RS Clark & Associates (RSC) is a third-party collection agency based in Dallas, TX. RSC has received many consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA) such as improper disclosure of information and illegal communication tactics. If RSC has contacted you about past due financial obligations, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), RS Clark & Associates (RSC) is a legitimate collection agency, founded in 1998, and the BBB opened its file on them in 2001. Listed as a billing service, RSC has indicated on its BBB profile page that it offers medical billing and collection services. Buzzfile estimates RSC’s annual revenue at $2.5 million and the size of its staff at 27 people.
According to its website, RSC has been “faithfully servicing national clients for the past 20 years and are passionate about resolving debt. RSC promises to give their full attention to…accounts, and will recover…funds as expediently as possible.”
RSC cites as its strengths several aspects of its business practices. RSC’s collection and management staff “have extensive experience with the latest analytical techniques, software and technology and their application to collections.” In addition, RSC does not charge its clients any upfront fees in an effort to ensure their clients that their staff will make a concerted effort to collect all delinquencies. RSC also claims to deliver higher the expected collection returns, especially when compared to their competitors. Finally, RSC has found that reporting delinquent items to credit reporting agencies is a valuable tool for increasing recovery rates.
RSC’s Consumers page contains links to Ask Dr. Debt; the FDCPA; the Fair Credit Reporting Act (FCRA); Equifax; Experian; and Transunion. It also indicates professional affiliation with the three major credit reporting agencies and the Association of Credit and Collection Professionals (ACA International). However, there is no information about its compliance policies or training programs.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
The BBB has closed 52 complaints against RSC in the past three years, with 17 closed in the past 12 months. Most of those complaints alleged problems with billing and collections. The BBB has given RSC a rating of B-. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 40 complaints against RSC. Justia lists at least 7 cases of civil litigation naming RSC as a defendant.
RS Clark & Associates
12990 Pandora, Suite 150
Dallas, Texas 75238
Telephone:877.532.6133
Website: http://www.rsclark.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely RSC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Get Free BBB A+ Attorney. Call 475-277-1600 NOW
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is a Sample Complaint:
Many of the complaints against RS Clark & Associates allege problems with disseminating false or misleading information or problems with the accuracy of information reported to the credit reporting agencies. In August 2017, a complainant indicated he had made a phone payment to RSC after seeing an indication on their “Make a Payment” page that they are BBB accredited. After making the payment, the complainant referred to RSC’s BBB profile page and discovered that they are not, in fact, BBB accredited. The complainant expressed concern about what appeared to have been RSC’s effort to falsely advertise their accreditation. In response, RSC indicated that he BBB accreditation was a reference to their billing company, Billing Tree. The complainant’s response was that the “webmaster [should do] a better job of separating the entities…[because] the URL did not change to reflect that [the complainant] was leaving R S Clark’s website and entering another.”
In December 2015, a complainant indicated that RS Clark & Associates had reported to the credit reporting agencies a debt resulting from identity theft. The complainant had filed a police report, contacted the Federal Trade Commission (FTC), filed a notarized FTC affidavit of identity theft, placed a security freeze on his credit reports, and contacted the Social Security Administration. Regardless, RSC continued to report residency at an apartment at which the complainant had never lived. The complainant attempted to have the information deleted by appealing to the manager of the apartment complex, but they failed to communicate with the credit reporting agencies. After communicating directly with the credit reporting agencies, the complainant indicated that RSC continued to verify the debt despite the abundance of evidence that it was the result of identity theft. RSC did not provide a response to this complaint.
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
You may have a case, if…
“I was so excited when you told me about the positive outcome of the lawsuit. If the need ever arises again, I will not hesitate to call your office or recommend your law services to a friend in need.”
“Thank you, thank you, thank you! I couldn’t be happier with all the hard work your office has done for me. I feel throughout the whole process I was kept informed, and my questions were always answered completely. The calls have stopped, I no longer have a mountain of junk bills piling up, and I owe it all to Lemberg Law.”
“I found your website. I filled out the information and much to my surprise received a call back within the hour. She listened intently and addressed each one of my concerns. She immediately forwarded me an email and advised I would not be charged for services rendered. She made me feel confident and assured, and that someone was in my corner.”
Chances are good that we can help. Call us today and we’ll explain.
Share your story
Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
See more posts from Sergei Lemberg
RS Clark And Associates has been harassing me for about 1 year now stemming from a $200.00 bill I had with a heart specialist doctors visit I had in 2017. I went to the doctor in about Jan. 2017 for chest pain I was having and gave the receptionist my insurance card which she copied and I asked her about my co-pay for my visit which she told me would be $200.00. I told her I would pay it and the co pay that I would get for any prescription the doctor gave me but I would not be responsible for any other bills due to this visit because I did not have the money to pay for it which she informed me was OK. About 1 month later I started getting a bill for approximately $200.00 for that same visit and I called the doctors office on several occasions relating the details I just explained to you above and informed them that I was not responsible for that bill. A few months later I started getting calls and letters from RS Clark And Associates in regards to the above listed debt which I never responded to because of the agreement I had initially made with the doctors office. On Thursday 9-16-18 at approximately 11:30 RS Clark And Associates representative Patty called my workplace and told my co-worker that she was Patty with RS Clark And Associates and needed to talk to me about debt collection which I believe is a violation of my rights as I have a high security clearance for my job and this will seriously jeopardize my career and employment with my company. I did not get the number she called from as it was blocked on caller ID on my workplace phone and I also told her that I could not talk due to being at work and running a machine. She also left a message on my cell phone that same day that her name was Patty with RS Clark And Associates and to return her call at 214-50*-3132 extension 118 but I couldn’t hear the complete number as her message was garbled. They had called me many times in the past from 214-503-1482. I am now very concerned that I might lose my security clearance and my job because she is calling me at my workplace so I hope that you can help me. Thanks.
I leased a House from WestMark Leasing in Lubbock, Texas. We broke our lease because the dining room flooded from the AC backing up and leaking into the walls and floors, the PM refused to repair the walls or replace the carpets. A fan in the bedroom fell from the ceiling while it was on and I was laying in bed. The only saving grace were that the wires held it long enough for me to get out of the way. Also, the kitchen sink had major rust issues in the lines and faucet. This all after only 3 months in the House. I advised the Property Manager that we were leaving and would be out by the first.
The PM threatened legal action and threatened to send my remaining lease to collections. We worked out a deal that would allow me to pay $1000 a month until the house leased out again and I would only be liable for the lost rent in the 3 or 4 months the house wasn’t occupied.
Then he sent it to collections after the 1st three months AFTER he leased it out again, but for the FULL amount owed. Now I get calls from RSC several times a day multiple times a week. Most of the time they don’t leave a voice mail, sometimes they do.
When I asked for original documentation and an explanation of fees, RS added their fees to my debt and states that I am responsible for paying their fees.
I had a lease agreement with Stewart terrace Atlantic marine corps housing when I was discharged it was supposed to break my lease agreement but they said I still owe the remainder of my lease now they have sold the debt to r s Clark even though my lease should have been anoled I even emailed r s Clark my discharge paperwork