How To Stop Reliant Capital Solutions And Repair Your Credit
By Chonce Maddox
Last updated 6/25/2020
Summary: Have your student loans gone into default or do you have another debt in collections? Reliant Capital Solutions will continue to be persistent but here’s how you can deal with this company and get rid of them for good.
Reliant Capital Solutions can be a pain to deal with if they’re claiming you owe on a debt. If this company has shown up on your credit report, your credit score likely dropped by quite a few points. Ouch!
This happens when you receive a negative mark for not paying debt or a bill. As soon as an account goes to collections, your score decreases and this negative mark can stay on your credit for several years.
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To top it off, you may be getting several calls from Reliant Capital Solutions and dealing with their aggressive debt collection tactics.
So how can you clear things up with your credit, stop Reliant Capital Solutions from calling and remove them from your report?
In this article, I’ll explain how to do all this and more but first, let’s learn about what kind of company we’re dealing with.
Is Reliant Capital Solutions Legit?
There are so many scams out there. Whenever someone contacts you about owing them money you have to verify that their request is coming from a legit source.
In this case, Reliant Capital Solutions, LLC is a legitimate 3rd party debt collection company and they’re headquartered in Gahanna, Ohio. The company’s file with the Better Business Bureau started in 2008 and they have an A+ rating.
Reliant Capital Solutions collects for debts related to health care, automotive, retail, commercial, and delinquent student loan accounts.
Negative items on your credit file? Our 609 credit dispute letters may be able to help get them removed.
The company uses multiple different phone numbers, but their main number and address are below:
670 Cross Pointe Rd
Gahanna, OH 43230
Reliant Capital Solutions Department Of Education
Reliant Capital Solutions has received a total of 56 complaints on their BBB profile in the last 3 years. A few of those are related to student loan debt that they attempted to collect from borrowers.
When your federal student loans are in default, your college or university may place the debt with a company like Reliant Capital Solutions LLC. This company may also deal with private student loan debt as well if you fall behind on payments.
You can see on their website that they’ve worked with tons of colleges like West Virginia University, The University of Mississippi, and Purdue University to help them collect student loan debt payments.
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Stopping Calls From Reliant Capital Solutions
Are you getting multiple calls from Reliant Capital Solutions? As a debt collection agency, this company must comply with regulations laid out by the Fair Debt Collection Practices Act (FDCPA).
I saw a complaint against Reliant Capital Solutions that claimed someone had been receiving numerous calls from the company each day about a student loan balance.
The agent used harassing language and claimed the person’s student loans were in default when in fact they weren’t. This violates the Fair Debt Collection Practices Act entirely.
In order to stand up to Reliant Capital Solutions LLC and stop harassing phone calls, you need to know and exercise your rights under the FDCPA.
According to these strict guidelines, a debt collector must not:
Call you before 8 am and after 9 pm
Harass or lie to you when trying to collect a debt
Call you while you’re at work if they know your employer doesn’t approve of the calls
They must stop calling if you request in writing that they only contact you by mail.
Reliant Capital Solutions Forms
Reliant Capital Solutions has a few important forms you may want to consider looking into if they’ve been contacting you. One of the most important Reliant Capital Solution forms is the Communication Preferences Consent form.
You can use this form to update how you’d prefer to be contacted so you’d add your email, home address, and telephone number. Reliant Capital Solutions also states on this form that they will send you automated messages via phone that will be considered “in writing”.
Keep in mind that you can always opt-out of filling out this form and choose to not receive phone calls, thanks to the FDCPA. You may withdraw your consent in writing by mailing a letter to: 670 Cross Point Road, Gahanna, OH USA 43230 or by sending an email to [email protected].
You can also request paper copies of electronic communications by writing to Reliant Capital Solutions LLC. Make sure you address your letter to ‘Disclosure and Consent Notice’ at 670 Cross Point Road, Gahanna, OH USA 43230 or send an email to [email protected].
Some of their other forms include:
3rd Party Authorization Form - An agreement that gives permission for a 3rd party to access records from the Department of Education about your financial loan or grant obligations
Recurring Payment Form - To authorize Reliant Capital Solutions to take recurring payments from your account
How To Get Rid Of Reliant Capital Solutions
Reliant Capital Solutions is not a company you want to deal with long-term and I’m sure you definitely don’t want them on your credit report either.
Be sure to follow these exact steps if you want to get rid of Reliant Capital Solutions once and for all.
Request Debt Validation
Your first step in dealing with a debt collection company is to request that they validate your debt.
Debt collection companies make so many mistakes, and it’s your right to request that they provide proof of what you owe including the original creditor and the exact amount.
It’s recommended that you request a debt validation in writing within 30 days of being contacted by Reliant Capital Solutions. However, if you miss this timeframe, you should still send in your request.
The validation letter you’ll send is called a 609 letter and you can use one of these free templates to send your letter by certified mail.
A debt collector only has 30 days to respond to your validation request.
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File A Dispute If The Debt Can't Be Validated
If Reliant Capital Solutions can’t validate your debt or they’ve made a mistake when reporting it, be sure to file a dispute with the 3 major credit bureaus.
Keep following up on your dispute until Reliant Capital Solutions removes the negative mark from your credit report.
Rehabilitate Your Student Loans
If your student loans have gone into default, you can fill out Reliant Capital Solutions’ rehabilitation form if you agree with the terms.
A rehabilitation agreement provides a chance for you to get your student loans out of default by making 9 monthly payments within 20 days of the due date during a period of 10 consecutive months.
You typically only get one student loan rehabilitation and there is little to no room for negotiation. However, this is your best option to get your student loans out of default. Debt collection agencies are required to ask you to pay an amount that is affordable and reasonable.
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Once your rehabilitation period is over, the loan will be removed from default status and you’ll be eligible for new financial aid including student loans and grants. The default status will also be removed from your credit report.
It’s important to keep up with where you are in the rehabilitation process and make sure you can continue to make payments on your loans afterward since you’ll likely be put on a standard repayment plan again.
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Negotiate A Pay For Delete
When it comes to getting other types of debt removed from your credit report, you may be able to negotiate a pay for delete agreement with Reliant Capital Solutions LLC.
A pay for delete agreement would involve you agreeing to pay a specific settlement amount to close out the account and in exchange, the debt collector would delete the collection account from your credit report.
Some debt collectors claim they don’t do pay for delete agreements but it’s important to find out for sure. If you simply agree to pay Reliant Capital Solutions, they won’t remove the collection account from your credit report and it can stay on your report for up to 7 years.
If you want to restore your credit, consider using one of our pay for delete request templates and sending a request in writing to Reliant Capital Solutions. Don’t want to go through this negotiation process by yourself? Try hiring a credit repair company to do this for you.
A credit repair company like Lexington Law has the experience and tools to deal with aggressive debt collectors, advocate for your rights, and get you the best possible outcome.
If Reliant Capital Solutions has shown up on your credit report, you aren’t out of options or relief. Utilize your rights as a consumer to get your debt validated and take action with the steps mentioned in this article.
Remember, companies like Reliant Capital Solutions will not go away on their own. To avoid situations where a debt collector could try to sue you or garnish your wages, be proactive and stop them before things get to this point.
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