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How to Resolve a Debt with Rash Curtis and Associates

Sarah Edwards | September 19, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Rash Curtis and Associates is a California-based collection agency that tries to collect overdue debts from consumers. If Rash Curtis and Associates has contacted you about a debt, SoloSuit can help you request a debt validation, respond to a debt lawsuit, and settle your debt before going to court.

Are Rash Curtis and Associates’ phone calls and letters making it hard to get through your day without unnecessary stress? If so, that’s completely understandable. Debt collectors can be a real nuisance, and they’re not exactly known for their compassionate bedside manner.

Resolving a debt begins with effective communication and understanding your rights under the Fair Debt Collection Practices Act (FDCPA). In this article, we’ll discuss how to handle the matter and get back to normal.

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What you should know about Rash Curtis and Associates

According to its website, Rash Curtis and Associates is a collection agency formed in 1977. It collects debts for companies in the retail and banking, government, and healthcare sectors.

Consumers can reach Rash Curtis and Associates by calling 866-729-2722 or 707-454-2010. Its mailing address is P.O. Box 5790, Vacaville, California 95696.

Rash Curtis and Associates has full accreditation with the Better Business Bureau (BBB) with an A+ rating, but despite this positive rating, the BBB has received many complaints against Rash Curtis and Associates. Even worse, the Consumer Financial Protection Bureau has received hundreds of complaints against Rash Curtis and Associates.

Most complaints are from consumers who allege they don’t owe the debts and don’t have a contract with Rash Curtis and Associates. A few state that the company harasses them with multiple phone calls per day.

Stop Rash Curtis and Associates' phone calls with a Debt Validation Letter

Most collection agencies rely on letters and phone calls to get in touch with consumers. If they have other methods for contacting you, like your email address or social media account information, they may also reach out through those means.

Debt collectors typically subscribe to the belief that “more is better.” That means they’ll contact you until they get a response from you. While the FDCPA prevents collection agencies from abusing or harassing you, you can expect them to reach out as much as possible under the law.

To stop these phone calls in their tracks, send a Debt Validation Letter. A Debt Validation Letter is a formal document that requests a collection agency to provide the information you need to verify it owns your debt and has the right to collect it.

Not sure how to write a Debt Validation Letter? Use SoloSuit’s simple Debt Validation Letter template.

Under the FDCPA, a collection agency must cease all communication efforts once it receives a Debt Validation Letter from you — until it can provide the requested information.

You can use the letter as a tool to stop Rash Curtis and Associates' phone calls and letters, at least until it responds. You can also include a statement asking the agency not to contact you unless it intends to sue you.

To get the most out of your Debt Validation Letter, ask for the following information:

  • The name of the original creditor and the amount you owe.
  • A copy of the contract you had with the initial creditor.
  • The age of the debt compared to your state’s statute of limitations.
  • The last transaction made on your account.
  • Proof that Rash Curtis and Associates has the right to collect money from you.
  • A valid debt collection license number for your state.

Once the agency’s staff receives your Debt Validation Letter, they’ll review your account to see if they have all the information you requested. If they don’t, you shouldn’t hear from them again. However, you’ll want to monitor your credit report and dispute any related items. They should remove the adverse reports since they didn’t validate your debt.

Watch the following video to learn how to write a Debt Validation Letter to a collection agency in two steps.

If Rash Curtis and Associates validates your debt, you’ll need to make arrangements to pay it

Sometimes, collection agencies like Rash Curtis and Associates will have a valid claim to your debt. If they provide you with evidence that you owe them money, you’ll have a few options to choose from. You can either repay the debt in full, set up a payment arrangement, or try to settle the obligation.

If your debt is small and you have enough cash to repay it, that’s your best option. You'll receive a receipt once you send the money, and the phone calls and letters will cease. If Rash Curtis and Associates reported negative information on your credit report, you can ask it to remove the information, and it may oblige. At a minimum, it will note your account paid, which stops further damage to your credit score.

People who owe more sizable debts can consider payment arrangements. Under a payment arrangement, you’ll pay a specific amount to Rash Curtis and Associates each month until you pay off the balance. However, you’ll probably continue to receive statements and the occasional phone call.

Another option is a settlement.

Settle your debt with Rash Curtis and Associates

In a settlement, you offer Rash Curtis and Associates a specific amount for forgiving the remaining balance. If it agrees to your offer, you’ll pay the money, and it will stop contacting you.

SoloSuit recommends offering at least 60% of the debt’s value, but it’s at your discretion. If your financial circumstances don’t allow you to pay that much, you can explain the situation and see if the collection firm will work with you.

To learn more about how to settle a debt with Rash Curtis and Associates, check out the following video.

SoloSettle, powered by SoloSuit, is a tech-based approach to debt settlement. Our software helps you send and receive settlement offers until you reach an agreement with the collector. Once an agreement is reached, we’ll help you manage the settlement documentation and transfer your payment to the creditor or debt collector, helping you keep your financial information private and secure.

Now, let’s consider a debt settlement example.

Example: Sandy Jenkins developed a severe case of tonsillitis that landed her in the hospital. Unfortunately, she didn’t have medical insurance and incurred a $3,000 bill for her stay. Sandy didn’t have the money to pay the hospital, so it sent her account to collections with Rash Curtis and Associates. After validating the debt, Sandy decides to offer the company a settlement. She tells them she’ll pay $1,500 if they forgive the remainder of the debt. Rash Curtis and Associates agrees, and Sandy sends the money. Rash Curtis and Associates reports the debt settled to the national credit bureaus.

Follow a simple process to resolve debts with Rash Curtis and Associates

If a company like Rash Curtis and Associates is pursuing you for debt, ask them to validate it with a formal letter. If they can prove that you owe the debt and that they have the right to collect it, consider your payment options. A settlement or payment arrangement may be possible if you can’t pay the debt entirely.

Does debt settlement with Rash Curtis and Associates sound scary? Let SoloSettle handle it for you!

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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