Southwest Recovery Services

Is Southwest Recovery Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Southwest Recovery Services?

Southwest Recovery Services, Inc. is a debt collection agency headquartered in Addison, Texas. They also have several other locations in Texas as well as a location in St. Louis, Missouri and Oklahoma City, Oklahoma.

They work with clients and consumers to address unpaid debts. As part of their strategy, they may appear on your credit report if you have any unpaid bills.

Who does Southwest Recovery Services collect for?

Southwest Recovery Services handles a diverse array of debts for different clients including businesses, landlords, banks, and credit card companies. They aid in the recovery of past due invoices, unpaid rent, delinquent loans, and court-ordered judgments.

Is Southwest Recovery Services legit or a scam?

Southwest Recovery Services, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Southwest Recovery Services from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Southwest Recovery Services, Inc. Contact Information


Southwest Recovery Services
16200 Addison Road Suite 260
Addison, TX 75001

Better Business Bureau Address:

Southwest Recovery Services
17311 Dallas Pkwy Suite 235
Dallas, TX 75248-1132

Phone number: (866) 558-3328

Should I contact or pay Southwest Recovery Services?

It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with Southwest Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Southwest Recovery on behalf of their clients.

Will Southwest Recovery Services sue me or garnish my wages?

Southwest Recovery Services may decide to sue if other methods of collection have failed. This could potentially result in a judgment against you, which, depending on your state laws, could lead to wage garnishment or a lien on property.

However, before any such drastic measures can take place, the collection agency must first obtain a court order. If a debtor is sued, they are entitled to defend themselves in court. It is highly recommended to seek legal advice if this occurs.

Southwest Recovery Services, Inc. Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed by Southwest Recovery Services, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Southwest Recovery Services

Southwest Recovery Services must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Southwest Recovery Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Southwest Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Southwest Recovery Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Southwest Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Southwest Recovery Services From Your Credit Report Today!

Credit Saint can assist you in disputing Southwest Recovery Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.