Focused Recovery Solutions


Is Focused Recovery Solutions hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Focused Recovery Solutions?

Focused Recovery Solutions, Inc. (FRS), also known as The Focused Group, Inc., is a debt collection agency based in North Chesterfield, Virginia. If you owe an unpaid debt that’s been transferred to FRS for collections, you might see their name on your credit report.

Who does Focused Recovery Solutions collect for?

FRS primarily serves the healthcare industry, collecting unpaid debts on behalf of hospitals, clinics, and other healthcare providers. They aim to recover as much of the unpaid debt as possible, either through full payment or via negotiated payment plans.

Is Focused Recovery Solutions legit or a scam?

While Focused Recovery Solutions is a legitimate company, their communication methods might seem excessive or intrusive. They may repeatedly contact you via phone, text, or email to discuss the debt.

How can I remove Focused Recovery Solutions 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.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

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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Focused Recovery Solutions, Inc. (FRS) Contact Information


Focused Recovery Solutions, Inc.
9701 Metropolitan Ct Unit B
Richmond, VA 23236

Phone number: (804) 421-4090

Should I contact or pay Focused Recovery Solutions?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Focused Recovery Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Focused Recovery Solutions on behalf of their clients.

Will Focused Recovery Solutions sue me or garnish my wages?

Focused Recovery Solutions, Inc. (FRS) does have the ability to sue you for the unpaid debt. If they choose to do so and win the lawsuit, they could potentially receive a court order to garnish your wages or levy your bank account to recover the debt.

However, garnishing wages or levying bank accounts is generally a last resort and involves several steps. The regulations and procedures regarding wage garnishment can vary significantly by state and by the type of debt.

Focused Recovery Solutions, 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 Focused Recovery Solutions, 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 Focused Recovery Solutions 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.
  • Focused Recovery Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Focused Recovery Solutions 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.
  • Focused Recovery Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Focused Recovery Solutions From Your Credit Report Today!

Credit Saint can help you dispute Focused Recovery Solutions 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.