Direct Recovery Services

Who is Direct Recovery Services?

Direct Recovery Services, LLC (DRS), also known as Direct Recovery Associates, is a debt collection agency based in Two Harbors, Minnesota. They are in the business of recovering unpaid debts on behalf of their clients.

If you have an unpaid bill that has been passed on to DRS, you may see them listed on your credit report.

Who does Direct Recovery Services collect for?

Direct Recovery Services collects debts for a wide range of companies spanning multiple industries. This includes, but is not limited to, healthcare providers, credit card companies, and other financial services companies.

Is Direct Recovery Services legit or a scam?

Direct Recovery Services is a legitimate debt collection agency. 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 Direct Recovery Services from my credit report?

Direct Recovery Services 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.)

Professional credit repair services work with people who want to get their credit back on track.

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.

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

Direct Recovery Services, LLC Contact Information

Address:

Direct Recovery Services
629 7th Ave
Two Harbors, MN 55616

Phone number: (888) 603-0249

Should I contact or pay Direct Recovery Services?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like Direct Recovery Services on behalf of their clients.

Will Direct Recovery Services sue me or garnish my wages?

Direct Recovery Services does have the right to sue for an unpaid debt. If they take this route and win a judgment against you in court, depending on your state laws, they may be able to garnish your wages or bank account, or put a lien on your property. However, these actions are usually the last resort after other attempts to collect the debt have been unsuccessful.

Direct 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 a debt collector.

Your Rights When Dealing with Direct Recovery Services, LLC

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 Direct Recovery Services, LLC to report inaccurate or incomplete information about you to the credit bureaus.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency 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.
• Direct Recovery Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• The debt collector 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.
• The debt collector cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Direct Recovery Services From Your Credit Report Today!

Credit Saint can assist you in disputing Direct Recovery Services 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.

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