How to Remove TLRA Debt Recovery From Your Credit Report

Updated

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If TLRA Debt Recovery appears on your credit report, it likely means a medical debt has gone to collections. Here’s what to know about them—and how to protect your credit.

Who Is TLRA Debt Recovery?

TLRA Debt Recovery, also known as Texas Legal Recovery Agents, is a debt collection agency based in Houston, Texas. They work with healthcare providers to recover unpaid medical bills.

If you’ve received care from a hospital or medical office and haven’t paid the bill, TLRA may show up on your credit report as a collections account.

Who Does TLRA Debt Recovery Collect For?

TLRA focuses on collecting unpaid debts for healthcare providers, including:

  • Hospitals
  • Clinics
  • Physician practices

They handle past-due medical bills on behalf of these organizations.

Is TLRA Debt Recovery Legitimate?

Yes, TLRA Debt Recovery is a legitimate debt collection company. They are authorized to collect debts for their clients. That said, always verify any debt before making payments to confirm it’s accurate and belongs to you.

How to Remove TLRA Debt Recovery From Your Credit Report

Collection accounts can stay on your credit report for up to seven years, but you do have options to deal with them:

  • Dispute inaccurate information: If details on the account are wrong or the debt isn’t yours, you can file a dispute with the credit bureaus.
  • Request debt validation: You have the right to ask TLRA to prove the debt is yours and confirm the amount.
  • Negotiate a pay-for-delete: Some consumers try to settle the debt in exchange for removal from their credit report, though this isn’t guaranteed.
  • Work with a credit repair company: Professionals can help challenge negative accounts and review your credit report for errors.

Ready to Clean Up Your Credit Report?

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

Should You Contact or Pay TLRA Debt Recovery?

Before reaching out to TLRA, confirm the debt is valid, belongs to you, and is within your state’s statute of limitations. Making payments on old debts can sometimes restart the clock, keeping them on your credit report longer.

Many people work with credit repair experts to avoid missteps when dealing with collectors.

Can TLRA Debt Recovery Sue or Garnish Wages?

TLRA Debt Recovery has the ability to sue for unpaid debts. If they file a lawsuit and win, they may be able to garnish your wages, levy your bank account, or place liens on your property, depending on your state’s laws.

That said, lawsuits are generally a last resort. Most debt collectors prefer to negotiate a payment plan or settlement before taking legal action.

TLRA Debt Recovery Contact Information

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

Phone: (281) 936-6000

Complaints About TLRA Debt Recovery

Debt collection agencies often receive complaints with the Consumer Financial Protection Bureau and Better Business Bureau. Common issues include:

  • Incorrect information on credit reports
  • Harassing phone calls
  • Failure to verify debts

If your rights are being violated, you can file a complaint with these agencies.

Know Your Rights When Dealing With TLRA Debt Recovery

The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with collection agencies:

  • They cannot report false or incomplete information
  • You can request debt validation within 30 days of first contact
  • They cannot harass, threaten, or use abusive language
  • They must clearly identify themselves as a debt collection agency
  • They cannot threaten arrest for unpaid debts

Need Help With TLRA Debt Recovery?

Dealing with collection accounts can feel overwhelming, but you don’t have to handle it alone. Credit Saint has helped thousands of people dispute inaccurate credit report entries. They even offer a 90-day money-back guarantee for extra peace of mind.

Visit their website or call (855) 281-1510 to find out how they can help with your credit challenges.

Brooke Banks
Meet the author

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.