If you’ve spotted Rausch Sturm on your credit report, it likely means you have a debt that’s been sent to collections. While that might feel stressful, there are steps you can take to resolve the issue—and potentially remove the account from your report altogether.
Who Is Rausch Sturm?
Rausch Sturm, LLP—also known as Rausch, Sturm, Israel, Enerson & Hornik, LLP—is a debt collection law firm based in Brookfield, Wisconsin. If they’re contacting you or listed on your credit report, it’s because they’re trying to collect on an outstanding debt.
What Types of Debts Does Rausch Sturm Collect?
Rausch Sturm collects debts on behalf of companies in several industries, including:
- Banks and credit unions
- Credit card companies
- Auto loan providers
- Student loan servicers
- Telecommunications and utility companies
- Debt buyers
- Commercial lenders
They handle both personal and business-related debt.
Is Rausch Sturm a Legitimate Company?
Yes, Rausch Sturm is a real law firm that specializes in debt collection. That said, like many debt collectors, they may use persistent communication methods such as frequent phone calls or emails. If you’re being contacted, you have rights—and options.
How to Remove Rausch Sturm From Your Credit Report
Collection accounts can damage your credit score and remain on your report for up to seven years. If you want to get Rausch Sturm off your credit report, here are your main options:
1. Dispute Any Errors
Start by requesting a copy of your credit report from all three major credit bureaus—Equifax, Experian, and TransUnion. If anything about the Rausch Sturm account is inaccurate (like the balance, dates, or even the debt itself), you can file a dispute. The credit bureau must investigate and respond within 30 days.
2. Send a Debt Validation Letter
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request proof that the debt is yours and that the amount is accurate. If Rausch Sturm can’t validate the debt, they’re not allowed to continue collecting or report it on your credit.
3. Negotiate a Pay-for-Delete Agreement
If the debt is legitimate and still within the statute of limitations, you could try negotiating a pay-for-delete. That means offering to pay (or settle) the debt in exchange for Rausch Sturm removing the account from your credit report. Get the agreement in writing before sending any money.
4. Work With a Credit Repair Company
If you’d rather not deal with the back-and-forth yourself, a reputable credit repair service can take the lead. These companies help challenge and remove inaccurate or unverifiable accounts—including those from firms like Rausch Sturm.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Rausch Sturm?
Before making a payment, confirm that the debt is valid, belongs to you, and is still legally enforceable. Making a payment—especially on older debt—can restart the statute of limitations in some states, which could make you more vulnerable to a lawsuit.
It’s often smarter to validate the debt first, then decide how to proceed. If you’re unsure, consider speaking with a credit repair professional or consumer attorney.
Can Rausch Sturm Sue or Garnish Wages?
Yes, as a law firm, Rausch Sturm can file a lawsuit against you. If they win, they could obtain a court judgment that allows them to garnish your wages or freeze your bank account—depending on your state’s laws.
However, legal action is costly and time-consuming, so many firms prefer to settle before going to court. If you receive a court summons, don’t ignore it. Responding on time can protect your rights and help you avoid a default judgment.
What Are Your Rights Under Federal Law?
You’re protected by both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws give you the right to:
- Request debt validation: You can ask Rausch Sturm to prove the debt is yours and accurate.
- Dispute incorrect reporting: If they list false information on your credit report, you can demand its removal.
- Be treated fairly: Harassment, threats, and misleading statements are illegal.
- Receive proper notice: They must inform you that they’re a debt collector and state their purpose clearly.
- File a complaint: If your rights are violated, report them to the CFPB or your state attorney general’s office.
Common Complaints About Rausch Sturm
Consumers have filed complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) against Rausch Sturm for:
- Attempting to collect debts they can’t verify
- Reporting inaccurate account details
- Harassing communication tactics
If you’re experiencing similar issues, it’s worth documenting everything and filing a formal complaint.
Rausch Sturm Contact Information
If you need to contact them, here’s how:
Rausch Sturm, LLP
250 N. Sunnyslope Road, Suite 300
Brookfield, WI 53005
Phone: (866) 456-3744
Final Thoughts
Having a collection account on your credit report is frustrating—but it’s something you can address. Whether you dispute the entry, negotiate a resolution, or work with a credit repair professional, taking action is what matters most. The sooner you start, the sooner you can work toward a better credit score.
If you’d prefer expert help, Credit Saint can handle the process for you. They’ve helped thousands of people and offer a 90-day money-back guarantee if you’re not satisfied with the results.
Visit Credit Saint’s website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
