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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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RS Clark and Associates Contact Information
Address:
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?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
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
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with RS Clark and Associates
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- RS Clark and Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- RS Clark and Associates must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- RS Clark and Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove RS Clark and Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing RS Clark and Associates collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
