How to Negotiate Debt With Reliant Capital Solutions

Do you cringe when your phone rings? You suspect Reliant Capital Solutions is calling again. You wonder if they can contact you multiple times daily.

According to the Fair Debt Collection Practices Act (FDCPA), they cannot. Debt collectors should not call you more than once per day for the same debt.

Reliant Capital Solutions is a legitimate debt collection company. However, they sometimes use aggressive tactics to collect money. These practices cause financial and psychological harm to consumers.

You have power in your situation. You can stop the annoying calls from RCS by sending a Debt Validation Letter. Debt collectors must stop contacting you after receiving this letter. They cannot resume until they verify the debt belongs to you.

What Is Reliant Capital Solutions?

Reliant Capital Solutions, LLC is a third-party debt collection agency. The company operates from Gahanna, Ohio. RCS collects debt for various industries. These include healthcare, retail, commercial, automotive, student loans, and government.

The company has been in business for 15 years. RCS has been Better Business Bureau (BBB) accredited since 2019. They currently hold an A+ rating.

RCS debt collectors assist companies in collecting money on delinquent accounts. They also buy old debts for pennies on the dollar. Years later, they follow up with consumers to collect payment.

Here is Reliant Capital Solutions’ contact information:

• Phone Number: (614) 452-6100 or (866) 837-5096
• Physical Address: 670 Cross Pointe Rd, Gahanna, OH 43230-6862
• Website: Reliant Capital Solutions

Read Reliant Capital Solutions Reviews Online

Despite winning a corporate excellence award, RCS faces many consumer complaints. The reviews paint a picture of poor service.

Reliant Capital Solutions reviews on Google average 1.4 out of 5 stars. Nearly 200 customers have shared their experiences.

As of 2024, the BBB logged over 50 complaints against them. The Consumer Financial Protection Bureau (CFPB) noted nearly 400 complaints since 2011. Common issues include falsely reporting debts, making rude calls, and not confirming debts.

Beating RCS is possible when you know your consumer rights. You have a good chance of getting a reasonable settlement offer. You can also receive a favorable judgment if they sue you.

Exercise Your Rights When Reliant Capital Solutions Calls

The Fair Debt Collection Practices Act (FDCPA) protects consumers from bad business practices. Debt collection agencies face penalties for violating these rights. They may have to pay damages to consumers or cancel the debt.

The FDCPA states that RCS cannot:

• Contact you by phone before 8 a.m. or after 9 p.m.
• Talk to your colleagues, family, or friends about your debt
• Threaten to call law enforcement officers on you
• Use abusive language or talk rudely
• Threaten to take your driving license and other documents
• Lie that they will sue you
• Pretend to be government officials or police officers

If RCS violates these guidelines, take action. Submit a complaint on the BBB profile and to the CFPB website. You can also report RCS to the Fair Trade Commission platform. Your state’s attorney general’s office is another resource.

How to Respond to a Reliant Capital Solutions Lawsuit

Debt collectors can sue you for a debt that hasn’t expired. You must take action once you receive the lawsuit. Inaction prevents you from defending yourself.

You should receive court documents known as the Summons and Complaint. The Summons officially notifies you of the lawsuit. The Complaint lists the specific claims Reliant Capital Solutions makes against you.

You must respond before your state’s deadline. Missing this deadline means you automatically lose by default judgment. A default judgment gives Reliant Capital Solutions the right to garnish your wages. They can even seize your property.

Our partner Solo can help you respond to RCS and avoid a default judgment. Follow these steps to beat Reliant Capital Solutions in court:

1. Answer each claim listed in the Complaint
2. Assert your affirmative defenses
3. File the Answer in court and send a copy to RCS

Answer Each Claim Listed in the Complaint

You must address each allegation RCS makes against you. The allegations appear in the Complaint document. Reply to each one with these responses:

• Admit: You agree with what RCS claims
• Deny: You want RCS to prove the claims
• Deny due to lack of knowledge: You cannot give a definite answer

Admitting to all claims works against you in court. Attorneys and debt counselors advise consumers to deny some claims. Denials give RCS the burden of proving their case.

Assert Your Affirmative Defenses

Affirmative defenses explain why you are not responsible for the debt. These explanations can exempt you from paying. Include these defenses in your Answer document:

• The debt has passed the statute of limitations
• RCS did not show they have the right to collect
• The debt was paid off or canceled
• The debt information is incorrect
• You were a victim of identity theft

If you need assistance, our partner Solo can help you create a customizable Answer document. Answer a few questions online, and the software converts your responses to legal format.

File the Answer in Court and Send a Copy to RCS

Each state has a timeline for filing an Answer. Mark the date you received the lawsuit. Calculate how many days you have to respond.

After completing the document, make three copies. Send one to the court and another to RCS lawyers. Keep the third copy for your records.

Here is an example of beating Reliant Capital Solutions in court:

Jason is being sued by RCS for an old credit card debt in Ohio. He uses debt response tools to draft his Answer document. Jason denies most claims and lists his affirmative defenses. After investigating, he learns the debt passed Ohio’s six-year statute of limitations. He lists this defense in the Answer and files the document. After a few weeks, Jason hears back from RCS. The case is dismissed.

Negotiate a Debt Settlement With Reliant Capital Solutions

You can avoid going to court even after being sued. A settlement negotiation tool can request the collection agency settle out of court. These tools help you from start to finish with the settlement process.

Most debt collectors like Reliant Capital Solutions will settle for less. However, you must make the payments you agreed to in writing. You can start the debt settlement conversation with professional help.

Settlement works because RCS bought your debt for pennies on the dollar. Any amount you pay above their purchase price is profit. They would rather settle quickly than spend time and money in court.

Remove Reliant Capital Solutions From Your Credit Report

RCS can report your debt to credit bureaus. Negative items damage your credit score. A lower score makes it harder to get loans or credit cards.

You have rights under the Fair Credit Reporting Act (FCRA). You can dispute inaccurate information on your credit report. Send a dispute letter to the credit bureau reporting the error.

If the debt is accurate but settled, ensure RCS updates your credit report. The report should show the debt as “settled” or “paid.” After seven years, the debt should automatically fall off your credit report.

Once you resolve your debt with RCS, focus on rebuilding your credit. Our partner Kikoff can help you build credit with affordable credit-building tools.

Take Action Against Reliant Capital Solutions Today

You have multiple options when dealing with Reliant Capital Solutions. You can send a Debt Validation Letter to stop collection calls. You can respond to a lawsuit with a properly drafted Answer. You can negotiate a settlement for less than you owe.

Each option protects your rights under federal law. Each option gives you control over your financial situation. Do not ignore RCS or hope they go away.

The worst thing you can do is nothing. Inaction leads to default judgments and wage garnishment. Take action today to protect yourself from aggressive debt collection tactics.