Who is Direct Recovery Services?
Direct Recovery Services, LLC (DRS) is a debt collection agency located in Two Harbors, Minnesota. It is believed that they also go by Direct Recovery Associates.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does Direct Recovery Services collect for?
Direct Recovery Services collects debts for companies in various industries, including healthcare providers, credit card companies, and other financial services companies.
Is Direct Recovery Services legit or a scam?
Direct Recovery Services is a legitimate company. However, they may repeatedly spam call, text, or email you.
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.)
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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: (800) 220-0084
Direct Recovery Services, LLC Contact Information
Direct Recovery Services
629 7th Ave
Two Harbors, MN 55616
Phone number: (888) 603-0249
Should I contact or pay Direct Recovery Services?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Direct Recovery Services 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?
It’s possible that Direct Recovery Services will take legal action when attempting to collect a debt, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the Direct Recovery Services debt with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with Direct Recovery Services, LLC again.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for Direct Recovery Services, LLC to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
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 debt collectors.
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 Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Direct Recovery Services, LLC may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Direct Recovery Services 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.
- Direct Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell Direct Recovery Services it’s your policy to deal with everything in writing. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease and desist letter.
Record their phone calls. If you must deal with a debt collector on the phone, consider recording the conversation. In 35 states and D.C., it’s legal to secretly record phone calls. In the other 15 states, you can record with the other party’s permission. Simply informing the collector of your intention to record may count as permission.
Don’t believe what they say. Third-party debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, bank account and credit card information should be kept private.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make Direct Recovery Services go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. Age limits vary by state, but it’s typically 4 to 6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove Direct Recovery Services From Your Credit Report Today!
Lexington Law can assist you in disputing Direct Recovery Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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