Credit Recovery Systems: Who They Are and Your Rights

Type

Collection agency

Also known as

Credit Recovery Systems LLC; Credit Recovery Systems, LLC; Credit Recovery Services

Headquarters

West Seneca, NY

Phone numbers it lists

(888) 920-5262

Website

creditrecoverysystems.net

52 debt collection complaints were sent to the Consumer Financial Protection Bureau about Credit Recovery Systems LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Credit Recovery Systems?

Credit Recovery Systems LLC is a debt collection agency in western New York. Its website calls it "a professional debt collection agency" and gives one phone number, (888) 920-5262, plus a support email address and an online payment portal. The site doesn't list a street address or the creditors it works for.

Public records fill in some details. The Texas Secretary of State shows an active Texas debt collector bond for Credit Recovery Systems LLC at 550 Center Road, West Seneca, New York 14224 (file 20220120, filed September 19, 2022), and an earlier bond at the same address that was cancelled in 2021. The Better Business Bureau gives a start date of April 12, 2013, lists Joseph Coffman as owner, shows mailing addresses in West Seneca and Derby, New York, and lists "Credit Recovery Services" as an alternate name. New York City's consumer protection agency issued it a debt collection agency license in 2017; that license is shown as expired.

Unrelated agencies use similar names, such as Debt Recovery Solutions, so check the West Seneca address and the phone number on your letter.

Why Credit Recovery Systems May Be Contacting You

We could not verify which creditors or industries Credit Recovery Systems works for. Its contact with you is most likely about an account a lender or other business turned over for collection. Its first written notice must name the creditor; until you have that, don't confirm personal information or agree to pay on a phone call. A legitimate collector can always put the details in writing.

How to Check a Debt Credit Recovery Systems Says You Owe

• Insist on the written validation notice. It has to identify the creditor, give an itemization date and show how the balance changed since then (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Send a written dispute within the validation period if you don't recognize the account. The agency must stop collecting until it verifies the debt. Here is how to dispute a debt.
• Ask who owns the debt now. If a debt buyer bought it, ask for the original creditor's name and account number.
• If it's a short-term loan, compare the balance to the loan contract and your payment history, and see whether a payday or installment lender can sue.
• Watch the calendar. In Texas, suit on most consumer debts must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.

What Credit Recovery Systems Can and Can't Do

An agency that collects debts owed to others is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)).

• It must tell you it is a debt collector (15 U.S.C. § 1692e(11)).
• It may not threaten a lawsuit it doesn't intend to file (15 U.S.C. § 1692e(5)).
• It may not call you at work once it knows your employer doesn't allow it (15 U.S.C. § 1692c(a)(3)).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against Credit Recovery Systems. If you believe it broke these rules, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Credit Recovery Systems or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Credit Recovery Systems: home page
• Credit Recovery Systems: contact page
• BBB business profile: Credit Recovery Systems, LLC (start date, addresses, alternate name)
• Texas Secretary of State: debt collector bond search (Credit Recovery Systems LLC, file 20220120)
• NYC DCWP license record 2051260-DCA (NYC Open Data)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Credit Recovery Systems LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Credit Recovery Systems has violated any law. Company details change; tell us if something here is out of date.