Summary: The Rawlings Company commonly pursues medical debts on behalf of insurance companies and healthcare providers. It’s important to validate this debt to ensure it’s yours and to respond quickly to a debt collection lawsuit. SoloSuit can also help you reach a settlement to resolve your debt quickly.
Medical bills can be complex. If you’ve been contacted by the Rawlings Company, it’s likely that it is attempting to collect on a bill after partnering with your insurance or healthcare provider.
Your first goal should be to determine whether the debt is legitimate. From there, you can take steps to resolve your debt.
On its website, the Rawlings Company claims that letters are sent “to review paid medical claims information and determine whether another party may be financially responsible for resulting medical treatments.” But it may also be contacting you on behalf of an insurance or healthcare provider to collect an unpaid medical bill.
Ignoring letters or phone calls from Rawlings can only make the problem worse and may result in a lawsuit over unpaid medical debts.
As of October 2023, the company has received several customer complaints, according to the Better Business Bureau, most of which allege that the Rawlings Company contacts consumers about unsubstantiated medical claims — which is why it’s important to verify your debt before proceeding.
Respond to the Rawlings Company
If you’ve been contacted by the Rawlings Company, what should you do next? Here are some ways to assert your rights and respond to a potential lawsuit.
Know your rights
First, it’s important to remember that debt collectors are bound by the Fair Debt Collection Practices Act (FDCPA). This federal statute prevents debt collection agencies from practices that include the following:
Calling you several times per day.
Calling before 8 a.m. or after 9 p.m.
Threatening you with arrest if you don’t pay your debt.
Continuing to call you after you send a Cease and Desist Letter.
Declining to validate your debt.
Using vulgar, threatening, or offensive language.
Telling your friends, family members, or coworkers about your debt.
When the Rawlings Company is acting as a debt collector, it is bound by these legal standards. Violations can be reported to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You may also report them through the CFPB’s website or by calling 855-411-2372.
File an Answer to a lawsuit
It’s possible that the Rawlings Company may sue you for unpaid debt. You must respond to its claims in writing and file a legal Answer with the court. Your Answer expresses your intention to fight the lawsuit and serves as your initial response to the company’s claims.
Typically, you must file an Answer within two to four weeks. Failing to meet the deadline could result in a default judgment against you. And it’s possible for the Rawlings Company to request additional compensation to cover legal costs or debt collection fees.
Let’s look at an example.
Example: Caitlyn had been receiving phone calls from the Rawlings Company, but she dismissed it as a scam. That mistake almost cost her — since she soon received notification of a debt collection lawsuit. Thankfully, Caitlyn acted quickly and used SoloSuit to walk through the process of drafting a legal Answer. She communicated her intent to contest the lawsuit and filed her Answer with the court in the same week that she received the notice of the lawsuit. This prevented the court from rendering a default ruling and gave Caitlyn time to consider her next steps.
Request a Debt Validation Letter
How do you know if the debt is legitimate? You can request a Debt Validation Letter from the Rawlings Company. This letter should convey the following information:
The identity of your original creditor.
The total amount due.
Documentation that shows that the debt is yours.
The date of your last payment (if any).
The age of the debt.
A Debt Validation Letter may be particularly helpful for medical debt, as it will show you why you are obligated to pay the medical bill as opposed to an insurer.
The following video can answer any questions you have about a Debt Validation Letter:
Send a settlement letter
If the debt is not yours, you can contest the debt by demanding that the Rawlings Company provide documentation to the contrary. But if the debt is yours, you may be able to negotiate a settlement.
Open up negotiations by sending a Debt Lawsuit Settlement Letter. Your letter should provide a specific initial offer. It’s a good idea to start by agreeing to pay 60% of the total amount. The Rawlings Company may reject this initial offer, but it may also present a counteroffer.
Document everything. It’s not unusual for debt collectors to agree to a settlement, then pursue the lawsuit anyway in the hopes of a default judgment. Get your settlement agreement in writing to prevent this.
Additionally, make sure to save emails and other communications with the Rawlings Company to prove that you’ve reached a mutual agreement.
You can resolve your debt
Don’t let debt collectors send you into a panic. You can resolve this. SoloSuit can help. File an Answer quickly if you’ve been sued over your debt, or use SoloSettle to start the process of negotiating a settlement.
What is SoloSuit?
SoloSuit can help you respond to debt collectors at any stage of the debt collections process.
Our software can help you draft legal documents to respond to debt collectors when they come knocking. These documents, including a Debt Validation Letter, Debt Answer, and more, can help you stand up for your rights and get collectors off your back.
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.
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And 50% of our customers' cases have been dismissed in the past.
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