Who is RS Clark and Associates?
RS Clark and Associates is a debt collection agency based in Dallas, Texas. As a debt collector, their primary role involves managing and recovering overdue debts for various businesses.
If you find RS Clark and Associates listed on your credit report, it typically indicates that there is an unpaid debt tied to your account.
Who does RS Clark and Associates collect for?
RS Clark and Associates is a specialized debt collection agency that works on behalf of a wide range of original creditors. These can include institutions from multiple sectors such as healthcare, financial services, utilities, and others that offer credit to their customers.
Is RS Clark and Associates legit or a scam?
RS Clark and Associates is a legitimate company. However, their debt collection tactics can involve frequent calls, texts, or emails, which some people might find intrusive or excessive.
How can I remove RS Clark and Associates from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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RS Clark and Associates Contact Information
RS Clark and Associates, Inc.
12990 Pandora, Suite 150
Dallas, TX 75238
Phone number: (877) 532-6133
Should I contact or pay RS Clark and Associates?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with RS Clark and Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like RS Clark and Associates on behalf of their clients.
Will RS Clark and Associates sue me or garnish my wages?
As a debt collection agency, RS Clark and Associates does have the legal ability to sue you for unpaid debts. If they file a lawsuit and the court rules in their favor, they may be able to garnish your wages or levy your bank account.
However, wage garnishment is generally considered a last resort after several attempts to collect the debt through other means have failed. Before RS Clark and Associates or any debt collection agency can garnish your wages, they must first file a lawsuit, win the case, and obtain a court order permitting wage garnishment.
The laws governing wage garnishment vary by state, so the specifics of what could happen in your situation depend on local laws and the nature of your debt. If you’re facing a potential lawsuit from a debt collector, it’s often a good idea to consult with an attorney to understand your rights and potential options.
RS Clark and Associates Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with RS Clark and Associates
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for RS Clark and Associates to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- RS Clark and Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- RS Clark and Associates must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- RS Clark and Associates cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove RS Clark and Associates From Your Credit Report Today!
Credit Saint can assist you in disputing RS Clark and Associates collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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