Who Is RS Clark And Associates? Why Are They Calling Me?
Most commonly for took or threatened to take negative or legal action
RS Clark And Associates is a debt collection agency or debt buyer, based on its listing in the CFPB complaint database — meaning it either collects debts on behalf of an original lender or bought old, charged-off accounts to try to collect them itself. If they've contacted you about a debt:
- They're generally required to send you something in writing within five days of first contact, and you have 30 days to dispute it — see debt validation request.
- Being contacted doesn't necessarily mean a lawsuit is coming, but collectors can and do sue over unpaid balances — check how long they can legally wait to sue in your state.
- If this is the first time they've reached out, see what to do the first time a collector contacts you.
- RS Clark And Associates's most common CFPB complaint issue has a direct next step — see what to do about it.
Questions & Answers
Is RS Clark And Associates a legitimate debt collector?
RS Clark And Associates shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop RS Clark And Associates from calling me?
Under the FDCPA, you can send RS Clark And Associates a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with RS Clark And Associates?
Send a written debt validation request within 30 days of first contact — the collector must then verify the debt before continuing collection. Use the debt validation letter tool to generate one.
— US Debt Compass Editorial Team
Is RS Clark And Associates on my credit report?
If RS Clark And Associates is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team