Receiving a collection notice can feel stressful. We're here to help you understand your account, know your rights, and find a path to resolution that works for you.
No login required. Your personal link was included in your notice. Call us at (913) 948-6768.
RSH & Associates has been in business for 18 years, serving healthcare providers, businesses, and consumers across the country. We are a Kansas City-based firm built on a simple belief: every person deserves to be treated with dignity, especially when facing financial difficulty.
We work on behalf of the organizations that placed your account with us. But we work with you. Our goal is not to pressure or harass. We are here to help you find a resolution that works. Whether that means paying in full, settling, or arranging a payment plan, we want to help you move forward.
If you received a notice from us, your account was placed by a hospital, medical provider, utility, or other business. We are authorized to work with you on their behalf.
"We believe every person has worth as an individual. That belief shapes every conversation we have."
You have options. Choose what works best for your situation. No pressure, no judgment.
The fastest and easiest option. Use the personal link in your notice to access your account. No username or password required. Pay in full, choose a settlement discount, or set up a plan entirely online, any time of day.
Sometimes it helps to talk to a real person. Our team is here to answer questions, walk through your balance, explain settlement options, or set up a payment arrangement. We promise a respectful conversation.
(913) 948-6768
Monday – Friday, 8 AM – 5 PM CT
You can also contact us in writing to request validation of the debt, submit a dispute, or ask us to stop contact. Written requests give you a paper trail and are fully protected under federal law.
The Fair Debt Collection Practices Act (FDCPA) gives you powerful protections. Here is what the law guarantees you, in plain language.
The FDCPA is a federal law that protects consumers from abusive, unfair, and deceptive debt collection practices. These are not suggestions. They are legal requirements that RSH & Associates is bound by. If you believe we have violated any of these rights, you have the right to take legal action.
You can request written verification of the debt within 30 days of receiving our first notice. We must stop collection activity until we provide it.
If you believe the debt is not yours or the amount is wrong, you can dispute it in writing. We must investigate and respond before continuing collection.
You can send us a written request to stop contacting you. We must honor it. The underlying debt still exists and the original creditor may still contact you.
We may not contact you before 8 AM or after 9 PM in your time zone. We may not call you at work if you tell us your employer disapproves.
We are prohibited from using threats, obscene language, repeated calls intended to annoy, or any form of harassment. No exceptions.
We cannot misrepresent the amount owed, claim to be attorneys or government officials, or threaten legal action we do not intend to take.
If you have an attorney representing you, tell us. We must communicate only with your attorney and not contact you directly.
If we violate the FDCPA, you may sue us in state or federal court within one year of the violation, and may be entitled to actual and statutory damages.
ACA International, The Association of Credit and Collection Professionals
I believe every person has worth as an individual.
I believe every person should be treated with dignity and respect.
I will make it my personal responsibility to help consumers find ways to pay their just debts.
I will be professional and ethical.
I commit to honoring this pledge.
We are members of ACA International, the industry's leading professional association. The Collectors Pledge is not marketing language. It is a standard our team is held to, every day, in every call.
RSH & Associates was built on values that go beyond the bottom line. We believe the right way to recover revenue is to treat every consumer as a person, not an account number. That means honest communication, real options, and genuine respect for your situation.
If you feel that standard was not met in any interaction with us, we want to know. You can call us directly, submit a dispute, or file a complaint with the CFPB.
If your question isn't here, call us at (913) 948-6768. We are happy to help.
RSH & Associates is a licensed, third-party collection agency. A business or healthcare provider you have a balance with has hired us to assist in recovering that balance. We are authorized to work with you on their behalf to resolve the account.
You have the right to request written verification of any debt. Contact us and we will provide the name of the original creditor, the amount owed, and the account details. You can also look us up with the Kansas Secretary of State or contact the CFPB.
We offer several options. You can set up a payment plan, request a settlement for less than the full amount, or discuss hardship options. We want to work with you, not against you. Call us or use the payment portal to explore your options.
A settlement is an agreement to resolve your account by paying less than the full balance owed. When available, settlement options are shown in our notices and in the online payment portal. Settlements must typically be paid in a lump sum.
Collection accounts may be reported to credit bureaus. Resolving your account by paying in full, settling, or entering a payment arrangement is typically the first step toward improving your credit situation. Consult a credit counselor for personalized advice.
The statute of limitations on debt varies by state and debt type. In Kansas it is generally 5 years for written contracts. Even after the statute expires, you may still owe the debt. The statute simply limits the time a collector can sue. The CFPB has more information.
Disputes happen. If you believe you do not owe this debt, or the amount is incorrect, submit a written dispute within 30 days of our first notice. We are required by law to stop collection activity and investigate before we can continue.
Once payment is received and processed, we notify the original creditor. If the account was reported to credit bureaus, the status will be updated to reflect that it has been paid or settled. Receipts are available through the payment portal.
These independent resources can help you understand your rights, check your credit, or get free financial counseling at no cost to you.
The federal agency that enforces your rights under the FDCPA. File complaints, learn your rights, and access free tools for managing debt.
An educational resource built to help consumers understand debt collection, how it works, and what your options are at every step of the process.
You are entitled to one free credit report per year from each of the three major bureaus. Review your report and check for errors at the official site.
If you believe a debt is not yours, the amount is wrong, or you want to request validation, you can submit a written dispute. We will investigate and respond before taking any further action.
You can also submit a complaint to the Consumer Financial Protection Bureau at no cost.
Have a question about your account, a payment arrangement, or just need to talk to someone? Send us a message and we'll get back to you within one business day.
Phone: (913) 948-6768
Monday – Friday, 8 AM – 5 PM CT
Disputes should be submitted through the dispute portal so your account reference is captured.