If Reliance Recoveries has shown up on your credit report, your credit score could be suffering. Here’s what you need to know—and how to remove them.
Who Is Reliance Recoveries?
Reliance Recoveries, also known as Accounts Receivable Services, LLC, is a debt collection agency based in Minneapolis, Minnesota. They work with businesses to recover unpaid debts from consumers.
If they are listed on your credit report, it typically means an unpaid account has been sent to them for collection.
Who Does Reliance Recoveries Collect For?
Reliance Recoveries specializes in medical debt collection. They work with healthcare providers such as:
- Hospitals
- Clinics
- Doctors’ offices
- Other medical service providers
If you have unpaid medical bills, your account may be turned over to Reliance Recoveries for collection.
Is Reliance Recoveries Legitimate?
Yes, Reliance Recoveries is a real debt collection agency. But even legitimate companies can report incorrect information, so always verify the debt before making payments or agreeing to terms.
How to Remove Reliance Recoveries From Your Credit Report
A collection account can stay on your credit report for up to seven years, hurting your credit score the entire time. But there are ways to get it removed:
- Dispute inaccurate information: If the debt details are incorrect or the account is not yours, file a dispute with the credit bureaus to have it corrected or removed.
- Request debt validation: You have the right to ask Reliance Recoveries to provide proof that the debt is valid and the amount is accurate. If they cannot, they must remove the account.
- Negotiate a pay-for-delete: In some cases, debt collectors will agree to remove the account from your credit report if you settle the debt. Always get the agreement in writing before sending payment.
- Work with a credit repair service: Professionals can dispute collection accounts or negotiate on your behalf, saving you time and stress.
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 Reliance Recoveries?
Before reaching out, review your credit report and confirm the debt is legitimate. Credit reports often contain errors, and paying a debt without verifying the details can reset the clock, keeping the negative item on your credit report longer.
If the debt is valid, you can explore settlement or pay-for-delete options. Many people prefer working with a credit repair company to avoid dealing directly with collectors.
Can Reliance Recoveries Sue or Garnish Wages?
Yes, Reliance Recoveries has the legal right to sue for unpaid debts. If they take you to court and win, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
The actions they can take depend on your state’s laws. However, lawsuits are usually a last resort, as legal action is costly and time-consuming for both sides.
Complaints About Reliance Recoveries
Like many collection agencies, Reliance Recoveries has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
Common complaints include:
- Inaccurate credit reporting
- Harassing or excessive phone calls
- Failure to verify debts
Despite these complaints, Reliance Recoveries currently holds an A+ rating with the Better Business Bureau. If your rights are being violated, you can still file a complaint with the CFPB or BBB.
Your Rights When Dealing With Reliance Recoveries
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from unfair collection practices. Your rights include:
- Reliance Recoveries cannot report false or incomplete information about you.
- You can request written proof that the debt is valid and the amount is accurate.
- They cannot harass, threaten, or use abusive language.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten arrest or legal action they are not legally allowed to take.
Reliance Recoveries Contact Information
Address:
Reliance Recoveries
6160 Summit Dr. N Ste 440
Minneapolis, MN 55430
Phone: (763) 585-8500
Get Help Removing Reliance Recoveries From Your Credit Report
Dealing with collection accounts like Reliance Recoveries can be overwhelming, but you do not have to handle it alone. Credit Saint has helped thousands of people remove negative accounts from their credit reports.
They have been doing this for over 15 years—and they even offer a 90-day money-back guarantee for peace of mind.
Want to see how they can help? Visit their website or call (855) 281-1510 for a free consultation.
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.
