Midwest Recovery Systems

Is Midwest Recovery Systems hurting your credit score?

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

Who is Midwest Recovery Systems?

Midwest Recovery Systems, LLC (MRS) is a debt collection agency located in Florissant, Missouri. They provide services focused on the recovery of debts for various creditors.

If you see Midwest Recovery Systems listed on your credit report as a collections account, it means you have an outstanding debt that hasn’t been paid and has been transferred to MRS for collection.

Who does Midwest Recovery Systems collect for?

Midwest Recovery Systems provides services to a wide range of sectors. They specialize in retail, commercial, medical, receivables management, and check collections.

This means they represent businesses, healthcare providers, and financial institutions to recover outstanding debts from consumers. When these companies have overdue bills, they pass them onto agencies like MRS to carry out the collection process.

Is Midwest Recovery Systems legit or a scam?

Midwest Recovery Systems is a legitimate debt collection company. However, like many collection agencies, they might employ persistent methods to recover debts, which can include frequent phone calls, texts, or emails.

How can I remove Midwest Recovery Systems from my credit report?

Midwest Recovery Systems collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Midwest Recovery Systems, LLC Contact Information


Midwest Recovery Systems, LLC
514 Earth City Expy
Earth City, MO 63045

Mailing address:

Midwest Recovery Systems, LLC
P.O. BOX 899
Florissant, MO 63032

Phone number: (888) 253-3440

Should I contact or pay Midwest Recovery Systems?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Midwest Recovery Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Midwest Recovery Systems on behalf of their clients.

Will Midwest Recovery Systems sue me or garnish my wages?

Midwest Recovery Systems has the legal ability to file a lawsuit against a debtor for the recovery of unpaid debts. If they decide to sue and win the case, they could potentially be granted a judgment by the court that allows them to garnish your wages as a way to recover the debt owed.

Wage garnishment is a legal procedure where part of a person’s earnings are withheld and directly sent to the creditor until the debt is paid off. However, the specific rules and procedures can vary by state and also depend on the nature of the debt.

Keep in mind that legal action is usually a last resort for debt collection agencies, as it can be costly and time-consuming. Many collection agencies prefer to work out a payment plan or a negotiated settlement directly with the debtor.

Midwest Recovery Systems, LLC Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Midwest Recovery Systems

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Midwest Recovery Systems 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Midwest Recovery Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Midwest Recovery Systems must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Midwest Recovery Systems cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Midwest Recovery Systems From Your Credit Report Today!

Credit Saint can assist you in disputing Midwest Recovery Systems collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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