How to Resolve a Debt with Rash Curtis and Associates

Are Rash Curtis and Associates making your life miserable with constant calls and letters? You have every right to feel stressed.

Debt collectors often lack compassion. They focus on one thing: getting paid.

Resolving a debt starts with effective communication. You need to understand your rights under the Fair Debt Collection Practices Act (FDCPA).

In this guide, you’ll learn how to handle Rash Curtis and Associates effectively.

What You Should Know About Rash Curtis and Associates

Rash Curtis and Associates formed in 1977. The collection agency operates from California.

They collect debts for retail, banking, government, and healthcare companies.

You can reach them at 866-729-2722 or 707-454-2010. Their mailing address is P.O. Box 5790, Vacaville, California 95696.

The Better Business Bureau gives them an A+ rating. However, consumers have filed many complaints against the company.

The Consumer Financial Protection Bureau has received hundreds of complaints about Rash Curtis and Associates.

Most complaints come from consumers who don’t recognize the debt. Others report harassment through multiple daily phone calls.

Some consumers claim they never had a contract with the company. These red flags matter when you’re deciding how to respond.

Stop Their Phone Calls with a Debt Validation Letter

Collection agencies rely heavily on phone calls and letters. They may also contact you through email or social media.

Debt collectors believe more contact equals better results. They’ll reach out as often as the law allows.

You can stop these calls by sending a Debt Validation Letter.

A Debt Validation Letter is a formal request for proof. You’re asking the agency to prove it owns your debt.

The FDCPA requires collection agencies to stop contacting you once they receive your letter. They must cease communication until they provide the requested information.

You can also ask them not to contact you unless they plan to sue.

What to Include in Your Debt Validation Letter

Request the following information to maximize your letter’s effectiveness:

• The original creditor’s name and the amount you allegedly owe
• A copy of your contract with the original creditor
• The debt’s age compared to your state’s statute of limitations
• The last transaction date on your account
• Proof that Rash Curtis and Associates can legally collect from you
• A valid debt collection license number for your state

After receiving your letter, they’ll review your account. If they can’t provide the requested information, they must stop contacting you.

Monitor your credit report carefully. Dispute any related items if they can’t validate the debt.

They should remove adverse reports since they failed to validate.

If They Validate Your Debt, Make Payment Arrangements

Sometimes collection agencies have legitimate claims. If Rash Curtis and Associates provides valid evidence, you have options.

You can repay the debt in full, arrange monthly payments, or settle for less.

Pay in Full

If your debt is small and you have cash available, pay it off. You’ll receive a receipt, and the harassment stops immediately.

Ask them to remove negative information from your credit report. They may agree, especially if you paid in full.

At minimum, they’ll mark your account as paid. No further damage will occur to your credit score.

Set Up a Payment Plan

Larger debts may require payment arrangements. You’ll pay a specific amount monthly until the balance reaches zero.

You’ll still receive statements and occasional phone calls. But the pressure typically decreases once you’re making regular payments.

Settle for Less Than You Owe

Debt settlement offers another path forward. You can work with our partner Solo to negotiate a reduced payoff amount.

How to Settle Your Debt with Rash Curtis and Associates

In a settlement, you offer a lump sum payment for debt forgiveness. If they accept, you pay the agreed amount.

Consider offering at least 60% of the debt’s value. Collection agencies often accept this percentage.

If your finances don’t allow 60%, explain your situation honestly. They may work with you anyway.

Get everything in writing before you pay. Never send money without a written settlement agreement.

Our partner Solo uses a tech-based approach to debt settlement. The software helps you send and receive settlement offers automatically.

Once you reach an agreement, Solo manages the settlement documentation. They also handle payment transfers securely.

Debt Settlement Example

Sandy Jenkins developed severe tonsillitis requiring hospitalization. Without medical insurance, she incurred a $3,000 bill.

Sandy couldn’t pay the hospital, so they sent her account to Rash Curtis and Associates.

After validating the debt, Sandy offered a settlement. She agreed to pay $1,500 if they forgave the remaining balance.

Rash Curtis and Associates accepted her offer. Sandy sent the payment, and they reported the debt as settled.

Follow These Steps to Resolve Your Debt

If Rash Curtis and Associates contacts you, request debt validation first. Send a formal letter asking for proof.

If they prove the debt is valid, consider your payment options carefully. Settlement or payment plans work when you can’t pay in full.

You don’t have to navigate this process alone. Professional help is available to guide you through negotiations.

Know Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from abusive collection practices.

Collectors cannot harass you with excessive phone calls. They cannot threaten you with violence or arrest.

They cannot contact you at work if you tell them not to. They cannot discuss your debt with friends or family.

If Rash Curtis and Associates violates these rules, document everything. Keep records of all calls, letters, and communications.

You may have grounds to sue them for FDCPA violations. Many consumers have successfully sued collection agencies for illegal practices.

What to Do If You’re Sued

If Rash Curtis and Associates files a lawsuit, don’t ignore it. Ignoring a lawsuit guarantees you’ll lose.

You must file an Answer with the court. Your Answer responds to each claim in the lawsuit.

You typically have 20-30 days to file your Answer. The deadline appears on your court summons.

Missing this deadline results in a default judgment against you. The collector can then garnish your wages or bank account.

Our partner Solo can help you draft and file your Answer. The service asks simple questions and creates your legal response.

An attorney reviews your document before filing. You get professional help without expensive legal fees.

Check Your State’s Statute of Limitations

Every state has a statute of limitations on debt collection. After this period expires, collectors cannot sue you.

The statute varies by state and debt type. It typically ranges from three to ten years.

If your debt is old, check your state’s statute of limitations. The debt may be too old to collect legally.

Even if the statute expired, collectors may still contact you. But they cannot sue you or threaten legal action.

Never make a payment on time-barred debt. A payment can restart the statute of limitations clock.

Monitor Your Credit Report

Rash Curtis and Associates may report your debt to credit bureaus. Negative reports damage your credit score significantly.

Check your credit report regularly. You’re entitled to one free report annually from each bureau.

Dispute any inaccurate information immediately. Credit bureaus must investigate disputes within 30 days.

If they validated your debt and you paid it, ask for deletion. Some collectors will remove negative reports after payment.

Settled debts also appear on credit reports. The impact is less severe than unpaid debts.