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?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Absolute Recovery Services, LLC Contact Information
Address:
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?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
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
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Absolute Recovery Services
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Absolute Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Absolute Recovery Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Absolute Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Absolute Recovery Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Absolute Recovery Services collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
