RSI Enterprises Contacting You? Your Legal Options (2025)

RSI Enterprises just left you a voicemail. Or sent a letter claiming you owe $2,400 for a medical bill you don't remember. Your first question: Is this real?

Short answer: Yes. RSI Enterprises is a legitimate third-party debt collector. They work with hospitals, government agencies, and financial institutions to collect unpaid debts. The Better Business Bureau gives them an A+ rating, though the CFPB shows 140+ consumer complaints in the past three years.

But legitimate doesn't mean you're defenseless. Federal law gives you clear rights when dealing with RSI Enterprises, starting with the power to force them to prove you actually owe the money.

Who RSI Enterprises Collects For

RSI Enterprises buys debts or collects on behalf of:

• Hospitals and medical billing companies
• Federal student loan servicers
• State government agencies (parking tickets, overpaid benefits)
• Regional credit unions and banks

If your debt originated with one of these entities and went unpaid for 90-180 days, RSI Enterprises likely purchased it for 4-15 cents on the dollar. That gap between what they paid and what they claim you owe is your negotiating leverage.

Common Complaints About RSI Enterprises

The CFPB complaint database reveals patterns. Consumers report:

• Three to five calls per day from different RSI phone numbers
• Collectors asking personal questions without stating the call is recorded
• Threats to sue within 30 days (often empty threats)
• Reporting debts to credit bureaus before validating them
• Continuing to call after consumers requested written communication only

Every single one of these practices violates the Fair Debt Collection Practices Act. You can use violations as leverage in settlement negotiations or file a complaint with the CFPB.

Step One: Request Debt Validation

Do not send RSI Enterprises money. Do not confirm the debt is yours. Do not give them your bank account or Social Security number.

Instead, send a debt validation letter within 30 days of their first contact. This letter forces RSI to pause all collection activity until they provide:

• The original creditor's name and your account number with them
• The exact amount you allegedly owe, including any added fees
• Proof that RSI owns the debt or has authority to collect it
• The date of your last payment to the original creditor
• RSI's debt collection license number for your state

Send this letter via certified mail with return receipt. Keep a copy. Once RSI receives it, they cannot call you or report the debt to credit bureaus until they respond with documentation.

About 20% of debts fail validation. The original creditor may not have kept adequate records, especially for medical debts older than three years. If RSI cannot validate, they must stop collection permanently.

What If the Debt Is Yours?

RSI validates the debt. The amount looks right. The original creditor matches your records. Now what?

Check your state's statute of limitations. This is the deadline for a creditor to sue you. It varies wildly:

• California: 4 years
• Ohio: 6 years
• Kentucky: 15 years

If your debt is past the statute of limitations, RSI can still call and send letters, but they cannot sue you. If they threaten legal action on a time-barred debt, that's an FDCPA violation.

One critical point: Making a payment or even acknowledging you owe the debt can restart the statute of limitations in some states. Talk to a consumer rights attorney before you act.

Negotiate a Settlement

If the debt is valid and within the statute of limitations, you have three options: pay in full, set up a payment plan, or negotiate a lump-sum settlement.

Debt collectors like RSI Enterprises will accept 30-60% of the balance if you pay immediately. Here's why: They bought your $3,000 medical debt for $300. If you offer $1,200 as a one-time payment, they still profit $900.

Start low. If RSI claims you owe $4,000, offer $1,200 (30%). They'll counter at 60-70%. Land somewhere around 40-50% if you can pay within 30 days.

Critical rules for settlement:

• Get the agreement in writing before you send money
• Confirm the letter states "paid in full" or "settled in full," not "partial payment"
• Never give RSI access to your bank account via ACH authorization
• Pay with a cashier's check or money order, not a personal check
• Keep all records for seven years

RSI Enterprises may report a settled debt to credit bureaus as "settled for less than the full balance." This is legal. The entry will stay on your credit report for seven years from the date of first delinquency, but its impact fades after two years.

When RSI Enterprises Can Sue You

If you ignore RSI and the debt is within your state's statute of limitations, they can file a lawsuit. This happens in about 15% of debts over $1,000.

You'll receive a summons and complaint. The complaint lists the original creditor, the amount owed, and RSI's claim to the debt. You have 20-30 days to respond, depending on your state.

Do not ignore a lawsuit. If you fail to respond, RSI wins a default judgment. With a judgment, they can garnish your wages (up to 25% of your paycheck in most states) or freeze your bank account.

Your response, called an Answer, should challenge RSI to prove their case. Common defenses:

• The debt is past the statute of limitations
• You already paid the original creditor
• RSI cannot prove they own the debt
• The amount is incorrect
• You never had an account with the original creditor (identity theft)

About 70% of consumers who file an Answer either get the case dismissed or reach a favorable settlement before trial. For help responding to a lawsuit, check if bankruptcy might stop the case entirely or consult a consumer rights attorney who works on contingency.

Stop RSI Enterprises From Calling You

You have the right to stop RSI's phone calls. Send a cease-and-desist letter that says:

"Under the FDCPA, I am requesting that RSI Enterprises cease all phone communication with me. All future correspondence must be in writing to the address below."

After RSI receives this letter, they can only contact you to confirm they received your request or to notify you of specific legal actions, like filing a lawsuit.

If RSI calls after receiving your cease-and-desist, document the date, time, and what was said. File a complaint with the CFPB and your state attorney general. You may also have grounds for a lawsuit under the FDCPA, which allows up to $1,000 in statutory damages plus attorney fees.

Report FDCPA Violations

RSI Enterprises must follow strict rules. They cannot:

• Call before 8 a.m. Or after 9 p.m. In your time zone
• Contact you at work if you tell them your employer prohibits it
• Discuss your debt with family, neighbors, or coworkers
• Use obscene language or threaten violence
• Threaten arrest or legal action they don't intend to take
• Falsely claim to be attorneys or government agents
• Refuse to identify themselves as debt collectors

If RSI violates the FDCPA, you can sue them within one year. Successful plaintiffs recover actual damages (emotional distress, lost wages) plus up to $1,000 in statutory damages. RSI must also pay your attorney fees, which is why many consumer lawyers take these cases on contingency.

File complaints simultaneously with:

• The Consumer Financial Protection Bureau (consumerfinance.gov/complaint)
• Your state attorney general's consumer protection division
• The Better Business Bureau (for public record, though they can't force action)

When Bankruptcy Makes Sense

If RSI Enterprises is one of several creditors hounding you, and your total unsecured debt exceeds $10,000, bankruptcy might resolve everything at once.

Filing for bankruptcy triggers an automatic stay, which immediately stops all collection activity. RSI cannot call, write, or sue you the moment your case is filed.

Chapter 7 bankruptcy discharges medical debt, credit card debt, and most other unsecured debt within four months. If you qualify based on your income, you walk away owing nothing. Talk About Debt helps you file Chapter 7 for a flat $200 fee, far less than traditional attorneys charge.

Chapter 13 creates a 3-5 year repayment plan based on what you can afford. You might pay 10-30 cents on the dollar, and the rest is discharged. This works if you're behind on a mortgage or car loan and need time to catch up.

Take Control Now

RSI Enterprises holds no special power. They're a business trying to collect money, bound by the same federal laws as every other debt collector.

Start with validation. If the debt isn't yours or RSI can't prove it, the problem ends there. If the debt is valid, negotiate hard—they paid pennies for it. If they've already sued you or you're drowning in multiple debts, see if bankruptcy is your fastest path to relief.

You're in the driver's seat. Act within 30 days, document everything, and don't let RSI Enterprises pressure you into decisions that aren't in your interest.