Dena Standley | February 24, 2023
Summary: Reliant Capital Solutions debt collectors can cause you sleepless nights when they pursue debt collection against you. SoloSuit will give you several ways to beat them in or outside the court and get your sleep back.
Do you cringe every time you hear the phone ring because you suspect it's Reliant Capital Solutions (RCS) calling again? Are you wondering whether they have a right to contact you multiple times a day? According to the Fair Debt Collection Practices Act (FDCPA), they should not call you more than once a day for the same debt.
Even though Reliant Capital Solutions is a legitimate debt collection company, they sometimes use aggressive means to collect their money. As a result, they cause financial and psychological harm to consumers who feel helpless while dealing with them. Today, SoloSuit will empower you to beat RCS at whichever stage of the collection process you are in.
Before we go deep into the discussion, did you know you can stop the annoying calls from RCS by sending a Debt Validation Letter? Debt collectors should not contact you after you send the letter—until they verify the debt is yours. Watch this video to learn more:
Reliant Capital Solutions, LLC is a third-party debt collection agency in Gahanna, Ohio. It collects debt for various industries, including healthcare, retail, commercial, automotive, student loans, and government. RCS has been in business for 15 years and has been Better Business Bureau (BBB) accredited since 2019, with an A+ rating.
RCS debt collectors work by assisting companies in collecting their money on delinquent accounts. They also buy old debts for pennies on a dollar and follow up with consumers years later to pay a debt to them, not the original creditor.
Below is Reliant Capital Solutions’ contact information:
670 Cross Pointe Rd
Gahanna, OH 43230-6862
Website: Reliant Capital Solutions
Phone Number: (614) 452-6100 or (866) 837-5096
Despite winning the corporate excellence award in 2019, RCS has accrued significant complaints from consumers who’ve had terrible experiences with the company. These complaints are reported in their BBB profile, Consumer Financial Protection Bureau (CFPB) database, and other platforms.
As of 2022, the BB has received more than 50 complaints against Reliant Capital Solutions over the last three years. Similarly, the CFPB has reported more than 300 complaints against Reliant Capital Solutions since 2012. These complaints mention unfair treatment by RCS debt collectors, ranging from reporting fraudulent debts, to disrespectful phone calls, to failing to validate debts upon request.
Let’s take a look at a real complaint against Reliant Capital Solutions:
“I began receiving phone calls from this company several weeks ago. They would always hang up as soon as I answered. I'd call back, they'd rudely tell me there is no account linked to my number. Everyone I've spoken to there has an attitude to them, especially when i requested their address to send a cease and desist. I simply want peace and it's a shame that this company can't respect their mistake and stop harassing me.”
Beating RCS is not impossible if you know your consumer rights. You have a good chance of getting a reasonable settlement offer or a favorable judgment if they sue you.
As mentioned earlier, the Fair Debt Collection Practices Act (FDCPA) protects consumers from bad business practices from big companies such as RCS. In effect, debt collection agencies are sometimes penalized for violating these rights. They may have to pay damages to consumers, cancel the debt, or accept a settlement as a consequence of their actions. These guidelines state that RCS should not:
If RCS violate these guidelines, submit a complaint on its BBB profile and to the CFPB website. You can also report RCS to the Fair Trade Commission platform and your state’s attorney general's office.
Unfortunately, debt collectors can sue you for a debt that hasn't expired. Once you receive the lawsuit, you must take action to prevent RCS from receiving a favorable judgment.
When you get sued for a debt, you should receive the court documents known as the Summons and Complaint. The Summons is your official notifications of the lawsuit, outlining all the suit’s details and parties involved. The Complaint lists the specific claims that Reliant Capital Solutions is making against you.
You have to respond to the Summons and Complaint before your state’s deadline, or you run the risk of automatically losing the case by default judgment. If the court grants a default judgment, Reliant Capital Solutions is given the right to garnish your wages and even seize your property.
The following steps will help you beat Reliant Capital Solutions in court and avoid a default judgment:
Below, we will break down each of these steps in detail. If you don’t like reading, check out this video instead:
This section focuses on answering the particular complaints RCS has against you. The allegations will be listed in the Complaint document, and you should reply to each one in corresponding order with one of these three responses.
Admitting to all claims will work against you in court. Attorneys and debt counselors advise consumers to deny some claims to give RCS the task of proving their case.
Affirmative defenses are the reasons you give as to why you are not responsible for the debt or why you shouldn't pay it. The explanations can exempt you from paying the debt. Defenses you can include in your Answer document are:
If all these sound complicated, or you need assistance explaining yourself, SoloSuit can help you with our customizable Answer document form. Respond to a few questions online, and our software converts your responses to the right legal format and wording. You can customize your Answer document to fit the circumstance of your case, and then you’ll be ready to file it with the court.
Each state has a timeline for filing an Answer. Hence, ensure you mark the date you received the lawsuit and how many days you have to respond. After completing the document, make three copies and send one to the court and another to RCS lawyers. Keep the third copy on your records as evidence or for reference.
Now, let's look at an example of how to beat Reliant Capital Solutions in court.
Example: Jason is being sued by Reliant Capital Solutions for an old credit card debt in Ohio. He uses SoloSuit to draft his Answer document where he denies most of the claims and lists his affirmative defenses. After some investigating, Jason learns that the debt has passed the statute of limitations on debt in Ohio, which is six years. He lists this as one of his defenses in the Answer, and SoloSuit files the document for him. After a few weeks of waiting, Jason hears back from RCS about the case being dismissed.
Did you know you can avoid going to court even after being sued and filing an Answer? A SoloSettle is a tool that politely requests the collection agency settle out of court. It basically helps you from start to finish with the settlement process.
Most debt collectors, like Reliant Capital Solutions, are willing to settle for less than you originally owe. But you must make the payments you agreed to in the written settlement agreement. Use SoloSuit’s SoloSettle tool that helps you customize your settlement offer. Visit our resourceful website for further guidance.
To learn more about how to settle your debt, check out this video:
SoloSuit makes it easy to fight 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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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