Who is JP Recovery Services?
JP Recovery Services, Inc. (JPRS) is a debt collection agency based in Rocky River, Ohio. They specialize in the collection of unpaid debts, working on behalf of creditors to recover funds that are owed.
If you see JP Recovery Services listed on your credit report as a collections account, this typically indicates that you have an unpaid bill which has been sold or transferred to them for collection.
Who does JP Recovery Services collect for?
JP Recovery Services primarily works with clients in the healthcare industry. They help hospitals, clinics, and other healthcare providers collect debts associated with unpaid medical bills.
Is JP Recovery Services legit or a scam?
JP Recovery Services, Inc. is a legitimate company. 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 JP Recovery Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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JP Recovery Services, Inc. Contact Information
Address:
JP Recovery Services, Inc.
20220 Center Ridge Rd, Suite 200
Rocky River, OH 44116
Phone number: (800) 366-0109
Should I contact or pay JP Recovery Services, Inc.?
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 Credit reports can contain errors or list debts that are no longer valid.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 JP Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like JP Recovery on behalf of their clients.
Will JP Recovery Services, Inc. sue me or garnish my wages?
JP Recovery Services, Inc. has the legal right to sue you for unpaid debts. If they decide to sue and the court rules in their favor, they could potentially obtain a judgment that allows them to garnish your wages or levy your bank account, depending on your state’s laws.
However, both federal and state laws regulate wage garnishments, restricting the amount that can be taken and protecting certain types of income from being garnished.
JP Recovery Services, 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 JP Recovery Services, 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 JP 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. They have 30 days to prove the debt is yours and the amount is accurate.
- JP Recovery Services, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- JP Recovery Services 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.
- JP Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove JP Recovery From Your Credit Report Today!
Credit Saint offers assistance with disputing JP Recovery accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
