Who Called From 502-530-4397?
Short answer: 502-530-4397 is a number used by Rawlings Financial Services, LLC (Rawlings Financial Services, LLC), a third-party collection agency based in La Grange, KY — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2113260-dca on file, address of record in la grange, ky. They are almost certainly trying to collect a debt, most often insurance subrogation claims. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 502-530-4397?
The number 502-530-4397 is used by Rawlings Financial Services, LLC (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2113260-dca on file, address of record in la grange, ky), a third-party collection agency in La Grange, KY. For the full company profile — ownership, history, and known aliases — see our complete Rawlings Financial Services, LLC guide. This page focuses on the calls coming from 502-530-4397 specifically.
About this specific number
- 📞 Number: 502-530-4397 (area code 502, ending in 4397)
- 📍 Line type: Direct-dial — resolves to Louisville, Kentucky.
- 🏢 Operator: Rawlings Financial Services, LLC, a third-party collection agency in La Grange, KY.
- 🔢 Related lines: Rawlings Financial Services, LLC is documented using 1 number in our directory, so calls may also come from other digits.
502-530-4397 is a direct-dial number tied to Louisville, Kentucky, which is why the call may have appeared "local" on your caller ID even though Rawlings Financial Services, LLC operates out of La Grange, KY.
Some carriers display 502-530-4397 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Rawlings Financial Services, LLC.
On your caller ID, in voicemails, or in letters, this company can also appear as: Rawlings Financial Services, LLC.
Why Is Rawlings Financial Services, LLC Calling Me From 502-530-4397?
In our directory, 502-530-4397 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2113260-dca on file, address of record in la grange, ky for Rawlings Financial Services, LLC, which typically collects insurance subrogation claims, healthcare recovery. A call from 502-530-4397 usually happens because:
- ✅ An original account (a insurance subrogation claims, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Rawlings Financial Services, LLC to collect on behalf of the original creditor.
- ✅ Rawlings Financial Services, LLC is now dialing you from 502-530-4397 and possibly other lines to reach a resolution.
Calls from 502-530-4397 often come right after a billing cycle closes. Some people report that 502-530-4397 calls once and hangs up, then tries again from a different Rawlings Financial Services, LLC line hours later. A single missed call is not proof of a valid debt. When 502-530-4397 shows up on your caller ID, it is worth checking whether the Rawlings Financial Services, LLC account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Rawlings Financial Services, LLC prove the insurance subrogation claims in writing first.
Important: a phone call — even from a real number like 502-530-4397 — does not prove you owe the debt, that the amount is correct, or that Rawlings Financial Services, LLC can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 502-530-4397
Anything you say to Rawlings Financial Services, LLC can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 502-530-4397 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Rawlings Financial Services, LLC.
Don't agree to a payment on the spot
A single payment to Rawlings Financial Services, LLC — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 502-530-4397.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 502-530-4397. Any legitimate Rawlings Financial Services, LLC resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 502-530-4397 caller. If it truly is your Rawlings Financial Services, LLC account, they should already have what they need and must prove it.
What To Do If 502-530-4397 Keeps Calling
Here are concrete next steps for this specific Rawlings Financial Services, LLC line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 502-530-4397 as a contact labeled "Rawlings Financial Services, LLC — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 502-530-4397 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Rawlings Financial Services, LLC identify the original creditor behind the 502-530-4397 calls and the date the debt was opened.
Your Rights When Rawlings Financial Services, LLC Calls From 502-530-4397
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Rawlings Financial Services, LLC a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Rawlings Financial Services, LLC reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 502-530-4397: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Rawlings Financial Services, LLC stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Rawlings Financial Services, LLC generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Rawlings Financial Services, LLC from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 502-530-4397
We investigate the specific Rawlings Financial Services, LLC account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Rawlings Financial Services, LLC account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Rawlings Financial Services, LLC. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
502-530-4397 — Frequently Asked Questions
Who is calling me from 502-530-4397?
502-530-4397 is a direct-dial line associated with Rawlings Financial Services, LLC (also seen as Rawlings Financial Services, LLC), a third-party collection agency headquartered in La Grange, KY. The number resolves to Louisville, Kentucky. If you received a call from 502-530-4397 — often showing the last four digits 4397 on your screen — it is very likely Rawlings Financial Services, LLC attempting to reach you about a debt they say you owe, most often insurance subrogation claims, healthcare recovery.
Is 502-530-4397 a scam number?
Rawlings Financial Services, LLC is a real, registered company, and 502-530-4397 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Rawlings Financial Services, LLC, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 502-530-4397?
You are not legally required to answer 502-530-4397 or call Rawlings Financial Services, LLC back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Rawlings Financial Services, LLC must pause collection until it mails you proof of the debt.
Why is Rawlings Financial Services, LLC calling me about insurance subrogation claims?
A call from 502-530-4397 usually means an original insurance subrogation claims went unpaid and was placed with Rawlings Financial Services, LLC, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Rawlings Financial Services, LLC from calling 502-530-4397?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Rawlings Financial Services, LLC to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 502-530-4397 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Rawlings Financial Services, LLC is calling about?
Do not pay anything based on a call from 502-530-4397 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Rawlings Financial Services, LLC
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