Clear Recovery


Is Clear Recovery hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Clear Recovery?

Clear Recovery, Inc., aka Merchants Credit Adjusters, Inc., is a debt collection agency located in Omaha, Nebraska. The company specializes in debt recovery services, working with individuals and businesses to resolve unpaid debts.

If you have outstanding financial obligations that you’ve been unable to meet, your debts may have been transferred to Clear Recovery.

Who does Clear Recovery collect for?

Clear Recovery works with a diverse range of clients across several sectors. They provide debt collection services to financial institutions, which may include banks, credit unions, and credit card companies, to recover unpaid loans or credit card debts.

Government offices also utilize their services to collect on unpaid fines, taxes, or other fees. In the healthcare sector, Clear Recovery assists facilities like hospitals and clinics in collecting unpaid medical bills. Additionally, they work with utilities companies to collect on past due accounts for services such as electricity, gas, water, and waste management.

Is Clear Recovery legit or a scam?

Clear 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 Clear Recovery from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Clear Recovery, Inc. Contact Information


Clear Recovery, Inc.
4005 S 148th St.
Omaha, NE 68137

Phone number: (402) 391-3933

Should I contact or pay Clear Recovery, Inc.?

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 Clear Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Clear Recovery on behalf of their clients.

Will Clear Recovery, Inc. sue me or garnish my wages?

Clear Recovery, Inc. may sue you to recover an unpaid debt. If they win a judgment against you in court, they could potentially garnish your wages or seize your assets depending on the laws in your state.

However, it’s important to note that not all debt collection agencies will resort to these measures. It can depend on many factors, including the size of the debt, how long it has been delinquent, and the specific policies of the agency.

Clear 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 Clear Recovery, Inc.

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 Clear Recovery, Inc. 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.
  • Clear Recovery, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Clear Recovery, Inc. 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.
  • Clear Recovery, Inc. cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Clear Recovery From Your Credit Report Today!

Credit Saint can help you dispute Clear Recovery 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.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

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.