TLRA Debt Recovery


Is TLRA Debt Recovery hurting your credit score?

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

Who is TLRA Debt Recovery?

TLRA Debt Recovery, also known as Texas Legal Recovery Agents, is a debt collection agency based out of Houston, Texas. They specialize in collecting outstanding debts that individuals or businesses owe.

You may see them listed on your credit report as a collections account if you have an unpaid bill that has been sent to collections.

Who does TLRA Debt Recovery collect for?

TLRA Debt Recovery is primarily engaged in debt collection for hospitals and other healthcare providers.

Is TLRA Debt Recovery legit or a scam?

TLRA Debt Recovery 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 TLRA Debt Recovery 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.

TLRA Debt Recovery Contact Information


TLRA Debt Recovery
2707 North Loop West, Suite 400
Houston, TX 77008

Phone number: (281) 936-6000

Should I contact or pay TLRA Debt Recovery?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Will TLRA Debt Recovery sue me or garnish my wages?

TLRA Debt Recovery primarily aims to recover the debt by reaching out to debtors through calls, letters, or emails. However, if these measures fail and the debt is significant, they might consider taking legal action, including filing a lawsuit.

If TLRA Debt Recovery decides to sue and wins the case, the court could issue a judgment against you. This judgment could potentially lead to wage garnishment or a lien on your property, depending on the laws in your specific state. Remember, laws regarding debt collection practices and wage garnishment can vary widely from state to state.

However, it’s worth noting that filing a lawsuit is typically a last resort for collection agencies due to the time and costs involved. Often, they prefer to work out a payment plan or settlement with the debtor directly.

TLRA Debt Recovery 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 a debt collector is harassing you, you may want to 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 TLRA Debt Recovery

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 TLRA Debt Recovery 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.
  • TLRA Debt Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • TLRA Debt Recovery 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.
  • TLRA Debt Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove TLRA Collections From Your Credit Report Today!

Credit Saint can assist you in disputing TLRA 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.

Ready to Repair Your Credit?

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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.