Summary: RSI Enterprises is not a scam, but rather a legit debt collection agency that may contact you if you owe someone a debt. Luckily, laws protect you, and you can request a debt validation to cease communications with RSI Enterprises. If your debt is valid, debt settlement might be your next best option.
Dealing with debt collection agencies is never pleasant. Annoying phone calls and threatening letters can take their toll on even the most unflappable people, resulting in unnecessary stress and anxiety. Fortunately, you can take action to halt debt collection activities and get back to normalcy.
If RSI Enterprises is the instigator of your debt collection letters, you’ll want to understand the company’s process and the rights available to you before you take action. In this blog, we will provide you with the information you need to move forward.
Unfortunately, the world is full of scammers, and some of them want to get between you and your pocketbook in any way possible. Debt collection fraud is an easy way to do that since most consumers are scared of collection agencies and don’t want any harm to their credit.
However, RSI Enterprises is not a scam; it is a legitimate debt collection agency. It works with clients across various industries to collect consumer debts. More specifically, RSI Enterprises collects for government agencies, financial institutions, and healthcare facilities. The agency is also accredited by the The Better Business Bureau (BBB), and holds a current rating of A+.
RSI Enterprises reviews
Despite its positive rating, the BBB and Consumer Financial Protection Bureau have both received dozens of complaints against RSI Enterprises. Most allege that the company engages in unfair debt collection practices, like repetitive daily calls and asking invasive questions without telling the consumer they’re being recorded.
Ask RSI Enterprises to validate your debt
If you receive a letter from RSI Enterprises, read over it carefully. Don’t assume that it’s a fake or that you don’t owe any money. Instead, see if you recognize the original creditor and the amount due. But don’t make any arrangements to pay it yet. Instead, send RSI Enterprises a Debt Validation Letter.
A Debt Validation Letter allows you to verify the credentials of a collection agency before sending any money. Since most consumers aren’t in regular contact with debt collectors — and there are so many in the country — you want to know that the company contacting you has a legitimate claim to the money owed.
The Fair Debt Collection Practices Act (FDCPA) gives consumers 30 days after the initial communication from a collection agency to request debt validation. While you can still request debt validation after 30 days, collection agencies can make adverse reports to credit bureaus after that deadline has passed.
In your Debt Validation Letter, ask RSI Enterprises to substantiate its claims by asking for the following:
The name of the original creditor and the amount owed.
The age of the debt and whether it’s past your state’s statute of limitations.
The agency’s debt collection license number for your state.
The last transaction on your account.
Proof that RSI Enterprises now owns the debt or has been assigned to collect it.
After receiving your letter, RSI Enterprises must provide you with the requested information. If it can’t, you’re unlikely to hear from it again. However, watch your credit report to ensure RSI Enterprises doesn’t make any adverse reports you’ll want to dispute.
Here is the RSI Enterprises phone number and address, as well as other contact information:
Arizona Phone: 800-774-4003
Arizona Address: 5440 W. Northern Avenue, Glendale, AZ 85301
Washington DC Phone: 800-774-2455
Washington DC Address: 13921 Park Center Road, Suite 120, Herndon, VA 20171
If RSI Enterprises responds with the details you asked for, you can try to set up a payment arrangement. Other options include paying the debt in full or trying to settle it.
I didn’t do anything to resolve the debt, and now RSI Enterprises is suing me
No action from you isn’t likely to make RSI Enterprises disappear into thin air. Instead, it may take the next step — a debt lawsuit.
In a debt lawsuit, a creditor or collection agency tries to obtain a judgment on your account through the courts, which it can use to garnish your wages or take money from your bank account. A judgment becomes part of your record, and other lenders and employers can find it if they look.
Act swiftly before your court date to avoid a judgment. Your two options are repaying the entire debt or trying to settle it. Repaying the debt stops all legal activity against you. RSI Enterprises won’t be able to sue you since you no longer have an outstanding debt. Settling is the next best choice if you don’t have the money to repay the debt.
A debt settlement requires you to pay a portion of the debt in a single lump sum. You’ll need to call up RSI Enterprises and ask if they’d accept a partial payment from you in exchange for dropping the lawsuit and forgiving the remaining amount you owe. The more you offer, the more likely they are to accept.
Let’s consider an example.
Example: Ron used his credit card to buy a new wand with a special phoenix feather. He’s hoping it will help him and his friend Harry win the upcoming Quidditch match. Unfortunately, Ron overspent his monthly allowance and quit making payments on his credit card. RSI Enterprises buys his debt, and it’s trying to sue him in Hogwarts Court. Ron decides to offer RSI Enterprises a settlement of $500 for his $1,000 bill. RSI Enterprises tells Ron it will accept $600 to drop the lawsuit and forgive the remaining amount. Ron agrees and sends the money.
To learn more about how to settle your debt, check out this 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.
The best way to resolve debt with RSI Enterprises is to communicate
All too often, consumers are fearful of collection agencies and don’t take any action to address their debts. That’s a mistake that can lead to even worse consequences. Ask RSI Enterprises to validate your debt instead of allowing the matter to fester. Then, you can set up a payment arrangement, pay off the obligation in full, or attempt to settle it.
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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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.
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.
And 50% of our customers' cases have been dismissed in the past.
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