Millions of Americans are in debt and that are in the process of collection. If you’re receiving information about a company named TRS Recovery Services, you’re not alone.
Working with a debt collection company can strain you to the max. But , you can stop collection efforts with a sequence of steps.
This guide will go over the information you must be aware of regarding TRS Recovery Services. The guide will also outline how to remove this business from your credit file, which could improve your credit score substantially.
About TRS Recovery Services, Inc.
TRS Recovery Services, Inc. is a small debt collection firm that was founded in 1989. The headquarters of the company are located at Marietta, Georgia. You can reach TRS via the email address the website offers for inquiries:
TRS Recovery Services, Inc.
Attention: TRS Resolutions Department
P.O. Box 674169
Marietta, Georgia 30006
It’s not easy to imagine what small businesses can do to cause such stress to those who are on the responsible for debts from the past. The main office of the company has agreements with call centers which take the calls and mail the letters you’ve probably heard of before.
TRS Recovery has accumulated a many complaints from its customers. Its Better Business Bureau reports 339 complaints against this company in the last three years.
There were at most two civil actions brought by TRS Recovery Services in which it was accused of infringing consumers’ rights under the Fair Debt Collection Practices Act (FDCPA). The violations included calling at unreasonably late hours, not responding to the debt validation request and giving incorrect data to credit bureaus.
TRS Recovery Services and Amazon
Recently, many Amazon customers have come to become aware of TRS Recovery Services as Amazon transfers balances that are not paid to it. In many instances, customers weren’t aware of an issue with their Amazon transactions until they began receiving messages about TRS Recovery. If they accidentally purchased an item using a maxed-out credit card, as an example when the transaction was unsuccessful when the item they purchased was shipped, they’d be owed Amazon money.
We all have multiple payment options saved on Amazon accounts and it’s likely to happen quickly enough. Additionally, Amazon apparently turns accounts over to TRS Recovery within days instead of months, as is the norm with real creditors.
How to remove TRS Recovery Services off your credit report
Whatever the reason you landed to be on TRS Recovery Services’ radar it is likely that you would like to cut ties with the firm and erase the account of collection from your credit report. These are the steps you should follow to handle this and remove the company’s collection account from your credit report.
You should request confirmation of the amount owed
If the goodwill letters does not prompt this Services to delete the negative marks on your credit report then it’s time for you to seek confirmation of the credit card.
The Fair Debt Collection Practices Act allows you to examine evidence that you owe the amount towards the collection agency. The collection agency must give you this evidence whenever you request it when you request it within 30 days after the first hearing by the collection agency.
The FDCPA ensures that you are able to verify debt during the first thirty days following receiving a hearing by TRS Recovery Services. This doesn’t mean that you aren’t able to request the debt after the 30 days have expired. It’s just that TRS isn’t legally obliged to give the documents. Find the sample letter of debt validation here.
TRS Recovery Services should answer your letter with a variety of documents that prove you are owed the amount. When you receive these documents be sure to examine them carefully. If you find any inaccuracies, TRS will have to take the incorrect information off any credit records.
There’s also the possibility that TRS will not be in a position to locate the records, meaning they’ll need to remove any negative marks on your credit report. This is done by all three major credit agencies: Equifax, Experian and TransUnion.
