States Recovery Systems

Is States Recovery Systems 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 States Recovery Systems?

States Recovery Systems, Inc. (SRS) is a professional debt collection agency that operates out of Gold River, California. This agency is responsible for managing and collecting delinquent debts on behalf of original creditors.

If SRS appears on your credit report, it typically indicates that they’ve been assigned or have purchased a debt that you owe. This can happen when a bill has gone unpaid for a significant period of time, resulting in the debt being transferred to them for collection.

Who does States Recovery Systems collect for?

States Recovery Systems collects debts for companies in the following industries:

  • banking and financial services companies
  • commercial collections
  • consumer retail providers
  • government agencies
  • healthcare providers
  • higher education
  • property management companies
  • publishing and advertising
  • telecommunication and utility service providers

Is States Recovery Systems legit or a scam?

States Recovery Systems is a legitimate debt collection company that operates in compliance with the laws regulating the debt collection industry. Despite their legal status, their collection practices may sometimes be viewed as overly aggressive as they may frequently contact you via phone calls, text messages, or emails in their efforts to collect the owed debt.

How can I remove States Recovery Systems 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?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with 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.

States Recovery Systems, Inc. Contact Information


States Recovery Systems, Inc.
2491 Sunrise Blvd
Rancho Cordova, CA 95670

Mailing address:

States Recovery Systems, Inc.
PO Box 2860
Rancho Cordova, CA 95741

Phone number: (916) 631-7085 or (800) 211-1435

Should I contact or pay States Recovery Systems?

It’s best to avoid speaking to a collection agency 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 States Recovery Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like States Recovery Systems, Inc. on behalf of their clients.

Will States Recovery Systems sue me or garnish my wages?

States Recovery Systems, like other debt collection agencies, has the legal authority to file a lawsuit against you if you fail to repay a debt. If they secure a judgment against you in court, they could potentially garnish your wages or bank accounts, depending on the laws in your state. However, these are typically last-resort measures due to the time and cost associated with legal action.

Before resorting to litigation, States Recovery Systems will generally try to collect the debt through standard means such as phone calls, letters, and potentially establishing a repayment plan. If you’re contacted by them, it can be beneficial to engage and try to resolve the issue, whether that means setting up a payment plan, disputing the debt if it’s incorrect, or negotiating a settlement.

States Recovery Systems, 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 find yourself facing any of these situations with States Recovery Systems, 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 States Recovery Systems, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector 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 States Recovery Systems 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.
  • States Recovery Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • States Recovery Systems 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.
  • States Recovery Systems cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove States Recovery Systems From Your Credit Report Today!

Lexington Law can assist you in disputing States Recovery Systems collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.