Who is Louisiana Recovery Services?
Louisiana Recovery Services (LRS) is a debt collection agency located in Lafayette, Louisiana. They assist businesses in recovering unpaid debts.
If Louisiana Recovery Services appears on your credit report as a collections account, it typically indicates that there is an unpaid debt or bill that has been transferred to this agency for collection.
Who does Louisiana Recovery Services collect for?
Louisiana Recovery Services specializes in recovering past due debts on behalf of original creditors. These businesses could come from multiple sectors including healthcare, utilities, credit card companies, retail businesses, and more.
Is Louisiana Recovery Services legit or a scam?
Louisiana Recovery Services 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.
Who does Louisiana Recovery Services collect for?
Louisiana Recovery Services specializes in bad check and NSF recovery.
Is Louisiana Recovery Services legit or a scam?
Louisiana Recovery Services 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 Louisiana 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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Louisiana Recovery Services Contact Information
Address:
Louisiana Recovery Services (LRS)
Debt Collection Group
1304 Bertrand Drive, Suite F-4
Lafayette, LA 70506
Phone number: (877) 277-6300 or (337) 233-6300
Should I contact or pay Louisiana Recovery Services?
Before contacting a third-party 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 Credit reports can contain errors or list debts that are no longer valid.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 Louisiana Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Louisiana Recovery Services on behalf of their clients.
Will Louisiana Recovery Services sue me or garnish my wages?
Louisiana Recovery Services does possess the ability to sue for unpaid debts. If they decide to take this course of action and successfully win a lawsuit against you, they might be able to garnish your wages or implement other measures to collect the debt, subject to local and state laws.
However, it’s important to remember that legal action is generally seen as a last resort due to the cost, time, and effort involved. Before initiating a lawsuit, debt collection agencies typically aim to work out a payment plan or negotiate a settlement with the debtor.
Louisiana Recovery Services 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 Louisiana Recovery Services
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 Louisiana 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.
- Louisiana Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Louisiana 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.
- Louisiana Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Louisiana Recovery Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Louisiana Recovery Services collection 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.
