If you’ve spotted Louisiana Recovery Services (LRS) on your credit report, it usually means a debt you once owed has gone to collections. Here’s what you need to know—and what you can do about it.
What Is Louisiana Recovery Services?
Louisiana Recovery Services is a debt collection agency based in Lafayette, Louisiana. They collect unpaid debts on behalf of businesses and organizations. When a company can’t get payment from a customer, they may send the account to LRS to try to collect it.
If LRS appears on your credit report, it means they’re trying to collect on a debt that may be past due.
Who Does Louisiana Recovery Services Collect For?
LRS handles collections for a range of industries, including:
- Healthcare providers
- Utility companies
- Retailers
- Credit card issuers
- Businesses dealing with bounced or non-sufficient funds (NSF) checks
Their specialty includes recovering unpaid checks and similar types of debt.
Is Louisiana Recovery Services Legit?
Yes—Louisiana Recovery Services is a legitimate debt collector. They are authorized to collect on behalf of original creditors. However, just because a company is legitimate doesn’t mean every debt they report is accurate.
Always verify any debt they claim you owe before making a payment.
How to Remove Louisiana Recovery Services From Your Credit Report
A collections account can damage your credit score for up to seven years. Here are a few ways to try removing it:
- Dispute the account: If anything about the debt is incorrect, file a dispute with the credit bureaus.
- Send a debt validation letter: Request proof that the debt is yours and accurate. LRS is legally required to respond within 30 days.
- Negotiate a pay-for-delete: You can offer to pay the debt in exchange for LRS removing the account from your credit report. Get the agreement in writing.
- Work with a credit repair company: Professionals can handle disputes and negotiations on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Louisiana Recovery Services?
Not right away. First, confirm that the debt is:
- Actually yours
- Still legally collectible (not past the statute of limitations)
- Accurately reported
If you make a payment without verifying the debt, it could restart the statute of limitations, which might hurt your credit even more.
Can Louisiana Recovery Services Sue You?
Yes, they can file a lawsuit to try to collect the debt. If they win in court, they may be able to garnish your wages or take other legal actions—depending on Louisiana state law.
That said, most collectors use lawsuits as a last resort. They often prefer to work out a payment plan or settle for a reduced amount.
Louisiana Recovery Services Contact Information
- Address:
Louisiana Recovery Services
1304 Bertrand Drive, Suite F-4
Lafayette, LA 70506 - Phone:
(877) 277-6300
(337) 233-6300
Complaints About Louisiana Recovery Services
Like many debt collection agencies, LRS has had complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues involve:
- Inaccurate credit reporting
- Failing to verify debts
- Harassment or inappropriate communication
If you feel your rights have been violated, you can submit a complaint to the CFPB or your state attorney general.
What Are Your Rights Under Federal Law?
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws protect you from unfair treatment.
Here’s what Louisiana Recovery Services is not allowed to do:
- Report inaccurate or incomplete information
- Harass you with repeated or aggressive calls
- Use abusive language or threats
- Mislead you about who they are or what they can do
- Threaten jail time over a debt
- Refuse to validate a debt when you ask for proof
You have the right to dispute any inaccurate credit reporting and to request written validation of the debt.
Get Help Removing Louisiana Recovery Services From Your Credit Report
Collections from LRS can weigh down your credit, but you don’t have to deal with it on your own. A credit repair company can help dispute errors, request debt validation, and work toward having the account removed.
Credit Saint has over 15 years of experience helping people clean up their credit reports—and they offer a 90-day money-back guarantee if you’re not satisfied.
Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
