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

George Simons | February 13, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: RS Clark and Associates is likely calling about unpaid debt. Respond promptly, verify the debt, and consider settling or creating a payment plan to resolve it. Solo can help you resolve debt with RS Clark and Associates at any stage of the collections process.

RS Clark and Associates is a professional debt collection agency focused on helping businesses recover unpaid debts efficiently. Their slogan, “Turn bad debt into profit,” reflects their goal of supporting clients by managing delinquent accounts, allowing businesses to focus on growth rather than collections.

If you’ve been contacted by RS Clark and Associates, it’s likely because they’re working on behalf of a company you owe. While consistent calls or emails can feel overwhelming, it’s important to remember that engaging with them proactively can lead to a resolution that works for both parties.

This article will guide you through practical steps to address your debt with RS Clark and Associates—whether you’re just starting the conversation, exploring settlement options, or navigating the legal process. Let’s dive in!

Settle debt with RS Clark and Associates

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is RS Clark and Associates?

Founded in 1998, RS Clark and Associates is primarily a debt collection agency but also doubles up as a credit reporting agency based in Dallas, Texas. Although RS Clark and Associates is not accredited by the Better Business Bureau (BBB), it does have a C rating on its profile.

More often, RS doesn't buy old debt but actively helps clients get their money and receives a percentage of whatever is collected in the end. Companies trust RS Clark and Associates because it does not charge upfront fees for services, putting RS off its competitors.

Below is RS Clark and Associates’ phone number, address and other 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 and Associates collect for?

RS Clark and Associates typically collects unpaid debts on behalf of multiple companies in different sectors of the economy.

Read RS Clark and Associates reviews online

If you are curious to learn what consumers have said about their experience with RS Clark and Associates on a debt collection matter, then take a moment to read these reviews:

While online reviews for RS Clark and Associates are pretty mixed, there are some reviews that indicate consumers can have a pleasant experience communicating with RS Clark and Associates collectors to resolve debt. Let’s consider a real example from a borrower named Sherrita:

“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.”

This review shows that RS Clark and Associates debt collectors are open to working with you to resolve your concerns and get your debt paid in a manner that works for you and your current financial situation. Communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Exercise your rights when RS Clark and Associates Contacts you

RS Clark and Associates is not above the law despite its high standing within the corporate world. The Fair Debt Collection Practices Act (FDCPA), enacted in 1977, protects consumers from mistreatment and harassment by debt collectors.

When consumers complain about a collection agency, the company must rectify its mistake or suffer the consequences, including paying the debtor non-economic damages or forgiving the debt. FDCPA guidelines state that RS Clark and Associates should not:

  • Call you to discuss a debt before 8 a.m. or after 9 p.m.
  • Tell your family, friend, or colleagues about your debt
  • Ignore your Debt Validation Letter
  • Threaten to report you to law enforcement
  • Report a wrong debt on your credit report
  • Fail to identify themselves when they contact you

If RS Clark and Associates violate these rights, submit a complaint against them on their BBB profile and CFPB website. You can also report them to the Fair Trade Commission website and your state’s attorney general's office.

Respond to a lawsuit against RS Clark and Associates

Oh no! That may have been your first response when you received a lawsuit from RS Clark & Associates. Indeed, it is terrifying to think you will have to argue your case with a big company that has vast resources at its disposal.

But it may surprise you that RS, like all other collection agencies, does not like the court process. Additionally, you still have a good chance of receiving a favorable judgment if you use the following steps in responding to the suit:

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

Below, we will break down each of these steps in detail. Don’t like reading? Check out this video instead:

1. Answer each claim listed in the Complaint

In the lawsuit you receive, you'll see a Complaint document that lists all of RS's allegations against you. The law requires you to respond to these claims with either of these three phrases:

  • Admit: This response means that you agree to RS's claim against you and do not dispute it.
  • Deny: This response forces RS to prove that each claim is factual.
  • Deny due to lack of knowledge: This phrase means you cannot admit or deny entirely because you do not have all the information to make an informed decision.

To avoid destroying all your chances of receiving a favorable judgment, do not admit to all the claims. Rather, deny some claims so RS can have the burden of proving their case. Some collectors withdraw the lawsuit due to a lack of evidence or ask you to settle at a lower amount.

Let’s consider an example.

Example: Jennifer was sued by RS Clark and Associates for a debt she didn’t recognize. She used SoloSuit to draft and file an Answer to the lawsuit. In her Answer document, Jennifer denied all the claims against her. Since RS Clark and Associates didn’t have the necessary documentation and evidence to prove all their claims, they decided to drop the case.


Respond to your debt collection lawsuit in minutes online.

2. Assert your affirmative defenses

This section allows you to build your case by explaining why you are not responsible for the debt. It also allows you to state why you should not pay the whole or part of the debt. The affirmative defenses that a judge accepts as valid include:

  • The statute of limitations for the debt in question has passed.
  • The debt information, including your name, is incorrect.
  • RS Clark & Associates has no legal standing to ask for the money because they haven't proved the creditor hired them to follow up on it.
  • RS Clark & Associates has not cited any law or statute violated.
  • RS Clark & Associates violated your consumer rights.

Notably, saying you do not have the money is not an affirmative defense that can stand in court.

Let’s take a look at another example.

Example: Julie is being sued by RS Clark and Associates for an old debt in North Carolina. After doing some research online, she finds out that the statute of limitations on credit card debt is only three years in North Carolina. Since Julie hasn’t been active on the debt account in a little over three years, RS Clark and Associates does not have the legal standing to sue. She uses Solo to draft and file an Answer where she asserts the expired statute of limitations as one of her affirmative defenses. After a few weeks, the court dismissed the case.


Make the right affirmative defense the right way.

3. File the Answer in court, and send a copy to RS Clark and Associates

Every state has a deadline for the defendant to send their Answer; it ranges from 14–35 days across all states. To that effect, find the mailing address or court location and send the Answer before the set date. Otherwise, RS may receive a judgment in their favor.

The most convenient method is to send via certified mail (you’ll receive a delivery receipt) or physically take it to the courthouse. In addition, send a copy to RS lawyers and keep a copy in your records.

SoloSuit can draft and file your Answer for you in all 50 states.

Settle your debt with RS Clark and Associates

If you know the debt is genuinely yours, you can take proactive steps to engage with RS Clark and Associates and negotiate a settlement that allows you to remain out of court. SoloSettle makes it easy to negotiate a debt settlement and reach an agreement with debt collectors.

Keep in mind that many creditors and debt collectors are willing to settle for less than the original debt amount. So, if you know you owe the debt and are in a position to pay some of it off, settlement might not be a bad route to take.

Settle with SoloSettle

Make an Offer

Check out this video to to learn tips and tricks on how to settle debt with RS Clark and Associates:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

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Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

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Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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