Central States Recovery


Is Central States Recovery hurting your credit score?

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Who is Central States Recovery, Inc.?

Central States Recovery (CSR) is a debt collection agency based in Hutchinson, Kansas. They are responsible for collecting unpaid debts on behalf of their clients.

If you find Central States Recovery listed on your credit report, this typically indicates an unpaid bill or debt that has been handed over to CSR for collection.

Who does Central States Recovery collect for?

Central States Recovery primarily serves healthcare providers. They collect various forms of medical debt, such as unpaid hospital bills and delinquent accounts from clinics or other healthcare services.

Is Central States Recovery legit or a scam?

Central States Recovery is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Central States Recovery from my credit report?

Central States Recovery 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Central States Recovery (CSR) Contact Information


Central States Recovery, Inc.
1314 N Main St.
Hutchinson, KS 67501

Mailing address:

Central States Recovery, Inc.
P.O. Box 3130
Hutchinson, KS 67501-3130

Phone number: (800) 779-0419 or (620) 663-8811

Should I contact or pay Central States Recovery?

Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Central States Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Central States Recovery on behalf of their clients.

Will Central States Recovery sue me or garnish my wages?

Central States Recovery (CSR) has the legal right to sue you for the unpaid debt. If the court rules in their favor and they obtain a judgment against you, they might then have the ability to garnish your wages, or levy your bank accounts, depending on your state’s laws.

However, it’s important to understand that these steps are usually a last resort for most collection agencies. Legal action can be expensive and time-consuming. Collection agencies prefer to negotiate a repayment plan rather than going through the legal process.

Central States Recovery, Inc. 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 Central States Recovery

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 Central States Recovery to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Central States Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Central States Recovery 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.
  • Central States Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Central States Recovery From Your Credit Report Today!

Credit Saint can help you dispute Central States Recovery collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.