George Simons | October 20, 2022
Summary: RSIEH is a debt collection law firm that specializes in purchasing old debt accounts and collecting on them. If you get sued by RSIEH, you must respond within 35 days (depending on where you live) or you will automatically lose. Use SoloSuit to draft and file your Answer to the case in minutes.
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.
In this article, we’ll explain everything you should know about RSIEH, how to respond to a debt collection lawsuit, and how to increase your chances of winning your case.
RSIEH is an LLC law firm. Commonly known as Rausch Sturm, RSIEH stands for Raush, Sturm, Israel, Enerson and Hornik. Below is RSIEH’s contact information:
Rausch Sturm LLP
250 N. Sunnyslope Road
Brookfield, WI 53005
Although this company presents itself as a brand that helps people that fall behind on their debts, they act as a buyer of debt primarily. In addition, RSIEH LLC performs debt collection work, representing financial institutions and creditors for the last 40 years. So, RSIEH is a debt collection law firm that specializes in both purchasing old debts from creditors.
If you have received a letter from RSIEH, it means that a bank or creditor has stated you owe a debt. If you get sued by RSIEH, knowing your rights will help you protect yourself from any unfair collection practices.
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.
Under the FDCPA, debt collectors cannot:
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.
If you feel like you’ve been treated unfairly by RSIEH, you’re not alone.
As of 2022, the Better Business Bureau has received 85 complaints against Rausch Sturm in the most recent three-year period. Similarly, the Consumer Financial Protection Bureau reported 165 complaints against RSIEH in the last ten years.
Many of these complaints illustrate examples of RSIEH violating the FDCPA. Let’s take a look at a real complaint from Rausch Sturm’s BBB profile (edited for clarity):
"I had a debt that my job was served garnishment papers for. I was told if I paid in full the garnishment would be stopped. I immediately called Rausch Sturm and paid them in full on 9/15/22. To this day I cannot even get them to follow through with their offer to email me that the account was paid. Each time I called, and I called daily, I was told different statuses of my account. Spoke to a supervisor who lied and said he gave me phone numbers to speak to the "garnishment team" and it ended up being yet another representative who promised to send an email. You cant speak to anyone but representatives and they don't speak to you like an adult. They tell you things to get you off the phone. I even asked to speak to the attorney who would be signing off on the Satisfaction of Judgement paperwork and they said someone would call me back. I want the garnishment halted immediately and an email and fax to myself and my payroll.”
Like we said before, if you have been treated unfairly and unlawfully by RSIEH, you should report it immediately. When RSIEH sues you for a debt, use your new-found knowledge to respond to the lawsuit and beat them in court.
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.
You should submit a formal debt verification request to force RSIEH that they have the right to collect the debt and that the amount in question is accurate. You can request a debt verification by sending a Debt Validation Letter to RSIEH.
If you send the letter within 30 days of getting the debt notice, then they are legally obligated to 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.”
Now, let's consider an example.
Example: Freddy receives several letters, calls, and emails from RSIEH claiming that he owes a debt. Freddy isn't familiar with the debt amount, and he wonders if it's even real at all. After doing some research online, Freday uses SoloSuit to send a Debt Validation Letter to RSIEH. It turns out, RSIEH was trying to contact the wrong person, and when they couldn't validate the debt, they stopped contacting Freddy.
If RSIEH is able to verify the debt is yours and accurate, then there is a chance they will take you to court to force you to pay it off. When you get sued by a debt collector like Rausch Sturm, the first step to beating them in court is to respond.
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.
When RSIEH sues you, you should receive the court documents in the mail known as the Summons and Complaint. The Summons notifies you of the lawsuit, and the Complaint lists the specific claims that RSIEH is making against you.
You need to respond to the Summons and Complaint with a written Answer before your state’s deadline, otherwise you run the risk of losing the case by default. With a default judgment, RSIEH can garnish your wages and put liens on your property. You can avoid a default judgment by responding. Here’s how.
Follow these three steps when you draft an Answer to a Rausch Sturm lawsuit:
Learn more about these three steps in 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.
"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
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
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.
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:
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.
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.
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.