If Recovery Management Solutions, LLC is showing up on your credit report, it likely means you have an unpaid debt that’s been sent to collections. Here’s what that means for your credit—and how to work toward getting it removed.
Who Is Recovery Management Solutions, LLC?
Recovery Management Solutions is a debt collection agency based in Cheektowaga, New York. They help businesses recover unpaid debts when the original creditor has been unsuccessful in collecting the balance.
If your account has been turned over to Recovery Management Solutions, the collection account may appear on your credit report, which can lower your credit score.
Who Does Recovery Management Solutions Collect For?
Recovery Management Solutions focuses heavily on the education sector, collecting debts related to:
- Unpaid tuition or school fees
- Student loans
- College and university balances
If you’ve fallen behind on payments tied to your education, Recovery Management Solutions may be attempting to collect the debt.
Is Recovery Management Solutions a Scam?
Recovery Management Solutions, LLC is a legitimate debt collection agency. They are authorized to collect debts for their clients. That said, always verify the details before making payments, as incorrect or outdated information can appear on your credit report.
How to Remove Recovery Management Solutions From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you have options to address them:
- Dispute inaccurate information: If the account is incorrect or doesn’t belong to you, dispute it with the credit bureaus.
- Request debt validation: You can ask Recovery Management Solutions to prove the debt is yours and confirm the amount.
- Negotiate a pay-for-delete: Some collectors may agree to remove the account if you settle the debt. Always get written confirmation.
- Work with a credit repair company: Credit experts can help challenge negative items and review your credit report for errors.
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 Recovery Management Solutions?
Before contacting them, confirm the debt is valid and within the statute of limitations. Making payments on old debts can sometimes restart the reporting period, which may further affect your credit.
Many people choose to work with credit repair professionals to avoid mistakes when dealing with collection agencies.
Can Recovery Management Solutions Sue or Garnish Wages?
Debt collectors like Recovery Management Solutions can sue to recover unpaid debts. If they win a court judgment, they may be able to garnish wages or levy bank accounts, depending on your state’s laws.
That said, legal action is typically a last resort. Most collection agencies attempt to resolve debts through settlements or payment plans before pursuing lawsuits.
Recovery Management Solutions Contact Information
Address:
Recovery Management Solutions, LLC
485 Cayuga Road, Suite 402
Cheektowaga, NY 14225
Phone: (888) 906-2259
Complaints About Recovery Management Solutions
Many debt collection agencies have complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Incorrect information on credit reports
- Harassment or repeated phone calls
- Failure to validate debts
If your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- They cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest for unpaid debts.
Get Help With Recovery Management Solutions Collections
Dealing with collection accounts can be stressful, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to learn more about how they can assist with your credit challenges.

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.