comes from Receivables Info, a business directory serving the receivables industry, where the audience is creditors shopping for a collection vendor. The ratings from people who were actually contacted by them look very different.
| Source | Rating | Reviews | Who leaves them |
|---|---|---|---|
| Receivables Info directory | 4.7 / 5 | 131 | Industry and creditor audience |
| Google business reviews | 2.7 / 5 | 152 | General public |
| Better Business Bureau reviews | 1.6 / 5 | 5 | Consumers |
| BBB letter rating | A (not accredited) | 25 complaints on file | BBB’s own formula |
Ratings retrieved 11 August 2026 from Google search results and the company’s BBB profile.
What the federal complaint record shows
The 106 complaints filed against Terrill Outsourcing Group since 2021 have an unusual shape. Nationally, debt collection complaints are dominated by people saying they do not owe the debt. Against this company, the top category by a wide margin is communication tactics, which is the CFPB’s label for how and how often a collector reaches out.
Share of CFPB complaints by issue, January 2021 through August 2026. Company filter “Terrill Outsourcing Group” (n = 106) against all debt collection complaints (n = 837,470). Source: CFPB Consumer Complaint Database, retrieved 11 August 2026.
Communication tactics account for 34.9% of complaints against them and 4.2% of debt collection complaints industry-wide. That is 8.4 times the baseline. Complaints that someone else was told about the debt also run above the national rate, at 4.7% against 1.1%.
Consumer reviews on their BBB profile describe the same pattern in plain language. One reviewer wrote that the company “calls multiple times from multiple numbers, no messages left,” and that she had received no written correspondence before the calls started. Another described being called repeatedly and then, when she answered and explained she could begin a payment plan the following month, being told that one month was too long.
Complaints by year received. The 2026 bar covers 1 January through 11 August 2026 and is a partial year. Source: CFPB Consumer Complaint Database, retrieved 11 August 2026.
Complaint volume peaked at 31 in 2023, fell to 14 in 2024, returned to 23 in 2025, and has been close to zero through the first seven months of 2026. Ten of the 106 complaints came from consumers who identified themselves as servicemembers and five from older Americans.
Why is Superlative RM calling you?
They collect on accounts placed with them by other companies. Their materials describe work across healthcare, higher education, government, financial services, automotive, telecommunications, utilities and insurance, so the underlying account is most often a medical bill, a tuition balance, a phone or utility account, an auto loan deficiency or a charged-off credit card.
Because they are a third-party collector rather than the company you originally did business with, the FDCPA applies to them in full. That distinction matters: the same conduct that is merely annoying from an original creditor can be a federal violation when a third-party collector does it.
Two situations come up often enough to name. The first is that the debt was already resolved. One BBB reviewer said the balance Superlative RM was pursuing had already been discharged by the original creditor. The second is that the debt is not yours at all, whether through a mix-up of similar names or through identity theft. Twenty-eight of the 106 federal complaints against them fall into the “attempts to collect debt not owed” category.
Text messages, robocalls and the TCPA
Superlative RM contacts consumers by text. They publish their own guidance page on what to do if you receive a text from them, and one BBB reviewer wrote that she “did not give permission to be texted.”
Consent is the whole question. The Telephone Consumer Protection Act, 47 U.S.C. § 227, restricts autodialed calls and texts to cell phones without prior express consent. Damages are $500 per call or text, rising to $1,500 per call or text if the violation was willful or knowing. Those figures are per message, which means a pattern of unwanted texts adds up quickly.
If you are getting unwanted text messages or automated calls about a debt, save every one of them. Screenshots with the timestamp and the sending number visible are the evidence a TCPA claim is built on. Do not delete the thread.
What the law requires of them
The FDCPA, 15 U.S.C. § 1692 and following, and the CFPB’s Regulation F, 12 C.F.R. § 1006, set specific and enforceable limits.
| They may not | They must |
|---|---|
| Call you before 8:00 a.m. or after 9:00 p.m. in your local time | Identify themselves as a debt collector in every communication |
| Call repeatedly with intent to annoy, abuse or harass you | Send you validation information about the debt in or within five days of the first contact |
| Place more than seven calls in seven consecutive days about the same debt, which Regulation F presumes is a violation | Stop collection and verify the debt if you dispute it in writing within 30 days |
| Discuss your debt with your family, neighbors or coworkers | Honor a written request that they stop contacting you |
| Call you at work once they know your employer prohibits it | Report the debt as disputed if you have disputed it |
| Threaten arrest, or any legal action they cannot or do not intend to take | Stop contacting you directly once they know you are represented by a lawyer |
Sources: 15 U.S.C. § 1692c, § 1692d, § 1692e, § 1692g, and 12 C.F.R. § 1006.14(b).
The seven-in-seven rule is worth reading twice. Under 12 C.F.R. § 1006.14(b)(2)(i), a collector who places more than seven calls within seven consecutive days about a particular debt is presumed to have violated the law. Given that communication tactics are the leading complaint category against this company, a call log is often the most valuable thing a client brings to a first consultation.
What to do if Superlative RM contacts you
- Write down every contact. Date, time, the number that called, whether anyone spoke, and what was said. Keep every voicemail, letter and text.
- Do not admit the debt is yours and do not make a payment yet. A partial payment can restart the statute of limitations clock in some states and turn a debt that was too old to sue on into one that is not.
- Dispute it in writing within 30 days of their first contact. Send the letter to Terrill Outsourcing Group, LLC at their Scottsdale mailing address by certified mail with return receipt. Once they receive a timely written dispute, they must stop collecting until they mail you verification.
- Send a written request to stop contact if you want the calls to end. Under 15 U.S.C. § 1692c(c), a written notice requires them to stop contacting you except to say they are ending collection or to tell you about a specific legal remedy. Do this in writing. A verbal request is far harder to prove.
- Pull your credit reports. If the account is on there and the information is wrong, you can dispute it with the credit bureaus. Get your free credit report and check it against what they are claiming, because reporting errors are extremely common.
- File a complaint with the CFPB under the name Terrill Outsourcing Group. Filing under “Superlative RM” may not route to the right company record.
- Call a consumer protection lawyer. If they violated the FDCPA, the FCRA or the TCPA, you may be entitled to money, and pursuing it should not cost you anything.
Credit reporting problems
If Superlative RM reported this account to the credit bureaus, the Fair Credit Reporting Act, 15 U.S.C. § 1681 and following, governs what they may say and for how long. A negative account generally comes off your report seven years from the date of the first delinquency on the original account. Selling or transferring a debt to a new collector does not restart that clock, and re-aging an old debt to make it look newer is a violation.
When you dispute an account with a credit bureau, the furnisher has to conduct a reasonable investigation and correct or delete information that is inaccurate. If they verify something that is plainly wrong, an FCRA lawyer can hold both the furnisher and the bureau accountable. Six of the 106 federal complaints against Terrill Outsourcing Group concerned incorrect information on a credit report.
Check whether you signed an arbitration clause
The original agreement behind the debt, particularly a credit card or a lease-to-own contract, may contain an arbitration clause. That clause can cut both ways, and in many cases it works in the consumer’s favor because the company pays the arbitration fees. Before assuming court is the only route, it is worth checking whether arbitration is available to you.
What it costs to fight back
Nothing, in most cases. The FDCPA, the FCRA and the TCPA are all fee-shifting statutes, which means a collector who violates the law pays your attorney’s fees and costs on top of your damages. Under 15 U.S.C. § 1692k you can recover up to $1,000 in statutory damages plus any actual damages you suffered, and the TCPA adds $500 to $1,500 for each unlawful call or text.
Agruss Law Firm offers a free consultation, and there is no fee unless you win. We have settled thousands of debt collection harassment cases and we are happy to look at your call log and tell you honestly whether you have a claim. If you would rather start by understanding your options, our guides on stopping debt collection harassment and getting help with debt are a good place to begin.
Being harassed by Superlative RM? Call America’s Consumer Lawyer at 888-572-0176 or contact us online for a free case review.
Frequently Asked Questions
Why is Superlative RM calling me?
Because a creditor placed a past-due account with them for collection. Superlative RM is a third-party debt collection agency, so they are calling on behalf of a company you originally owed rather than for themselves. The account could be a medical bill, a tuition balance, a phone or utility account, an auto loan or a charged-off credit card. They are also required to tell you who the original creditor is if you ask, and to send you validation information about the debt within five days of first contacting you.
Is Superlative RM legit?
Yes. Superlative RM is the trade name of Terrill Outsourcing Group, LLC, a debt collection agency founded in 2013 and licensed in roughly thirty jurisdictions, including Illinois state license 017.0211851 and City of Chicago license 2836078. The Better Business Bureau gives them an A rating, though they are not BBB accredited. Being legitimate is not the same as being compliant: consumers filed 106 complaints against them with the Consumer Financial Protection Bureau between January 2021 and August 2026, and 34.9% of those complaints concerned their communication tactics.
What does Superlative RM mean?
The RM stands for receivables management, which is the industry term for collecting past-due accounts. Superlative RM is a brand name, not the company’s legal identity. New York City licensing records list the business as Terrill Outsourcing Group, LLC doing business as Superlative RM, and their Better Business Bureau profile lists Terrill Outsourcing Group LLC as an alternate name. Use the legal name when you file a complaint, send a dispute letter or search public records, because searches under “Superlative RM” will miss most of what is on file.
Who does Superlative RM collect for?
They do not publish a client list, which is normal for the industry. Their own materials describe work across healthcare, higher education, government, financial services, automotive, telecommunications, utilities and insurance. The most reliable way to find out who is behind your specific account is to ask them directly. Under 15 U.S.C. § 1692g, they must identify the original creditor, and if you request that information in writing within 30 days of their first contact they must provide it and stop collecting until they do.
What is Superlative RM’s phone number?
Their published toll-free number is 888-441-4544, staffed Monday through Friday from 8:00 a.m. to 5:00 p.m. Pacific time. Their Elk Grove, California office number, which appears on their Better Business Bureau profile and their New York City license, is 916-478-6700. Their Colorado office number is 970-249-7514. Be aware that consumers have reported being called from numbers other than these, so an unfamiliar number does not by itself mean the call is not from them. Ask any caller to identify their company and to send you written validation of the debt.
Should I ignore a debt collection agency?
No. Ignoring a collector does not make the debt go away and it removes your best protections. If you say nothing, you give up the 30-day written dispute window that forces them to stop and verify the debt, and if they later sue you and you do not respond, a court can enter a default judgment that leads to wage garnishment or a bank levy. Responding does not mean admitting the debt is yours. Dispute it in writing, ask for validation, and send a written request that they stop calling if you want the contact to end.
Can I go to jail if a debt collector sues me?
No. You cannot be arrested or jailed for owing a consumer debt. Debt collection lawsuits are civil, and the remedy is money, not imprisonment. A collector who threatens you with arrest or jail over a debt is violating 15 U.S.C. § 1692e, which prohibits threatening any action that cannot legally be taken. The narrow exception has nothing to do with the debt itself: if you are sued, ordered to appear in court and then ignore that court order, a judge can issue a warrant for contempt. Responding to the lawsuit avoids that entirely.
How do I stop Superlative RM from calling and texting me?
Send them a written request to stop contacting you. Under 15 U.S.C. § 1692c(c), once a collector receives written notice that you want contact to cease, they must stop except to confirm they are ending collection efforts or to tell you they intend to pursue a specific legal remedy. Mail it certified with a return receipt to Terrill Outsourcing Group, LLC at 4343 N. Scottsdale Rd., Suite 150, PMB 104, Scottsdale, AZ 85251, and keep the receipt. Save every call, voicemail and text before and after you send it, because contact that continues after they receive your letter is strong evidence of a violation and may entitle you to damages.
This article is general legal information, not legal advice, and reading it does not create an attorney-client relationship. Company facts, ratings and complaint data were verified on 11 August 2026 against the company’s own website, their Better Business Bureau profile, New York City Department of Consumer and Worker Protection licensing records and the CFPB Consumer Complaint Database. Past results do not guarantee or predict a similar outcome in any future case.
