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How To Settle Debt With RSIEH

Melissa Lyken | December 13, 2024

Melissa-Lyken
Legal Expert, Paralegal
Melissa Lyken, BS

Melissa Lyken is a senior paralegal and legal-finance content writer with over eight years of professional legal and business experience and a bachelor’s degree in Sociology and Community Studies from the University of California, Santa Cruz.

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: Settle debt with RSIEH by verifying the debt, calculating what you can pay, negotiating online with SoloSettle, getting terms in writing, and paying on time.

Are you being sued by the RSIEH for an unpaid debt? Finding out that you are facing a lawsuit can feel overwhelming and frightening. However, with the help of Solo tools, you can defend yourself in court or resolve the debt outside of court.

RSIEH is a debt collection agency and law firm that collects debt on behalf of lenders, banks, credit unions, and credit card issuers.

The most common mistake debtors make when they are sued for debt is ignoring the lawsuit. Ignoring the debt is the worst thing you could do, as it allows judges to rule in the plaintiff's favor automatically. This shouldn't be the case, as there are effective strategies for defense if you find yourself facing RSIEH in court.

Settle debt with RSIEH

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

Settle with SoloSettle

Who is RSIEH?

RSIEH is an acronym for Rausch, Sturm, Israel, Enerson, and Hornik, also known as Rausch Sturm, LLP. It is a debt collection law firm based in Wisconsin that helps financial institutions and creditors collect debt. The firm was established in 1997 and incorporated in 2008. According to its website, RSIEH assists credit issuers and consumers in resolving financial setbacks.

The RSIEH law firm has hired a resolution team (a team of debt collectors) to work with you to find a mutually acceptable resolution between you and your original creditor. Remember, no one wants a court battle, because it can be extremely costly and time-consuming for everyone involved.

It’s tempting to ignore phone calls, letters, and even service of process from debt collectors because you feel overwhelmed or unable to pay the debt. However, taking no action will produce the worst possible outcome for you. Instead, talk to the resolution team about potential compromises.

You can explore debt settlement using SoloSettle. Some creditors are willing to settle for less than the amount you owe to avoid the hassle of going to court.

Settle debt with RSIEH in 3 steps

Communication plays a vital role in the settlement process. Open and honest discussions with RSIEH representatives can lead to more favorable terms. Transparency about financial limitations and future income projections can assist in negotiating a settlement that is both manageable and beneficial. Make sure you communicate in writing and keep a copy for your records.

The three steps to debt settlement are:

  1. Determine how much you can reasonably afford to pay in a lump sum. Make your first settlement offer less than the maximum you can pay so that you have some room for negotiation should they counter-offer.
  2. Use SoloSettle to make your initial offer and begin negotiations.
  3. Get the settlement agreement in writing, and ensure that it is signed by both parties before you pay the settled amount.

Adhering to the terms of the agreement is crucial. Consistent payments or fulfilling lump-sum agreements as per the settlement plan ensures the debt resolution process progresses without complications.

Completing the settlement process with RSIEH alleviates financial burdens and will improve your credit score, because settling a debt is much better than leaving a delinquent debt mark on your credit report.

Settle with SoloSettle

Make an Offer

Watch the following video to learn more about these three steps:

What should I do if RSIEH sues me?

If you’ve been sued by RSIEH, it’s not too late to resolve the debt. However, this will only happen if you are open to communicating with the law firm to negotiate the debt and settle outside of court. Here are a few things to consider:

  • Respond to the lawsuit. In most state, you have to draft a written Answer to the lawsuit and file it with your court. Filing an Answer will help you block a default judgment, but it’s only the first step to resolving your debt lawsuit. SoloSuit can help you draft and file an Answer in any state.
  • Watch for scheduled hearings. After you’ve filed the Answer, be proactive about your case. If there are any scheduled hearings, trials, or arbitration hearings, be sure to attend! If you don’t show up to your court date, you will most likely lose the case. This could lead to wage garnishment, seizure of your property, a frozen bank account, etc. Be sure to show up.
  • Contact RSIEH to settle outside of court. If you want to avoid going to court, reach out to RSIEH to Here’s the RSIEH phone number for when you’re ready to negotiate: 866-456-3744. If the thought of negotiating with a debt collector on the phone sounds scary, you’re not alone. SoloSettle can help you contact collectors like RSIEH to negotiate debt resolution online—no phone calls or court hearings needed.

Being sued by a debt collector may seem frightening, but knowing your rights as a consumer and using resources like Solo can make the entire experience less stressful. Now, let’s take a closer look at your rights as outlined by the FDCPA.

Understand the FDCPA to protect your rights.

Working with creditors instead of taking a combative position against them is the best way to resolve outstanding debt. However, it is crucial that you know your rights as a consumer. The Fair Debt Collection Practices Act (FDCPA) provides legal protections against abusive debt collector practices.

The FDCPA is enforced by the Federal Trade Commission. Under the act, it’s illegal for debt collectors to use unfair practices when collecting debts. Debt collectors are prohibited from:

  • Calling you at work if calls aren't allowed during working hours
  • Calling you at inconvenient times
  • Discussing your debt with anybody other than you, your lawyer, or your spouse
  • Falsely claiming that you'll be arrested if you fail to pay the debt.
  • Threatening to take property unless they have a warrant
  • Harassing, threatening, or using obscene language when collecting debt
  • Lying about your debt, including stating that you owe a different amount than you owe

If RSIEH violates any of these rules, you can use it as a defense in court. However, this is only valid within a year from the date the law was violated. Most debt collectors understand the consumer protections under the FDCPA and strive to work with consumers without violating their rights.

Here are some steps to take to ensure your rights are protected while you work to resolve the debt.

Step 1: Gather your information.

Collect all communication you’ve had with RSIEH. Take notes of any communication, including dates, times, and what was discussed.

Step 2: Send a Dispute Letter if necessary.

If you feel there’s been a misunderstanding regarding the validity of the debt, sending a Debt Validation Letter is a proactive way to seek resolution. The Debt Validation Letter places the burden on the debt collector to prove that the debt is yours and that the information, such as the balance owed, is correct.

Step 3: Consult an attorney.

If you’ve attempted to work with RSIEH, and Solosuit’s tools have not helped you move toward resolution, it may be time to consult an attorney who specializes in consumer rights. However, legal representation is expensive, so this is typically the option of last resort.

Remember, you’ve taken a crucial step in facing your concerns instead of ignoring a potential lawsuit. It’s vital that you’ve accepted the role of being your own advocate. By following the above steps, you’ll be better equipped to navigate this situation with confidence and clarity.

Respond to debt collection lawsuits in 15 minutes with SoloSuit.

Countersuit case study: Kelly Fosen vs. RSIEH

Kelly Fosen, a Texas resident, owed Citibank a certain amount of money. The bank wrote to Fosen to inform her that they would involve a third party if the amount wasn't paid. The credit card provider decided to involve RSIEH after Fosen made no attempt to pay the debt.

Fosen disputed the debt, asking Citibank to prove she owed money. RSIEH still filed a lawsuit without serving her with the petition. Since Fosen didn't receive any papers to prove she owed debt, despite disputing the debt within the allowed window period, she filed a countersuit against both the credit company and RSIEH. In the counterclaim, Fosen alleged that both corporations violated the Fair Debt Collection Practices Act.

At Solo, we don’t help with countersuits, but we have great resources on the Fair Debt Collection Practices Act that can help you understand your rights if you’re considering filing a countersuit.

The statute of limitations on your debt could be a strong defense

After a certain amount of time, the statute of limitations on some debts expires, prohibiting RSIEH debt collectors from filing any lawsuits. The statute of limitations is a rule that sets the period within which a creditor or debt collector can sue for payment of a debt. It varies by state, type of debt, and whether your agreement with the creditor was in writing.

For example, in Ohio, the statute of limitations for written contracts is eight years from the date the debtor breaches the contract. So, if you haven’t made a payment on your credit card debt for more than eight years, and you live in Ohio, then technically your creditor does not have the legal right to take you to court anymore.

The statute of limitations begins the day you fail to make payment. If you make a payment or admit guilt after being served, the statute of limitations starts again. It's important to note that even when a debt is time-barred, you still need to respond to your lawsuit with an Answer.

Once the statute of limitations expires, the debt is time-barred. RSIEH can’t sue you for a time-barred debt. However, they can continue to contact you.

Being sued by a law firm may feel like you are in an unfair fight. Remember, the worst course of action is taking no action at all. If you fail to respond, RSIEH can obtain a summary judgment against you and ask for a wage garnishment. When you receive a Notice of Complaint, make sure you file an Answer in a timely manner.

It doesn’t end with filing an Answer. Until you’ve reached a settlement or other resolution, you must continue to show up for all court hearings. Once you’ve reached a settlement agreement, make sure you get it in writing and then pay the agreed-upon amount.

Make the right defense the right way with SoloSuit.

Read RSIEH reviews online to learn more about the company

If you want to find ways to negotiate with RSIEH, consider learning from others’ experience. Read the following RSIEH review online to learn more about how to resolve your debt with the law firm:

RSIEH reviews are mixed online, but you may be surprised to hear that they have received several positive reviews regarding their collections agents who work hard to help people resolve debts. Let’s take a look at a real example from a man named Keith:

“​​I was contacted tonight by Michelle Romero about an outstanding debt I need to clear. She was extremely patient and kind with all her responses to me and very understanding of my situation. She explained everything very well and helped me to set up an affordable payment plan to get my debt resolved. She made my day as she was helping me achieve my goals of gaining a good credit report again. This was a step in the right direction. Thank You Michelle!!! I am very grateful.”

As you can see, communication can take you far when you owe a debt. In Keith’s example, he was open to engaging with the RISEH debt collector, and in the end, that open communication helped him get back on track and settle the debt without having to appear in court.

Ready to reach out to RISEH to settle your debt? Use SoloSettle to do it online.

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.

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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

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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.

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