RSH & Associates: Who They Are and Your Rights

Type

Collection agency

Also known as

RSH & Associates, LLC

Headquarters

Lenexa, KS

Phone numbers it lists

(888) 774-6750, (913) 948-6750

29 debt collection complaints were sent to the Consumer Financial Protection Bureau about RSH & Associates, 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 RSH & Associates?

RSH & Associates, LLC is a limited liability company in the accounts receivable management (collections) business. Its Better Business Bureau profile gives a mailing address of PO Box 14515, Lenexa, KS 66285, says the company was formed on March 14, 2008, and names Chris Nelson as president. The profile lists (888) 774-6750 as the main phone number and (913) 948-6750 as another.

We could not load a working company website when we checked, so this profile relies on the BBB listing for basic facts. We did not find a CFPB enforcement action against RSH & Associates.

Why RSH & Associates May Be Contacting You

We could not verify which creditors or industries RSH & Associates collects for. A letter or call from it means some creditor has placed an account with it for collection, or it has acquired the account. The first letter you receive should tell you the name of the creditor to whom the debt is owed, and that is the starting point for figuring out what the account is.

If you can't connect the letter to any bill you remember, verify it before paying, and compare the phone number and address with the ones above.

How to Check a Debt RSH & Associates Says You Owe

With a collector you know little about, the paper trail is your protection. Before you pay or give out bank information:

• Insist on the validation notice. It must name the current creditor, list the balance as of a specific itemization date, and explain how to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if you don't recognize the debt. RSH & Associates must then stop collecting until it mails you verification. Keep a copy and proof of mailing.
• Ask whether RSH owns the account or collects for someone else, and get the name of the original creditor and your original account number.
• Put any payment arrangement in writing. If you agree to pay, get the terms on paper, including the dates and amounts of any automatic withdrawals, before you authorize them.
• Check the age of the debt. In Texas, suits on most consumer debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Kansas and other states have their own periods.

What RSH & Associates Can and Can't Do

A company that collects debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), and a company that buys debts and collects them as its main business is one too (see Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), and the principal-purpose prong of § 1692a(6)). Either way:

• It may not take a payment from your bank account on a date or in an amount you didn't authorize (15 U.S.C. § 1692f).
• It may not deposit a postdated check early or threaten to do so (15 U.S.C. § 1692f(4)).
• It cannot call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• If you tell it in writing to stop contacting you, it must stop, apart from limited notices (15 U.S.C. § 1692c(c)). See stopping collector calls.

If RSH & Associates' collection seemed improper, 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 RSH & 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

• BBB business profile: RSH & Associates, LLC
• CFPB enforcement actions list (checked pages 1-17)
• CFPB Consumer Complaint Database: RSH & Associates, LLC, debt collection

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