Express Recovery Services, Inc. is a Utah third-party collection agency that has operated since 1996 and serves healthcare and utility clients in the Intermountain West. If it contacts you, the account most likely began with a Utah medical provider or utility.
- Type
- Collection agency
- Also known as
- Express Recovery Services, Inc.; Clear Management Solutions
- Headquarters
- West Valley City, UT
- Collects
- medical bills, utility bills
- Phone numbers it lists
- (800) 238-5888
- Website
- expressrecovery.com
171 debt collection complaints were sent to the Consumer Financial Protection Bureau about Express Recovery Services, Inc. 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 Express Recovery Services?
Express Recovery Services, Inc. says it is "based in Salt Lake City, Utah" and has served clients "since 1996" across the Intermountain West. Its BBB profile gives a January 1996 incorporation date, a street address on Decker Lake Drive in West Valley City, a mailing address in Salt Lake City, and an alternate business name, Clear Management Solutions. The BBB describes the company as a third-party debt collector that primarily serves the healthcare market and lists Danny Rich as president.
Why Express Recovery Services May Be Contacting You
The company's website names Questar Gas, Rocky Mountain Power and University of Utah Health Care as partners. So a letter or call from Express Recovery most likely concerns:
- a hospital, clinic or physician balance from a Utah healthcare provider, or
- a final gas or electric bill left after you closed service or moved.
Not every account will involve one of those named partners, but the creditor name on the notice will tell you which one applies.
How to Check a Debt Express Recovery Services Says You Owe
- Start with the validation notice. It must name the creditor, itemize the debt and give the end date of your dispute window (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- For a utility account, ask for the service address, the dates service was in your name and the final meter reading. Balances sometimes carry over from a roommate or a prior tenant.
- For a medical account, ask for the itemized bill and compare it to your insurer's explanation of benefits. Unbilled or misbilled insurance is a common reason a balance is wrong.
- Dispute in writing before the deadline. Express Recovery must then stop collecting until it sends verification.
- Know the time limits. If you are sued in Texas, the general limitations period for consumer debts is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Utah and other states set their own periods.
What Express Recovery Services Can and Can't Do
As an agency collecting debts owed to medical providers and utilities, Express Recovery is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). That means:
- It may not report a disputed balance without noting the dispute (15 U.S.C. § 1692e(8)).
- The three nationwide credit bureaus have said they no longer include paid medical collections or those under $500; see our medical debt reporting update.
- It may not call more than seven times within seven days about one debt without a presumption of harassment (12 C.F.R. § 1006.14(b)(2)).
- Collection texts and emails must include a simple way to opt out; read our Q&A on collection texts and emails.
We did not find a CFPB enforcement action against Express Recovery Services. If you have concerns about how it contacted you, visit 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 Express Recovery Services 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
- Express Recovery Services: home page
- BBB business profile: Express Recovery Services Inc.
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Express Recovery Services, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Express Recovery Services has violated any law. Company details change; tell us if something here is out of date.