If Monarch Recovery Management has shown up on your credit report, it can hurt your credit score and cause unnecessary stress. Here’s exactly how to handle the situation—and how to work toward getting them removed.
Who Is Monarch Recovery Management?
Monarch Recovery Management, Inc. is a third-party debt collection agency based in Bensalem, Pennsylvania. They collect unpaid debts on behalf of various businesses, lenders, and service providers.
If Monarch Recovery appears on your credit report, it usually means an account you owed has gone unpaid, and they’ve been assigned to collect it.
Who Does Monarch Recovery Management Collect For?
Monarch Recovery handles debt collections across many industries. Their clients include:
- Credit card companies
- Auto lenders
- Banks and credit unions
- Utility companies
- Property managers and landlords
- Medical providers
- Retailers
- Debt buyers
They also collect for loans in default, deficiency balances after repossession, and debts tied to dismissed bankruptcy cases.
Is Monarch Recovery Management Legit or a Scam?
Monarch Recovery is a legitimate, licensed debt collection agency. They’ve been authorized to collect on behalf of original creditors or debt buyers.
That said, errors can happen. If they contact you, always request written proof of the debt before agreeing to pay.
How to Remove Monarch Recovery Management From Your Credit Report
Collections accounts can drop your credit score and stay on your report for up to seven years. But there are ways to try to remove them:
- Dispute inaccurate information: If the debt isn’t yours or the details are wrong, file a dispute with the credit bureaus.
- Request debt validation: You can ask Monarch Recovery to provide written proof of the debt. They must respond within 30 days.
- Negotiate a pay-for-delete: Some collectors may agree to remove the account from your credit report if you pay the balance or settle for less.
- Hire a credit repair professional: Experts can help challenge accounts and work to remove collections like Monarch Recovery from your report.
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 Monarch Recovery Management?
Before paying or contacting Monarch Recovery, confirm that the debt is accurate and still legally collectible based on your state’s statute of limitations. Making a payment could reset the clock on an old debt and extend how long it affects your credit.
If you’re unsure how to handle it, consider working with a credit repair service for guidance.
Can Monarch Recovery Management Sue You or Garnish Your Wages?
Yes, like other collection agencies, Monarch Recovery has the right to sue for unpaid debts. If they win a judgment in court, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
However, legal action is typically a last resort. Most collectors prefer to work out a payment plan or settlement to avoid going to court.
Monarch Recovery Management Contact Information
Address:
Monarch Recovery Management, Inc.
3260 Tillman Drive, Suite 75
Bensalem, PA 19020
Phone:
(800) 220-0605
Monarch Recovery Management Complaints
Consumers have filed complaints with the CFPB and BBB against Monarch Recovery. The most common issues include:
- Inaccurate credit reporting
- Harassment or aggressive tactics
- Failure to verify debts
You have the right to dispute inaccuracies and file a complaint.
Your Rights When Dealing With Monarch Recovery Management
You are protected under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Monarch Recovery cannot:
- Report false or incomplete information
- Harass or threaten you
- Call excessively or use abusive language
- Pretend to be someone they’re not
- Threaten you with arrest for unpaid debts
You also have the right to:
- Dispute errors on your credit report
- Request written proof of the debt
- Be treated fairly and respectfully
Remove Monarch Recovery From Your Credit Report Today
Collections accounts can feel overwhelming, but they don’t have to stay on your credit report forever. Credit Saint has helped thousands of people dispute and remove negative items, including accounts from Monarch Recovery Management. They even offer a 90-day money-back guarantee for added peace of mind.
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.