Seeing Southwest Recovery Services on your credit report can be stressful. A collection account can lower your credit score for up to seven years, but there are ways to handle it—and possibly get it removed.
Who Is Southwest Recovery Services?
Southwest Recovery Services, Inc. is a debt collection agency based in Addison, Texas. They also have offices in other Texas cities, along with locations in Missouri and Oklahoma. They work with businesses to collect unpaid debts and often report those debts to the credit bureaus.
If their name appears on your credit report, it usually means an unpaid bill or debt was sent to them for collection.
Who Does Southwest Recovery Services Collect For?
Southwest Recovery Services collects debts for a variety of businesses, including:
- Landlords and property management companies
- Banks and credit card companies
- Retailers and service providers
- Businesses seeking recovery of unpaid invoices
- Court-ordered judgments
If you’ve fallen behind on rent, loans, credit cards, or other payments, your account may have been turned over to Southwest Recovery Services.
Is Southwest Recovery Services Legitimate?
Yes, Southwest Recovery Services is a real debt collection agency. They are legally authorized to collect debts on behalf of businesses. That said, you should always confirm that any debt they claim you owe is accurate before making a payment.
How to Remove Southwest Recovery Services From Your Credit Report
A collection account can significantly impact your credit score, so addressing it quickly is important. Here are the most common ways to get it removed:
- Dispute inaccuracies: If any details—such as the balance, dates, or ownership—are incorrect, you can file a dispute with the credit bureaus. They must investigate and correct any errors.
- Request debt validation: You have the right to ask Southwest Recovery Services to prove the debt is yours and that the amount is correct. If they can’t provide proper validation, they must stop collecting and remove the account from your credit report.
- Negotiate a pay-for-delete: Sometimes, you can offer a payment in exchange for having the account removed from your credit report. Always get the agreement in writing before sending money.
- Work with a credit repair company: Credit repair professionals help consumers challenge inaccurate collections and may improve your chances of removal.
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Should You Contact or Pay Southwest Recovery Services?
Before contacting or paying any collection agency, confirm the debt is valid and accurately reported. Credit reports often contain outdated or incorrect information. Making a payment can also restart the statute of limitations, which might give the collector more time to take legal action.
If you’re unsure how to handle the situation, working with a trusted credit repair company can help protect your credit and handle the process more effectively.
Can Southwest Recovery Services Sue You or Garnish Your Wages?
Debt collectors like Southwest Recovery Services can sue you to recover unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Withdraw funds from your bank account
- Place a lien on your property (depending on state laws)
Before any of this can happen, they must first take legal action and win the case. Not every debt results in a lawsuit, as many agencies prefer to resolve accounts without going to court.
Southwest Recovery Services Complaints
Many debt collectors have complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common complaints against collection agencies include:
- Inaccurate reporting to credit bureaus
- Harassment or repeated phone calls
- Failure to properly validate debts
If you believe your rights are being violated, you can file a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With Southwest Recovery Services
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect your rights when dealing with debt collectors like Southwest Recovery Services.
They are not allowed to:
- Report false or incomplete information about you
- Harass, threaten, or use abusive language
- Call excessively or outside reasonable hours
- Misrepresent who they are or their intentions
- Threaten arrest or jail for unpaid debts
You have the right to:
- Request written debt validation within 30 days of first contact
- Dispute inaccurate information on your credit report
- Be treated fairly and respectfully
Knowing your rights helps you handle collection accounts with more confidence.
Southwest Recovery Services Contact Information
Here’s how to reach them if you choose to communicate:
Southwest Recovery Services
16200 Addison Road, Suite 260
Addison, TX 75001
Better Business Bureau Address:
17311 Dallas Parkway, Suite 235
Dallas, TX 75248-1132
Phone: (866) 558-3328
Always keep written records of any communication with debt collectors, and avoid making verbal agreements without written confirmation.
Remove Southwest Recovery Services From Your Credit Report Today
If dealing with collections feels overwhelming, a credit repair service can help. Credit Saint has over 15 years of experience helping clients challenge inaccurate collections, errors, and other negative marks on their credit reports. They even offer a 90-day money-back guarantee for peace of mind.
Getting expert help can make the process easier and help you work toward a better credit score.
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.
