Financial Recoveries


Is Financial Recoveries hurting your credit score?

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Who is Financial Recoveries, Inc.?

Financial Recoveries, Inc. (FRI) is a debt collection agency based in Fond du Lac, Wisconsin. Their primary role is to collect outstanding debts that individuals or businesses have failed to pay.

If you see Financial Recoveries, Inc. listed on your credit report as a collections account, it signifies that a debt that you owe has been transferred to this agency for collection. This situation usually arises when a bill has been left unpaid for a considerable period.

Who does Financial Recoveries collect for?

Financial Recoveries, Inc. works with a diverse range of businesses and entities, collecting outstanding debts on their behalf. They serve banks, credit unions, medical facilities, municipalities, counties, property management companies, small businesses, and individuals.

Is Financial Recoveries legit or a scam?

Financial Recoveries is a legitimate company. They operate within the law to recover unpaid debts on behalf of their clients. However, their approach may be seen as aggressive or intrusive, as they may make repeated phone calls, send multiple text messages, or email you in their attempts to recover the debt.

How can I remove Financial Recoveries from my credit report?

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.)

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 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.

Financial Recoveries, Inc. Contact Information


Financial Recoveries, Inc.
5 E 2nd St
Fond du Lac, WI 54935

Mailing address:

Financial Recoveries, Inc.
PO Box 310
Fond du Lac, WI 54936

Phone number: (920) 933-6206 or (800) 264-4418

Should I contact or pay Financial Recoveries, Inc.?

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

Will Financial Recoveries, Inc. sue me or garnish my wages?

Financial Recoveries, Inc. has the ability to sue for unpaid debts. If they win a lawsuit, they could potentially obtain a court order to garnish your wages or levy your bank account.

However, the process of suing a debtor is often complex and costly, and it’s generally reserved for instances where the unpaid debt is substantial. Moreover, the feasibility of wage garnishment or bank levies depends on state laws and federal guidelines.

Financial Recoveries, Inc. 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 Financial Recoveries, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Financial Recoveries 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.
  • Financial Recoveries may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Financial Recoveries 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.
  • Financial Recoveries cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Financial Recoveries, Inc. From Your Credit Report Today!

Credit Saint can assist you in disputing Financial Recoveries, Inc. collection 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.

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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.