Reliant Capital Solutions: Who They Are and Your Rights

Type

Collection agency

Also known as

Reliant Capital Solutions, LLC; Reliant

Headquarters

Gahanna, OH

Collects

college and university balances, government accounts, healthcare bills, financial services accounts, commercial accounts

Phone numbers it lists

(866) 837-5096, (937) 600-3506

Website

reliantcapitalsolutions.com

426 debt collection complaints were sent to the Consumer Financial Protection Bureau about Reliant Capital Solutions, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Reliant Capital Solutions?

Reliant Capital Solutions, LLC says it was founded in 2007 and is "an accounts receivable management company headquartered in Columbus, Ohio." Its mailing address is 670 Cross Pointe Road in Gahanna, a Columbus suburb. The company describes itself as woman-owned and operated; its owner and chief executive is Margie Brickner. Its website lists NMLS #938848 and a Nevada collection agency license.

Why Reliant May Be Contacting You

Reliant collects for organizations rather than buying debt. Its website names five client groups:

• Higher education: public, private, for-profit and community colleges and state university systems. If you attended college, an unpaid tuition, fee or campus balance is one possible reason for contact.
• Government services: federal, state and municipal agencies.
• Healthcare providers.
• Financial services companies.
• Commercial (business-to-business) accounts.

Consumer testimonials posted on Reliant's site mention rehabilitating and consolidating student loans. Its contact page lists (866) 837-5096 and (937) 600-3506.

How to Check a Debt Reliant Says You Owe

The right questions depend on what kind of account Reliant is collecting, so start by identifying the creditor.

• Read the validation notice. It must name the creditor (the school, agency or company) and itemize the balance since an itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Dispute in writing within the validation period if something looks wrong.
• For a school balance, get the student account ledger. Ask the school's bursar's office for your ledger, and check for financial aid that was returned or never applied after a withdrawal.
• For a student loan, find out whether it's federal or private. Check StudentAid.gov. A defaulted federal student loan generally has no statute of limitations (20 U.S.C. § 1091a), and the government has collection tools a private lender lacks. Our update on federal student loan collections explains the current status.
• For other consumer debts, check the age. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue once that period has run (Tex. Fin. Code § 392.307). Other states set different limits, and debts owed to a government may follow different rules.

What Reliant Can and Can't Do

As a third-party agency collecting debts owed to others, Reliant is a "debt collector" under the FDCPA when it collects consumer debts (15 U.S.C. § 1692a(6)).

• It may not misrepresent what will happen if you don't pay, such as threatening arrest or a lawsuit that is not intended (15 U.S.C. § 1692e(4), (5)).
• It may not falsely imply it is a government agency, even when collecting for one (15 U.S.C. § 1692e(1), (9)).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)), and you can tell a collector to stop calling.
• Private collectors cannot garnish Texas wages for an ordinary consumer debt (Tex. Const. art. XVI, § 28). Defaulted federal student loans are a separate system: administrative wage garnishment there is ordered by the government, not by a private collector on its own.

If a Reliant collection crossed these lines, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Reliant Capital Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Reliant Capital Solutions: Who we are
• Reliant Capital Solutions: What we do
• Reliant Capital Solutions: Contact us
• 20 U.S.C. § 1091a (no limitation period for federal student loan collection) (Cornell LII)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Reliant Capital Solutions, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Reliant Capital Solutions has violated any law. Company details change; tell us if something here is out of date.