If TRS Recovery Services shows up on your credit report, it can hurt your credit score and affect your ability to get approved for loans, credit cards, or other accounts. Here’s what you should know and how to deal with them.
Who Is TRS Recovery Services?
TRS Recovery Services, Inc. is a debt collection agency based in Marietta, Georgia. They help businesses recover unpaid debts, especially those linked to bounced checks or insufficient funds.
If they appear on your credit report, it likely means an unpaid account has been sent to them for collection.
Who Does TRS Recovery Services Collect For?
TRS Recovery Services primarily works with:
- Retailers such as Amazon, Meijer, and Walmart
- Companies needing check recovery services
- Financial institutions and lenders
If you’ve had issues with bounced checks or unpaid debts in these areas, your account may have ended up with TRS Recovery Services.
Is TRS Recovery Services Legitimate?
Yes, TRS Recovery Services is a legitimate debt collection agency. They are authorized to collect debts for their clients. That said, you should always verify any debt before making payments, as credit reports can contain mistakes or outdated information.
How to Remove TRS Recovery Services From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to remove them sooner:
- Dispute the Account: If the account is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can do this yourself or work with a credit repair service.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account from your credit report in exchange for payment. Get this in writing before sending money.
- Work With a Credit Repair Company: Professionals challenge negative marks on credit reports every day and can help improve your credit.
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 TRS Recovery Services?
Before contacting TRS Recovery Services or making a payment:
- Confirm the debt belongs to you.
- Verify the amount is accurate.
- Be aware that making payments can restart the statute of limitations in some states.
Many people choose to work with credit repair experts to handle collection accounts like TRS Recovery Services.
Can TRS Recovery Services Sue You or Garnish Wages?
Yes, TRS Recovery Services has the legal right to sue you over unpaid debts. If they win a judgment in court, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
These actions depend on your state laws and usually happen only after other collection efforts have failed. Most agencies prefer to settle debts or set up payment plans before going to court.
Complaints About TRS Recovery Services
TRS Recovery Services has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect information reported to credit bureaus
- Harassment or excessive phone calls
- Failure to verify debts properly
If your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With TRS Recovery Services
You are protected under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws ensure that:
- Debt Validation: You can request proof the debt is yours and accurate. Send a written debt validation letter, and they must respond within 30 days.
- No Harassment: TRS Recovery Services cannot threaten, harass, or repeatedly call you.
- Clear Communication: They must identify themselves as a debt collector and notify you of your rights.
- No Arrest Threats: Debt collectors cannot threaten to have you arrested over unpaid debts.
Knowing your rights can help you handle collections and protect your credit.
TRS Recovery Services Contact Information
Address:
TRS Recovery Services, Inc.
1600 Terrell Mill Rd
Marietta, GA 30067
Phone Number: (585) 613-1571
Need Help Removing TRS Recovery Services From Your Credit Report?
If TRS Recovery Services is damaging your credit, you don’t have to manage it alone. Credit Saint has over 15 years of experience helping people challenge negative accounts on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to learn more.
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.
