Who is Absolute Recovery Services?
Absolute Recovery Services, LLC is a debt collection agency that operates out of Memphis, Tennessee. The company specializes in the recovery of various types of debt on behalf of their clients.
If you have unpaid debts that have been assigned or sold to Absolute Recovery Services, their name may appear on your credit report as a collections account. This could happen if you have an unpaid bill.
Who does Absolute Recovery Services collect for?
Absolute Recovery Services focuses on collections specifically for landlords and property management companies. They typically collect unpaid rent, damages beyond the security deposit, or any other debt associated with a tenant’s lease agreement that hasn’t been paid.
Is Absolute Recovery Services legit or a scam?
Absolute Recovery Services is indeed a legitimate business, not a scam. They operate under federal and state laws that govern the practices of debt collection agencies. However, their collection methods, which can include frequent calls, texts, and emails, might feel intrusive or overwhelming to some individuals.
How can I remove Absolute Recovery Services from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Absolute Recovery Services, LLC Contact Information
Absolute Recovery Services, LLC
1010 June Rd Suite 202
Memphis, TN 38119
Phone number: (901) 507-3444
Should I contact or pay Absolute Recovery Services?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Absolute Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Absolute Recovery Services on behalf of their clients.
Will Absolute Recovery Services sue me or garnish my wages?
Like most debt collection agencies, Absolute Recovery Services, LLC, is legally entitled to sue you for the unpaid debt. If they were to file a lawsuit and win, they could obtain a court order that may permit them to garnish your wages or levy your bank account to collect the debt.
However, the rules and regulations regarding wage garnishment vary by state and by type of debt. In some cases, certain types of income, such as Social Security benefits or disability payments, may be exempt from garnishment.
Absolute Recovery Services, LLC Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Absolute Recovery Services
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Absolute Recovery Services to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send Absolute Recovery Services a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Absolute Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Absolute Recovery Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Absolute Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Absolute Recovery Services From Your Credit Report Today!
Credit Saint can assist you in disputing Absolute Recovery Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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