RSH & Associates Debt Collection Harassment? Stop the Calls!

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Getting a debt collection call can feel stressful, especially when the company’s branding sounds friendly or “compassionate,” but the experience doesn’t match that tone. RSH & Associates, LLC, based in Lenexa, Kansas, presents itself as an ethical, relationship-focused, family-owned collection agency, but consumers still report issues such as incorrect debt claims, aggressive contact, unauthorized withdrawals, threats of public disclosure, and credit reporting disputes.

At Consumer Rights Law Firm PLLC, we’ve handled debt collection harassment matters since 2010 and hold an A+ BBB rating. This guide explains what’s really behind RSH & Associates’ collection activity and what steps you can take if the calls or letters feel inaccurate or unfair.

What Is RSH & Associates?

RSH & Associates, LLC is a legitimate, registered debt collection agency based in Lenexa, Kansas, not a phone scam. It collects or purchases overdue accounts from original creditors and contacts consumers to recover those balances. However, legitimacy only confirms it is a real company, it does not automatically mean every collection action or credit report entry is accurate or compliant with the law.

The company was founded in March 2008 by Randall Hairgrove and operates through rshcollects.com and RSH and Associates LLC. It presents itself as an “Accounts Receivable Management Company” focused on compassionate and ethical collection practices and on maintaining relationships between businesses and consumers, although consumers have still raised disputes and complaints regarding its collection and reporting practices. In our practice, when a collector’s website leans this heavily on empathy language, we look closely at the complaint record because the reality consumers describe often reads very differently.

View BBB Profile for RSH & Associates

What Industries Does RSH & Associates Collect For?

RSH & Associates markets itself to both healthcare providers and business-to-consumer (B2C) companies, meaning the debt they’re calling about could originate from a surprisingly wide range of industries. Based on their website, complaint records, and court filings, they collect for:

Healthcare / Medical providers (hospital bills, outpatient facilities, assisted living and residential care facilities)
Property management and rental companies
Retail and general consumer creditors
Service-based businesses (utilities, contractors)

RSH collects across multiple industries, which often leads to confusion because consumers do not recognize the company name or link it to their original bill. When an account is transferred without clear notice, the first contact can feel unexpected or misleading, especially if the original creditor’s name is missing. This lack of clarity is a common source of disputes and misunderstanding. In our practice, the most common cases involve medical debt where consumers believed insurance had already covered the bill or never received a clear final statement before collections began. If you are unsure what the debt relates to, you have the right under the FDCPA to request written verification before making any payment.

Why Is RSH & Associates Calling Me?

RSH & Associates is calling you because a creditor most likely a medical provider, property management company, or consumer service business has placed your account with them for collection or sold the debt to them outright. That distinction matters. If RSH purchased the debt, they paid a fraction of the face value for it and now profit from whatever they can collect which means their financial incentive runs hotter than a standard third-party collector’s commission.

There are several specific reasons why RSH may be contacting you:

You may recognize the debt but still have the right to verify the amount, dispute errors, and request validation before paying.
The balance may be inaccurate or inflated due to added fees, insurance issues, or mismatches with the original creditor’s records.
You may be the wrong person due to identity mix-ups or outdated skip-tracing data, as seen in cases like the Kaszko lawsuit.
The debt may be time-barred; in Kansas, most written contract debts have a five-year statute of limitations, and old debts may no longer be legally enforceable.
The account may belong to a deceased family member, and relatives are not automatically responsible for paying the debt without legal confirmation.

What Do BBB Complaints Against RSH & Associates Actually Say?

The BBB complaint record for RSH & Associates is notably thin, just one complaint closed in the last three years which at first glance appears to be a positive sign. But a low BBB complaint count can also reflect the fact that many consumers don’t know that filing a BBB complaint is an option, particularly for a collector that operates primarily by phone and mail. What the one documented BBB complaint does reveal is instructive about how RSH handles disputed accounts.

View RSH & Associates BBB Complaints

In a June 2023 BBB complaint, a consumer disputed a debt and requested the original contract, but RSH did not provide clear documentation and instead referenced multiple unrelated accounts and offered a settlement if 70% was paid within 30 days, without resolving the validation request.
Reported patterns also include alleged unauthorized withdrawals described as “balloon payment plans,” which may raise issues under the EFTA and FDCPA if payments were taken without clear consent.
Consumers have also reported false or unverified credit reporting, including small balances they say they do not owe. In our practice, we always begin with a formal dispute to the credit bureaus and a written validation request to RSH at the same time.

Consumer Reviews and Platform Reports

Beyond the BBB, consumers have also shared experiences with RSH & Associates on sites like Ripoff Report and 800notes, where recurring complaints often conflict with the company’s “ethical practices” branding.

Some Ripoff Report users describe RSH pursuing debts that were allegedly already paid or covered by insurance, with confusion increasing when representatives gave inconsistent explanations when asked for clarification. On 800notes, users have identified numbers like (866) 751-3158 as RSH & Associates, reporting repeated calls about medical bills they believed were already resolved, followed in some cases by continued credit reporting despite disputes.

These situations raise potential legal concerns, including inaccurate credit reporting under the FCRA and misleading collection conduct under FDCPA provisions. In our practice, we review whether the account was properly verified before reporting and whether a formal dispute to the credit bureaus was filed alongside a written validation request.

Some consumers have also reported aggressive or threatening language during calls, including statements about public disclosure of debts, which, if accurate may violate FDCPA protections against harassment and deceptive practices.

Has RSH & Associates Been Sued?

Yes. RSH & Associates has been named in multiple federal court actions alleging violations of the Fair Debt Collection Practices Act. The volume of litigation is modest compared to larger national collectors, but the cases that exist reveal recurring issues: misidentified debtors, failure to properly validate debts, and collection tactics that crossed legal boundaries.

Case 1: Kaszko v. RSH & Associates LLC et al.

Case Name: Jason Lee Kaszko v. RSH & Associates, LLC et al. Case Number: 2:22-cv-02316 Court: U.S. District Court for the District of Kansas Filed: 2022 Claims Alleged: FDCPA violations; FCRA violations (inaccurate credit reporting) Outcome: RSH’s Motion for Summary Judgment was filed July 6, 2023 and overruled by the court meaning the case survived RSH’s attempt to dismiss it

What Happened: Tutera Senior Living sent RSH a spreadsheet listing a $3,686.75 balance for Jason Kaszko as guarantor. Kaszko disputed the debt, arguing he was not responsible. RSH tried to rely on a “good faith” defense, but the court found it had not actually verified his liability before starting collection, only relied on client data. The court rejected RSH’s motion, reinforcing that assumptions are not enough under the FDCPA.

In our practice, this reflects a common issue where collectors act on client-provided data without independent verification. If RSH contacts you about a debt you don’t recognize, it may be worth challenging the accuracy and demanding validation.

View Case 2:22-cv-02316 on GovInfo

Case 2: Missouri Consumer v. RSH & Associates, LLC

Case Number: 4:13-cv-00959-BCW Court: U.S. District Court for the Western District of Missouri, Western Division Filed: 2013 Claims Alleged: FDCPA violations, failure to identify as a debt collector; failure to provide validation notice within five days; calls to consumer’s workplace

What Happened: In a 2013 Missouri case, RSH allegedly threatened legal action during a call without identifying itself as a debt collector, and the consumer did not receive the required written validation notice. The consumer also claimed RSH contacted her at work despite employer restrictions on personal calls. These allegations involved potential violations of FDCPA disclosure, validation, and workplace contact rules.

In our practice, this type of situation often creates confusion because consumers assume the caller is legitimate or even a scam. When a collector fails to clearly identify itself and skips

What Calling Tactics Has RSH & Associates Used?

Based on documented complaints and federal court records, here are the specific collection tactics consumers have reported from RSH & Associates:

Unauthorized account withdrawals: Consumers report RSH debiting bank accounts without clear authorization, sometimes labeling it as a payment plan the consumer did not agree to. This may raise issues under FDCPA § 808 and the Electronic Fund Transfer Act, which requires written authorization for recurring withdrawals.
Threats of legal action and public shaming: Some consumers report threats of immediate lawsuits or publishing names in newspapers. FDCPA § 807 prohibits false threats of legal action, and § 806 prohibits harassment or abusive conduct intended to pressure or embarrass consumers.
Failure to identify as a debt collector: A 2013 Missouri case alleged an RSH representative did not disclose that the call was for debt collection, violating FDCPA § 807(11), which requires clear identification in every communication.
Inaccurate and post-payment credit reporting: Consumers report continued negative reporting even after payment or dispute. Under the FCRA, furnishers must investigate and correct inaccurate information, and failing to update or remove incorrect data may be a violation.
Calls to place of employment: The Missouri case also alleged workplace calls despite employer restrictions. FDCPA § 805(a)(3) prohibits contacting consumers at work when the collector knows or should know such calls are not allowed.

What Are Your Rights Against RSH & Associates?

Fair Debt Collection Practices Act (FDCPA)

The Fair Debt Collection Practices Act (FDCPA) is your primary federal protection against collector misconduct. Under the FDCPA, RSH & Associates:

Cannot call you more than 7 times within 7 consecutive days about a specific debt (or within 7 days of a conversation)
Cannot call before 8:00 AM or after 9:00 PM in your local time zone
Must send a written validation notice within 5 days of initial contact, including the amount owed, the creditor’s name, and your 30-day dispute rights
Must cease collection activity if you dispute the debt in writing within 30 days — until they verify it
Must stop all contact if you send a written cease-and-desist letter (after which they may only contact you to confirm they’re stopping or to advise you of a specific action)
Cannot threaten legal action they don’t actually intend to take
Cannot use false or misleading representations about the debt, your legal status, or the consequences of nonpayment
Cannot call you at work if they know your employer prohibits personal calls

If RSH violates any of these provisions, you may be entitled to up to $1,000 in statutory damages per lawsuit, actual damages (lost wages, emotional distress, medical costs), and attorney’s fees — meaning our firm handles these cases at no cost to you. The FDCPA’s fee-shifting provision requires the collector to pay your attorneys when they lose.

Telephone Consumer Protection Act (TCPA)

The Telephone Consumer Protection Act (TCPA) governs any calls made with an automatic telephone dialing system (auto-dialer) or prerecorded voice to your cell phone. RSH must have your prior express written consent to use these methods to contact your mobile number. If they’re calling your cell phone with robocall technology without consent — or continuing to call after you’ve revoked consent — each individual call can result in damages of $500 to $1,500. If the violation was willful, judges can triple the award.

Fair Credit Reporting Act (FCRA)

If RSH has placed a collection entry on your credit report, the Fair Credit Reporting Act (FCRA) governs both their reporting obligations and your right to dispute. Key protections include: the collection entry cannot remain on your report for more than 7 years from the original date of delinquency; if you dispute the entry, both the credit bureau and RSH as the furnisher must investigate within 30 days and correct or delete inaccurate information; and RSH cannot re-report a debt as current after it’s been disputed unless they’ve verified its accuracy.

Kansas Consumer Protection Act (KCPA)

Because RSH & Associates is incorporated and headquartered in Kansas, the Kansas Consumer Protection Act, K.S.A. § 50-623 et seq. provides an additional layer of protection for Kansas consumers. The KCPA prohibits deceptive and unconscionable acts in the collection of debts and allows consumers to pursue a private right of action for violations. Unlike the FDCPA, which applies nationwide, the KCPA specifically covers the jurisdiction where RSH operates and can provide overlapping damages in egregious cases.

How to Stop RSH & Associates From Calling You?

Step 1: Document Every Contact

Before you do anything else, build your evidence file. Screenshot your incoming call log with dates, times, and the phone numbers RSH used. Save every voicemail, automated or live-agent. Note whether each call started with a pause or dead air before a human voice, which is a hallmark of auto-dialer technology. Flag any calls that came before 8:00 AM or after 9:00 PM. What our clients tell us is that the documentation they wish they had started keeping was from the very first call, every record matters when calculating statutory damages.

Step 2: Send a Cease-and-Desist Letter

A written cease-and-desist letter is one of the most powerful tools you have under the FDCPA. Send it via certified mail with return receipt to RSH & Associates at:

RSH & Associates, LLC P.O. Box 14515 Lenexa, KS 66285-4515

Once RSH receives that letter and you have proof of delivery, every subsequent call they make becomes an independent FDCPA violation. Do not call to confirm receipt. Certified mail with return receipt is your documentation.

Step 3: Send a Debt Validation Request

If RSH contacted you within the last 30 days, you are within the window to demand written debt validation under FDCPA § 809(b). This requires RSH to stop collection activity including credit reporting until they send you verification of the debt from the original creditor. Send this in writing, certified mail, at the same time as your cease-and-desist. Any collection contact after they receive a written dispute is an independent violation.

Step 4: File Complaints

File formal complaints with the following agencies:

FTC
FCC
BBB
Kansas Attorney General’s Office

Step 5: Contact Consumer Rights Law Firm PLLC

If RSH has threatened you, called you repeatedly, reported inaccurate information to the credit bureaus, withdrawn funds without authorization, or contacted you after you asked them to stop, you may have a viable federal case that costs you nothing to pursue. Call us at (877) 700-5790 or start your free case review online today.

We take FDCPA, TCPA, and FCRA cases on a contingency basis, no upfront cost, no fees unless we recover for you. Under the FDCPA’s fee-shifting provision, when a collector violates the law, they pay your attorney fees. That means our firm’s incentive is perfectly aligned with yours: we succeed when you do.

Violations that typically qualify include unauthorized account withdrawals, threats of arrest or illegal legal action, robocalls to your cell without consent, calls after a written cease-and-desist, reporting a debt you’ve disputed without verification, and calling you at work after you’ve told them to stop.

Consumer Rights Law Firm, PLLC

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the RSH & Associates harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from RSH & Associates call us at (877)700-5790 for immediate assistance or visit our website.

Success Stories

I cannot thank this lawfirm enough for relieving the burden off of my shoulders. Matthew was absolutely amazing and all I had to do was make a singular call and he got it done immediately. Their professionalism and dedication were the key factors of my immediate trust with them. I am nothing more but grateful that this lawfirm will take in each and every single case. If it weren’t for them I wouldn’t be leaving this review today.
Matthew was unbelievably helpful and made me feel so much better about my situation. And he helped me get rid of four of my outstanding debtors which helped relieve my load so much. i highly recommend working with this firm as they definitely have your interests first and foremost.
They worked quickly to not only get the account removed from my credit report, but also get me a settlement on top of that. Of course, this was my personal result – yours may differ. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.

FAQS

1. How can Consumer Rights Law Firm PLLC assist with RSH & Associates?
Consumer Rights Law Firm PLLC helps stop RSH & Associates phone harassment, protects your rights under the FDCPA, and can help you receive compensation for illegal collection tactics, including multiple daily calls or threats.

2. How to stop harassing phone calls from debt collectors?
You can stop harassing calls by sending a written cease-and-desist notice, documenting all calls, and contacting a consumer law attorney to enforce your rights under the FDCPA or TCPA.

3. How to stop harassment from a collection agency?
Harassment can be stopped by knowing your legal rights, notifying the agency to cease contact, and involving an attorney to ensure they follow federal and state debt collection laws.

4. How do you stop a collection agency from calling you?
Document calls, request in writing that they stop contacting you, and if they continue, hire an attorney to pursue damages for violations of the FDCPA or similar consumer protection laws.

5. What happens if I ignore calls from a debt collector?
Ignoring calls doesn’t eliminate the debt. Collectors may escalate to lawsuits or wage garnishment if legally allowed, but they cannot harass you beyond FDCPA rules. Legal counsel can help manage these risks.

6. Is RSH & Associates a scam?
No, RSH & Associates has been in business for 11 years. Complaints exist, but it is a legitimate third-party debt collector operating under federal and state laws.

7. Can RSH & Associates garnish my wages?
Yes, if they obtain a court judgment or the debt is a federal student loan, RSH can legally garnish wages. Outside these circumstances, wage garnishment requires legal approval.

8. Can RSH & Associates sue me?
Yes, RSH can sue if the debt is within the statute of limitations. You have rights to dispute the debt, and an attorney can represent you to stop unlawful harassment or negotiate settlements.

9. Can RSH & Associates report my debt to credit bureaus?
Yes, debt collectors like RSH are allowed to report accounts to credit bureaus, which may affect your credit score. Disputes or errors can be challenged legally.

10. Can RSH & Associates arrest me?
No, debt collectors cannot arrest you. Only courts can issue warrants if you violate court orders, such as failing to appear in a debt-related case. Debts alone don’t allow arrest.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.

Disclaimer: The information contained in these articles is provided for general informational and educational purposes only and should not be construed as legal advice. Reading or relying on this content does not create an attorney-client relationship with our firm. Because every legal matter is unique, you should consult a qualified attorney regarding your specific circumstances before making any legal decisions.