Rash Curtis & Associates: Know Your Rights and Stop Phone Harassment

If Rash Curtis & Associates is frequently calling, threatening legal action, or demanding payments without proof, you need to know—you do not have to tolerate harassment. Debt collectors must obey laws that protect consumers. This article walks you through what harassment looks like, what protections you hold, and how to make the calls stop.

Who Are Rash Curtis & Associates?

Rash Curtis & Associates is a debt collection firm that contacts individuals to recover overdue accounts on behalf of creditors. These can include credit card debt, medical bills, service debts, or other obligations. Once a debt is passed to them, any communication they make must follow rules designed to prevent abuse and protect your rights.

What Behavior May Be Harassing?

While collection calls are sometimes legitimate, certain behaviors cross the line into illegal harassment. Red flags include:

• Calling repeatedly in one day or over many days without new information or context

• Calling you during early morning or late evening hours

• Using threats of lawsuits, wage garnishment, or arrest without legal basis

• Revealing your debt or its details to family, friends, or your employer

• Calling you at your place of work after you’ve requested they stop

• Refusing to validate the debt or supply documentation upon request

• Continuing collection efforts after you formally dispute the debt

If Rash Curtis & Associates is doing one or more of these things, they may be violating your consumer protection rights.

Your Rights Under Federal Law

Fair Debt Collection Practices Act (FDCPA)

The FDCPA affords you legal safeguards against abusive collection practices. Key rights include:

• Right to debt validation — You may request written proof that the debt is legitimate, including the original creditor, account statements, and chain of assignment.

• Limits on contact hours — Collectors may not call you before 8 a.m. or after 9 p.m. (local time), unless you’ve agreed otherwise.

• Cease & desist rights — You can demand they stop contacting you, except for required legal notices. After receiving your demand, further harassment may be grounds for a lawsuit.

• No harassment or threats — Using abusive or excessive calls meant to intimidate is prohibited. Misrepresenting legal consequences is also unlawful.

• Pause during dispute — If you dispute the debt in writing, collection efforts must pause until they validate the debt.

If Rash Curtis & Associates violates these protections, you may be able to seek damages, legal costs, and attorney’s fees.

Steps You Can Take Immediately

1. Document everything — Keep detailed logs of all interactions: date, time, phone number, name of collector, and what was said. Save voicemails, texts, emails, and letters.

2. Send a written validation request — Ask Rash Curtis & Associates to provide proof of the debt. Do not concede or admit the debt—simply demand documentation.

3. Issue a cease-and-desist notice — If calls continue, send a letter telling them to stop contacting you except for legal notices. Once they receive it, further harassment may break the law.

4. File complaints — You can report the conduct to the Consumer Financial Protection Bureau (CFPB), state Attorney General, or relevant consumer agencies.

5. Consult a consumer protection attorney — If harassment continues, legal counsel can help you enforce your rights, file a lawsuit, and seek compensation.

If the calls from Rash Curtis & Associates have become unbearable or threatening, remember: you do have legal recourse. For more detailed help and guidance, visit Rash Curtis & Associates Phone Harassment.