RS Clark and Associates, Inc. is a full-service collection agency based in Dallas, Texas, that also runs insurance billing and early-out programs for client companies. If it contacts you, it is collecting an account a client placed with it.
- Type
- Collection agency
- Also known as
- RS Clark and Associates, Inc.; R.S. Clark
- Headquarters
- Dallas, TX
- Phone numbers it lists
- (877) 532-6133
- Website
- rsclark.com
273 debt collection complaints were sent to the Consumer Financial Protection Bureau about RS Clark and Associates, Inc. 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 RS Clark and Associates?
RS Clark and Associates, Inc. is a collection agency with its office at 12990 Pandora in Dallas, Texas, according to its website. The company says it has been "servicing National Clients for over 20 years" and offers full-service collections, early-out collections, and a dedicated insurance billing department. It markets itself to clients on a contingency model ("If We Don't Collect – You Don't Pay"). Its website does not give a founding year or ownership details.
Why RS Clark and Associates May Be Contacting You
RS Clark's website does not name its clients or list the industries it serves. Two of its services offer a hint, though. "Early out" programs usually mean the agency contacts you soon after a bill goes unpaid, sometimes under the client's own name, before the account is treated as bad debt. An "insurance billing department" suggests some clients have accounts where insurance may cover part of the charge. If RS Clark contacts you, the notice should tell you which company the account belongs to; that is your starting point.
How to Check a Debt RS Clark and Associates Says You Owe
- Ask whether the account is still with the original creditor. In early-out programs the client often still owns the balance and may still be able to bill insurance or set up a payment plan directly.
- Use the validation notice. RS Clark must provide the creditor's name, an itemization and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing on time. A written dispute within the validation period stops collection until RS Clark verifies. If insurance should have paid, say so and ask for a claim history.
- Check the amount. Match the balance to your bills, receipts and any explanation of benefits.
- Know the deadline to sue. Texas generally applies a four-year limitations period to consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states use their own periods.
What RS Clark and Associates Can and Can't Do
An agency that regularly collects debts owed to other businesses is a "debt collector" under 15 U.S.C. § 1692a(6), and RS Clark is also subject to the Texas Debt Collection Act. Specifically:
- It must identify itself as a debt collector in its communications.
- It may not threaten a lawsuit, credit reporting or other action it does not intend to take.
- It may not call more than seven times in seven days about a debt without a presumption of a violation (12 C.F.R. § 1006.14(b)(2)).
- For medical accounts, Texas requires many providers to send an itemized bill before pursuing collection; see our S.B. 490 update.
We did not find a CFPB enforcement action against RS Clark and Associates. If you have concerns about how it has contacted you, our Texas FDCPA attorneys page explains your options.
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 RS Clark and Associates 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
- RS Clark and Associates: home page
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: RS Clark and Associates, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that RS Clark and Associates has violated any law. Company details change; tell us if something here is out of date.