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RS Clark and Associates Debt Collector Relief: Your Guide to Fighting Back

What is RS Clark and Associates?

RS Clark and Associates is a debt collection agency; they buy unpaid debts from creditors, then try to collect on those debts themselves. They’re known for using aggressive tactics – like incessant calls, threats of legal action, even contacting your employer or family members.Dealing with debt collectors is stressful enough; RS Clark takes it to another level. But you have rights – and there are steps you can take to make them back off. That’s where we come in.

Who Are We?

We’re the <a href=””>Spodek Law Group</a>, a team of tenacious lawyers dedicated to protecting consumers from harassment by debt collectors. Our number one priority? Getting RS Clark and others like them off your back.With over 50 years of combined experience, we’ve seen every dirty trick in the book – and we know how to fight back using federal laws like the Fair Debt Collection Practices Act (FDCPA). If RS Clark has violated your rights, <a href=”tel:212-210-1851″>give us a call at 212-210-1851</a>; we’ll make them pay.

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What Can We Do?

When you’re being harassed by a debt collector, it’s easy to feel powerless – but you’re not. Here are some of the ways we can help:

  • Send a cease and desist letter demanding they stop all contact
  • Force RS Clark to validate the debt and prove you actually owe it
  • Fight any lawsuits they file with aggressive defense tactics
  • Sue them for FDCPA violations and get compensated

We take an aggressive stance because that’s what it takes to get bullies like RS Clark off your back. And we don’t back down until they do.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act is a powerful federal law that protects consumers from abusive, deceptive debt collection tactics. It prohibits collectors like RS Clark from:

  • Calling before 8am or after 9pm
  • Contacting you at work if you’ve told them not to
  • Threatening violence or using profane language
  • Lying about the amount you owe or their authority
  • Discussing your debt with third parties

If RS Clark has done any of those things, they’ve violated the FDCPA – and you may be entitled to damages of up to $1,000, plus attorney fees. We’ll make sure they pay.

Common RS Clark Violations

RS Clark is known for some particularly egregious FDCPA violations, like:

  • Calling repeatedly with the intent to harass or abuse
  • Threatening legal action they can’t actually take
  • Failing to identify themselves as debt collectors
  • Continuing to call after you’ve requested they stop

If any of that sounds familiar, <a href=””>check out these Reddit threads</a> from others who have dealt with RS Clark’s shady practices. You’re not alone – and you don’t have to put up with it.

Debt Validation: Forcing Them to Prove It

One of the most powerful tools in your arsenal is the debt validation letter. Under the FDCPA, you can demand that RS Clark provide evidence that:

  1. You actually owe the debt
  2. The amount they’re trying to collect is correct
  3. They have the legal authority to collect the debt

If they can’t validate the debt by providing documentation like the original creditor agreement and account statements, they have to stop collection efforts immediately.It’s shocking how often debt collectors like RS Clark can’t actually back up their claims when pushed. By forcing debt validation, you can get them off your back for good – or at least buy yourself some time while they scramble to find proof.

Statute of Limitations on Debt

Another key defense is the statute of limitations on debts, which varies by state but is generally between 3-6 years for most types of consumer debt. If the debt is too old, RS Clark can’t sue you over it.Of course, they’ll rarely bring that up – <a href=””>it’s one of their favorite tricks</a> to try collecting on zombie debts that are legally uncollectible. We’ll make sure the statute of limitations is properly applied.

Bankruptcy: A Fresh Start

For many clients drowning in debt, bankruptcy is the best solution. It immediately stops all debt collection efforts with an automatic stay. And in a Chapter 7 bankruptcy, most debts like credit cards and medical bills are completely discharged.We know the idea of bankruptcy can be scary. But with our guidance, it can give you the fresh start you need to become debt-free and get RS Clark permanently off your back. During a free consultation, we’ll review your financial situation and advise if bankruptcy is the right path for you.

Credit Repair After Bankruptcy

Contrary to popular belief, bankruptcy isn’t a life sentence for your credit. By taking the right steps to rebuild your credit after bankruptcy, you can have great credit again in as little as 2-3 years.We’ll walk you through effective credit repair strategies like getting a secured credit card, becoming an authorized user, and aggressively disputing any incorrect negative items on your reports. Your financial future is bright with the right guidance.

How to Fight Debt Lawsuits

If RS Clark does file a debt collection lawsuit against you, don’t panic – but do take it seriously. Ignoring a summons can result in a default judgment, which allows collectors to garnish your wages or bank accounts.The good news? We can aggressively defend these lawsuits using strategies like:

  • Demanding strict proof of the debt and RS Clark’s authority
  • Asserting violations of the FDCPA and state debt collection laws
  • Challenging improper service or missed legal deadlines
  • Negotiating affordable settlements to resolve the case

We have a long track record of getting debt lawsuits dismissed or settled for pennies on the dollar. With us in your corner, you don’t have to live in fear of a debt lawsuit.

Suing RS Clark for Violations

When a debt collector like RS Clark repeatedly violates consumer protection laws, the best defense is a good offense – by suing them. Under the FDCPA, you can recover up to $1,000 in statutory damages, plus actual damages like emotional distress.Even better, the FDCPA allows for class action lawsuits against debt collectors who systematically violate the law. We’ve taken on many class actions, winning millions for consumers collectively harmed by abusive collection practices.By suing, you don’t just get compensation – you hold unscrupulous collectors accountable and deter future violations. It’s a win-win for consumers.

Finding the Right Debt Lawyer

With so many debt relief companies out there making big promises, how can you find the right lawyer to take on RS Clark? Here are some tips:

  • Look for experience specifically with FDCPA and debt collection harassment cases
  • Check online reviews from past clients on sites like <a href=””>Avvo</a><a href=””>LawInfo</a>, and <a href=””>FindLaw</a>
  • Ask about their strategy and track record against debt collectors like RS Clark
  • Make sure they offer free initial consultations to evaluate your case

At Spodek Law Group, we check all those boxes – and we’re ready to fight for you against RS Clark’s illegal harassment. <a href=”tel:212-210-1851″>Give us a call at 212-210-1851</a> to get started.

Why Choose Spodek Law Group?

So what makes us different from other debt lawyers? A few key things:

  • Our sole focus is consumer protection and fighting debt collectors
  • We take an aggressive, uncompromising approach to get results
  • Our attorneys have over 50 years’ combined debt collection defense experience
  • We’ve won millions for consumers in individual and class action cases
  • We’re available 24/7 to support you through this stressful process

When you hire us, you get a whole team of savvy litigators committed to your victory over RS Clark. We don’t settle for anything less than the best possible outcome for our clients.

Take Back Control

Being harassed by a ruthless debt collector like RS Clark is an incredibly stressful, demoralizing experience. But you don’t have to just take their abuse lying down. By knowing your rights and having the right legal team on your side, you can fight back and regain control.

Delancey Street is here for you

Our team is available always to help you. Regardless of whether you need advice, or just want to run a scenario by us. We take pride in the fact our team loves working with our clients - and truly cares about their financial and mental wellbeing.

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