If you’ve spotted Designed Receivable Solutions on your credit report, you’re probably wondering who they are and how it could affect your credit score. Here’s what you need to know—and how to deal with them the right way.
Who Is Designed Receivable Solutions?
Designed Receivable Solutions, Inc. (DRSI) is a debt collection agency based in Cypress, California. They work on behalf of third-party clients to collect unpaid debts—especially from the healthcare industry.
If you have an unpaid medical bill, hospital charge, or similar healthcare-related debt, it could end up with DRSI and eventually show up on your credit report as a collections account.
Is Designed Receivable Solutions Legit?
Yes, DRSI is a legitimate debt collection company. They are not a scam, but that doesn’t mean you should take everything at face value. Debt collectors often make mistakes, so it’s smart to verify any debt they claim you owe before paying a cent.
Who Do They Collect For?
DRSI mainly collects on behalf of healthcare providers. This includes everything from small clinic bills to large hospital charges. If you recently had a medical procedure or missed a bill, it could explain why they’re contacting you.
How Designed Receivable Solutions Affects Your Credit
Collection accounts can significantly lower your credit score and remain on your credit report for up to seven years. Even if you pay the debt, the account can still stay on your report unless you negotiate its removal.
How to Remove Designed Receivable Solutions From Your Credit Report
Here are your best options:
- Dispute inaccurate information – If there are errors in the account (wrong balance, wrong dates, or the debt isn’t yours), file a dispute with the credit bureaus.
- Request debt validation – Ask DRSI to prove the debt is valid and that they have a right to collect it. They must provide documentation within 30 days if you request it in writing.
- Negotiate a pay-for-delete – Offer to pay the debt in exchange for having the account removed from your credit report. Get the agreement in writing before you pay.
- Work with a credit repair company – If this all feels overwhelming, a reputable credit repair service can handle disputes and negotiations for you.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Designed Receivable Solutions?
Not so fast. Before making any payment:
- Confirm the debt is accurate and valid.
- Check the statute of limitations in your state. If the debt is too old, paying it could restart the clock and hurt your credit again.
- Avoid verbal agreements. Always get everything in writing.
Can They Sue or Garnish Your Wages?
Debt collectors like Designed Receivable Solutions can take legal action if they believe the debt is valid and unpaid. If they win in court, they may be able to garnish your wages or freeze your bank account—depending on your state’s laws. That said, lawsuits are typically a last resort.
Designed Receivable Solutions Contact Information
- Mailing Address:
Designed Receivable Solutions, Inc.
6101 Ball Road, Suite 207
Cypress, CA 90630 - Phone Number: (714) 735-3000
Common Complaints About Designed Receivable Solutions
Like many debt collectors, DRSI has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). These complaints often include:
- Reporting debts that aren’t accurate
- Failing to validate debts
- Harassment or repeated calls
If you’re experiencing harassment, you can file a complaint with the CFPB or your state attorney general.
Know Your Rights Under the FDCPA and FCRA
Federal laws protect you when dealing with debt collectors:
- You have the right to dispute the debt.
- Collectors must verify the debt in writing if requested.
- They can’t threaten, harass, or lie to you.
- They must identify themselves as a debt collector and tell you who they represent.
- They cannot say you’ll be arrested for not paying.
If DRSI violates these rights, you can take legal action or report them to the appropriate authorities.
Need Help Getting This Collection Removed?
Dealing with DRSI can be frustrating, especially if you’re trying to fix your credit on your own. A reputable credit repair company can help challenge inaccurate accounts and push for removal.
Credit Saint is one trusted option with over 15 years of experience—and they offer a 90-day money-back guarantee if you’re not satisfied with the outcome.
Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
