Southwest Recovery Services


Is Southwest Recovery Services hurting your credit score?

Schedule a free consultation to learn how to 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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

(Though debt collectors may not want this 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 assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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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?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being 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. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Southwest Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Southwest Recovery Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Southwest Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Southwest Recovery Services From Your Credit Report Today!

Credit Saint can help you dispute Southwest Recovery Services collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.