Financial Recoveries


Is Financial Recoveries hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

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 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.)

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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.

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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.?

Before contacting a debt collector, 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 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

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 Financial Recoveries, 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 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Financial Recoveries cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Financial Recoveries 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.
  • Financial Recoveries cannot threaten to have you arrested or imprisoned for unpaid debts.

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

Credit Saint can help you dispute Financial Recoveries, Inc. collection 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.

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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.