Sued by RSIEH for Debt? — How to Win

George Simons

January 21, 2021

If you are the swimmer, and RSIEH is the gator, then SoloSuit is the Elbow-Drop Guy.

Summary: Sued for a debt by RSIEH? This guide is for you. Use SoloSuit to respond in 15 minutes and win your lawsuit.

If you have been served with a lawsuit from RSIEH (Raush, Sturm, Israel, Enerson & Hornik, LLC), do not panic. This might seem like a scary time, but you do have the option to fight it.

The first mistake that many people make when being sued for debt is to ignore it. Whether this is because they assume they will lose or simply do not have the money, this is always a bad idea. If you do not fight the lawsuit, then you will automatically default and lose your case. Instead, fight the lawsuit, and give yourself a fair chance to reduce or eliminate your case.

Who is RSIEH?

RSIEH is an LLC lawfirm. Commonly known as “Rausch Sturm, RSIEH stands for “Raush, Sturm, Israel, Enerson and Hornik”.

Although this company presents itself as a brand that helps people that fall behind on their debts, they act as a buy of debt primarily. In addition, RSIEH LLC performs debt collection work, representing financial institutions and creditors for the last 40 years.

If you have received a letter from RSIEH, it means that a bank or creditor has stated you owe a debt. This means that now is your chance to prove yourself and win your case against RSIEH.

Step to Take to Win Your Case

If you are worried about going to court and fighting a lawsuit, this is normal. If you have never stepped foot in a courtroom, then it can be an emotional experience. Despite this, we cannot stress how important this is. Most debts can be easily fought and then either eliminated or reduced. Do not risk losing your case because you are scared.

Ask For Evidence

Often if you have an old debt, it has been purchased, sold, and turned over by multiple companies. This means that by the time it reaches the desk of RSIEH LLC, it will have been in the hands of many other companies.

What this means for you is that they may not have any evidence or proof of how you acquired the debt. If you send the letter within 30 days of getting the debt notice, then they legally must send you written verification of the debt. If they do not have a contract or receipt for how the balance was calculated, then they cannot prove that the debt belongs to you.

The bottom line is that if they cannot prove that you agreed to take on the debt, they cannot legally pursue you for the payment. This means that the first words out of your mouth should always be “show me the evidence of my debt.”

Statute of Limitations

Similar to needing evidence to pursue a debt, the same goes for the statute of limitations. After a certain amount of time has gone by, the statute of limitations will have expired. This leads to another reason why RSIEH cannot legally enforce you to pay the debt.

The day you fail to make a payment on a debt is the day your statute of limitations begins. This means that you should not make any payment on a debt, nor admit guilt, after being served. If you do, the statute of limitations will start over again.

Time-Barred Debts

Once the statute of limitations is over, the unpaid debt is considered “time-barred.” This is a great defense option when fighting RSIEH. You may need to bring this up in court during your lawsuit.

If your debt is time-barred, you have two options:

  1. Pay nothing: It is good to note that although the collector cannot sue you anymore, you still may owe the debt. They do also have the right to continue to contact you. To end this contact you will need to send a letter by mail asking for contact to stop.
  2. Pay off the debt: If you would like to remove the debt once and for all, you can fight and attempt to pay only some of the debt. This is called a settlement. Be sure to request a signed letter that states how much you are paying, and that they are releasing the debt.

Be aware that although your debt may be time-barred, you still need to respond. In this case, if you ignore a lawsuit, the collector then may be able to obtain a court judgment and garnishment against you. If you go to fight RSIEH in court and tell the judge the debt is time-barred, then you have a better chance of winning your case and avoiding the debt.

Know Your Rights

The FTC, known as the Federal Trade Commission, enforces the Fair Debt Collection Practices Act (FDCPA). This act makes it illegal for debt collectors to abuse you, and use unfair, or deceptive practices when they collect debts.

Debt collectors may not:

  • Call you at inconvenient times.
  • Call you at work if you are not allowed calls.
  • Discuss your debt with anyone other than you, your spouse, or a lawyer you have appointed.
  • Harass you. Meaning they cannot physically threaten you, use obscene language, or call you to annoy you.
  • Lie to you about your debt. They may not state you owe an amount different than you owe or lie about being someone other than who they are.
  • Falsely claim that you will be arrested if you do not pay the debt.
  • Collect interest or fees on top of what you owe, unless it is in your original contract.
  • Take or threaten to take your property unless they have a warrant to do so legally.

If RSIEH breaks any of the practices within the FDCPA, you can sue them in either a state or federal court. This can be done within one year of the date the law was violated. Suing means you can get back damages, which includes lost wages and medical bills. If you can not prove damages, then you may be awarded up to $1,000, as well as reimbursement for any attorney 's fees and court costs.

Fight Your Case

If RSIEH is suing you for a debt, know your rights, and always respond. Be sure to request evidence of your debt because you never know what they hold and do not hold in terms of proof.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Start My Answer

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

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here 's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We 're making guides on how to beat each one.

Other helpful articles

Need more info on statutes of limitations? Read our 50-state guide.

Need help managing your finances? Check out these resources.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

SoloSuit FAQ

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit