Midwest Recovery Systems


Is Midwest Recovery Systems hurting your credit score?

Schedule a free consultation to learn how to 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.

(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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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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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?

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 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

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 Midwest Recovery Systems

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 Midwest Recovery Systems to report inaccurate or incomplete information about you to the credit bureaus.
  • 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.
  • Midwest Recovery Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Midwest Recovery Systems 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.
  • Midwest Recovery Systems cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Midwest Recovery Systems From Your Credit Report Today!

Credit Saint can help you dispute Midwest Recovery Systems 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.