Debt Recovery Resources: Who They Are and Your Rights

Type

Collection agency

Also known as

Davis & Jones, LLC; Davis & Jones, LLC dba Debt Recovery Resources; DRR

Headquarters

Southlake, TX

Collects

unpaid business-to-business invoices, commercial accounts receivable

Phone numbers it lists

(866) 746-5389

Website

debt-rr.com

34 debt collection complaints were sent to the Consumer Financial Protection Bureau about Davis & Jones, 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 Debt Recovery Resources?

Debt Recovery Resources, or DRR, is a Dallas–Fort Worth area collection agency operated by Davis & Jones, LLC, the name that appears in the CFPB complaint database. Two records connect the names. The Texas Secretary of State shows a debt collector bond filed in 2015 by "Davis & Jones, LLC DBA Debt Recovery Resources" at an Arlington, Texas address (cancelled in January 2022). It also shows an active bond for Davis & Jones, LLC filed April 4, 2022 at 3120 Sabre Drive, Suite 280, Southlake, Texas, which is the office address on DRR's website. The website's online payment link also carries the Davis & Jones name.

The Better Business Bureau lists Debt Recovery Resources as an LLC started on October 23, 2014, with a Fort Worth address, and names Matthew Turner and Joseph C. Noland as owners. DRR's website gives (866) 746-5389 as its phone number and says it began as "an owner-led agency." It also says DRR is not a law firm and that legal work is handled by licensed attorneys it works with.

Why Debt Recovery Resources May Be Contacting You

DRR describes itself as a "commercial-only" collections and receivables company. It lists clients in manufacturing, distribution, logistics and transportation, construction and trades, software, professional services, wholesale supply, and financial and leasing businesses. Its services include collecting past-due invoices, managing receivables for clients, locating debtors and forwarding accounts to attorneys for suit.

So if DRR contacts you, it is probably about an invoice owed by a business you own or run, or a business debt you personally guaranteed. If you think the account is actually a personal or household debt, say so in writing, because that changes which laws apply.

How to Check a Debt Debt Recovery Resources Says You Owe

• Confirm whose debt it is. Ask which entity was billed: your company or you personally. If a guaranty is claimed, ask for a copy of the document you signed.
• Get the invoices and the contract. Compare the purchase orders, delivery records and payment history with the claimed balance, and check whether the contract allows interest, collection fees or attorney's fees.
• If it is a consumer debt, you are entitled to a validation notice and a validation period in which to dispute it in writing (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See how to dispute a debt.
• Check the deadline to sue. Texas generally allows four years to sue on a debt or contract (Tex. Civ. Prac. & Rem. Code § 16.004). The Texas ban on debt-buyer suits over time-barred debt (Tex. Fin. Code § 392.307) covers consumer debts only. Other states set their own periods.

What Debt Recovery Resources Can and Can't Do

The FDCPA protects people who owe consumer debts, meaning obligations incurred mainly for personal, family or household purposes (15 U.S.C. § 1692a(5)). When DRR collects a true business debt, the FDCPA generally does not apply. If it collects a consumer debt for someone else, it is a "debt collector" under 15 U.S.C. § 1692a(6) and must follow these rules, among others:

• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• It may not discuss your debt with your employees or co-workers (15 U.S.C. § 1692c(b)).
• It may not threaten legal action it doesn't intend to take (15 U.S.C. § 1692e(5)).
• For consumer debts in Texas, it may not threaten wage garnishment, which the Texas Constitution doesn't allow for ordinary consumer debts (Tex. Const. art. XVI, § 28).

We did not find a CFPB enforcement action against Davis & Jones or Debt Recovery Resources. If you were contacted about a personal debt and think the rules were broken, 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 Debt Recovery Resources 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

• Debt Recovery Resources: home page (address, phone, payment link)
• Debt Recovery Resources: About us (commercial-only focus, industries)
• Texas Secretary of State: debt collector bond search (Davis & Jones, LLC, files 20220050 and 20150020)
• BBB business profile: Debt Recovery Resources (start date, owners)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Davis & Jones, LLC, debt collection

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