RS Clark and Associates Calling? Resolve Your Debt Now

RS Clark and Associates is calling because you likely have unpaid debt. They work as a collection agency on behalf of companies you owe.

You can resolve your situation. Taking action now prevents legal complications later.

Respond to RS Clark's Lawsuit in Minutes

Don't let RS Clark win by default. Draft and file your Answer before the deadline expires. Protect yourself from wage garnishment and bank freezes.

Answer the Lawsuit

We’ll show you how to verify your debt, protect your rights, and settle effectively. You’ll learn practical steps whether you’re receiving calls or facing a lawsuit.

What Is RS Clark and Associates?

RS Clark and Associates is a debt collection agency founded in 1998. The company operates from Dallas, Texas.

They collect unpaid debts for various businesses. Their slogan is “Turn bad debt into profit.”

The company has a C rating on the Better Business Bureau. They are not BBB accredited.

RS Clark doesn’t typically buy old debt. They collect on behalf of creditors and take a percentage. They charge no upfront fees to clients.

Contact Information

Physical Address:
RS Clark & Associates
12990 Pandora, Suite 150
Dallas, Texas 75238

Telephone: 877.532.6133

Website: https://www.rsclark.com/

Who Does RS Clark Collect For?

RS Clark and Associates collects unpaid debts for multiple companies. They work across different economic sectors.

The agency represents various creditors including financial institutions and service providers. They pursue debts ranging from credit cards to medical bills.

RS Clark and Associates Reviews

Consumer reviews for RS Clark are mixed. Some customers report positive experiences.

One borrower named Sherrita shared her experience:

“I received a call from Ms. House, a rep at RS Clark and Associates. She was very informative and helpful in setting up a payment at a time suitable for me. She was pleasant, and was genuinely interested in helping me resolve this issue to get it off my credit report. It is rare that I encounter a debt collector that makes me smile. Ms. House made me feel like I had accomplished something, instead of feeling judged.”

Reviews show RS Clark collectors are willing to work with consumers. Communication opens doors to resolution.

You can find more reviews on their Google profile and Better Business Bureau page.

If you prefer negotiating without phone calls, our partner Solo offers digital settlement tools. You can negotiate online and reach agreements on your terms.

Your Rights When RS Clark Contacts You

RS Clark must follow the Fair Debt Collection Practices Act (FDCPA). The law protects you from harassment and mistreatment.

The FDCPA was enacted in 1977. Violations can result in damages or debt forgiveness.

RS Clark Cannot:

Call you before 8 a.m. or after 9 p.m.
Discuss your debt with family, friends, or colleagues
Ignore your debt validation requests
Threaten to report you to law enforcement
Report incorrect debt information to credit bureaus
Fail to identify themselves when contacting you

If RS Clark violates your rights, you have options. File complaints with the Better Business Bureau and Consumer Financial Protection Bureau.

You can also report violations to the Federal Trade Commission. Your state attorney general’s office handles complaints too.

How to Respond to an RS Clark Lawsuit

Receiving a lawsuit feels overwhelming. You’re facing a company with substantial resources.

Good news: RS Clark doesn’t prefer court battles. You have a strong chance of a favorable outcome.

Follow these three steps to respond effectively:

Answer each claim in the Complaint
Assert your affirmative defenses
File the Answer in court and send a copy to RS Clark

We’ll break down each step below.

1. Answer Each Claim in the Complaint

The Complaint lists all allegations against you. You must respond to each claim.

Use one of these three responses:

Admit: You agree with the claim and don’t dispute it
Deny: You force RS Clark to prove their claim
Deny due to lack of knowledge: You lack information to admit or deny

Never admit to all claims. Deny claims to shift the burden of proof to RS Clark.

Many collectors withdraw lawsuits when they lack evidence. Others offer lower settlement amounts.

Example: Jennifer’s Case

Jennifer was sued by RS Clark for a debt she didn’t recognize. She used our partner Solo to draft and file an Answer.

Jennifer denied all claims in her Answer document. RS Clark couldn’t provide necessary documentation to prove their case.

The company dropped the lawsuit.

2. Assert Your Affirmative Defenses

Affirmative defenses explain why you’re not responsible for the debt. They state why you shouldn’t pay all or part of it.

Valid affirmative defenses include:

The statute of limitations has expired on the debt
Debt information or your name is incorrect
RS Clark lacks legal standing to collect
RS Clark hasn’t cited violated laws or statutes
RS Clark violated your consumer rights

Saying you don’t have money isn’t a valid affirmative defense.

Example: Julie’s Case

Julie faced a lawsuit from RS Clark for old debt in North Carolina. She researched and discovered the statute of limitations on credit card debt is three years in North Carolina.

Julie hadn’t been active on the account for over three years. RS Clark had no legal standing to sue.

She used Solo to draft an Answer asserting the expired statute of limitations. The court dismissed the case weeks later.

3. File Your Answer and Send a Copy

Every state sets a deadline to file your Answer. Deadlines range from 14 to 35 days across states.

Find the court’s mailing address or location. Send your Answer before the deadline.

Missing the deadline gives RS Clark a default judgment. You lose automatically.

Send via certified mail for delivery confirmation. Physical delivery to the courthouse works too.

Send one copy to RS Clark’s lawyers. Keep one copy for your records.

Our partner Solo can draft and file your Answer in all 50 states. The process takes minutes online.

Settle Your Debt With RS Clark

You can negotiate a settlement if the debt is genuinely yours. Proactive engagement keeps you out of court.

Many creditors and collectors settle for less than the original amount. If you can pay some of the debt, settlement might work.

Our partner Solo makes negotiation easy. You can reach settlement agreements without stressful phone calls.

Settlement Tips

Start with an offer of 30-50% of the debt amount. Collectors often accept reduced payments.

Get all settlement terms in writing before paying. Ensure the agreement states the debt will be marked as settled.

Never give collectors direct access to your bank account. Use one-time payments instead.

Verify the settlement appears correctly on your credit report. Follow up after payment.

Frequently Asked Questions

What is RS Clark and Associates?

RS Clark and Associates is a debt collection agency founded in 1998 and based in Dallas, Texas. They collect unpaid debts on behalf of various companies and charge no upfront fees to clients. The company has a C rating on the Better Business Bureau.

How do I respond to a lawsuit from RS Clark and Associates?

You must file an Answer within 14-35 days depending on your state. In your Answer, respond to each claim with admit, deny, or deny due to lack of knowledge. Assert affirmative defenses like expired statute of limitations. File the Answer with the court and send a copy to RS Clark's lawyers.

Can I settle my debt with RS Clark for less than I owe?

Yes, many debt collectors including RS Clark settle for less than the original amount. Start by offering 30-50% of the debt. Get all settlement terms in writing before paying. Make sure the agreement states the debt will be marked as settled on your credit report.

What are my rights when RS Clark contacts me?

Under the FDCPA, RS Clark cannot call before 8 a.m. or after 9 p.m., discuss your debt with others, ignore debt validation requests, or report incorrect information. If they violate these rights, you can file complaints with the BBB, CFPB, FTC, and your state attorney general.

What happens if I ignore a lawsuit from RS Clark and Associates?

Ignoring a lawsuit results in a default judgment against you. RS Clark wins automatically and can garnish your wages or freeze your bank account. You must respond within your state's deadline, typically 14-35 days, to protect yourself.

Why Is RS Clark and Associates Calling Me? How to Resolve Debt