If Recovery Solutions Group, LLC (RSG) just popped up on your credit report, you might be wondering who they are—and how to deal with them. Here’s what you need to know, plus what you can do to protect your credit.
What Is Recovery Solutions Group?
Recovery Solutions Group is a debt collection agency based in Milford, Delaware. They work with businesses to collect unpaid debts, and they often show up on credit reports when someone owes money to one of their clients.
If you see them listed on your credit report, it means they believe you owe a debt and they’ve opened a collections account in your name.
Who Does Recovery Solutions Group Collect For?
RSG mainly operates in a niche market: fire and water damage restoration. That means they’re usually trying to collect debts from people or businesses who had restoration services—like cleanup after a fire or flood—but didn’t fully pay the bill.
Is Recovery Solutions Group Legit?
Yes, Recovery Solutions Group is a real debt collection agency. They’re authorized to collect debts on behalf of their clients. That said, just because they’re legitimate doesn’t mean every claim they make is accurate. Always verify any debt they say you owe.
How to Remove Recovery Solutions Group From Your Credit Report
A collection account can drag down your credit score for up to seven years, so it’s smart to act fast. Here are your options:
- Dispute errors: If anything about the debt is incorrect—wrong amount, wrong person, already paid—file a dispute with the credit bureaus.
- Request debt validation: Send a written request to RSG asking them to prove the debt is valid. They have to respond within 30 days.
- Try a pay-for-delete: Offer to pay the debt in exchange for having the account removed from your credit report. Not all collectors agree, but it’s worth asking.
- Work with a credit repair service: If you’re not sure where to start, a reputable credit repair company can handle disputes and negotiations for you.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Recovery Solutions Group?
Only reach out to RSG after you’ve verified the debt is valid and accurate. Making a payment—especially without a written agreement—could restart the statute of limitations and make things worse for your credit.
If you do decide to negotiate, try to get any agreement in writing before sending money. Otherwise, consider getting professional help to avoid making costly mistakes.
Can Recovery Solutions Group Sue You?
Yes, they can. Like any debt collector, Recovery Solutions Group has the legal right to sue you for unpaid debts. If they win the case and get a court judgment, they may be able to garnish your wages or freeze your bank account—depending on your state’s laws.
That said, lawsuits are typically a last resort. Collectors often prefer to work out a payment plan or settlement first. Communicating early (and smartly) can help you avoid legal trouble.
Common Complaints About Recovery Solutions Group
Recovery Solutions Group has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most of the issues involve:
- Incorrect information on credit reports
- Harassing phone calls
- Refusing to verify a debt
If you’re experiencing any of these problems, file a complaint and keep records of all communication.
Know Your Rights Under Federal Law
You’re protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Here’s what those laws mean for you:
- You can request proof: Ask RSG to validate the debt. They must respond within 30 days.
- No harassment allowed: They can’t swear at you, call excessively, or make threats.
- They must tell the truth: RSG must clearly identify themselves as debt collectors and explain your rights.
- They can’t lie or mislead: For example, they can’t say you’ll be arrested for not paying.
- They must report accurate info: If anything they report to the credit bureaus is wrong or incomplete, you can dispute it.
Recovery Solutions Group Contact Information
- Address: 1008 Mattlind Way, Milford, DE 19963
- Phone: (302) 241-0686
Don’t Let One Collection Account Wreck Your Credit
Recovery Solutions Group accounts can be tough to deal with—but you don’t have to manage it on your own. Credit repair professionals can step in to handle disputes, negotiate with collectors, and push for removal.
Credit Saint is one trusted option. They’ve helped thousands of people remove negative items from their credit reports—including accounts from RSG—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.
