Louisiana Recovery Services, Inc. (LRS) is a debt collection agency in Lafayette, Louisiana, in business since 1990 and incorporated in 1998. It also uses the name Credit Bureau of Lafayette.
- Type
- Collection agency
- Also known as
- Louisiana Recovery Services Inc.; LRS; Credit Bureau of Lafayette; LRS Debt Collection Group
- Headquarters
- Lafayette, LA
71 debt collection complaints were sent to the Consumer Financial Protection Bureau about Louisiana 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 Louisiana Recovery Services?
Louisiana Recovery Services, Inc. is a collection agency in Lafayette, Louisiana. Its Better Business Bureau profile gives these facts:
- Address: 1304 Bertrand Drive, Suite F-4, Lafayette, Louisiana 70506.
- Business started in 1990 and incorporated in April 1998.
- Alternate names: Credit Bureau of Lafayette and LRS, with LRS Debt Collection Group shown as the parent brand.
- Phone numbers: (337) 233-6300 and (877) 277-6300.
- Principal contact: Dallas Hains, COO.
We could not load the company's own website to confirm its phone numbers or client list, so this profile relies on the BBB listing for basic facts. We did not find a CFPB enforcement action against Louisiana Recovery Services.
Why Louisiana Recovery Services May Be Contacting You
The BBB describes LRS as providing debt collection services for delinquent accounts. We could not verify which creditors or industries it works for. If you get a call or letter from LRS, or from the Credit Bureau of Lafayette, ask:
- Which business placed the account and what the original account number is.
- Whether that business still owns the debt.
- The date of service or the date of the last payment.
An older name like "Credit Bureau of Lafayette" can be confusing. It is a collection agency name, not one of the three national credit reporting companies.
How to Check a Debt Louisiana Recovery Services Says You Owe
Wait for, or ask for, the written validation notice. It must list the creditor, the itemized balance and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Small local accounts, such as a clinic visit, a dental bill or a final bill from a local service, are often for amounts you can check against your own receipts or bank records. Do that before paying.
If the account isn't yours, the amount is wrong or you already paid, dispute it in writing within the validation period. LRS must then stop collecting until it mails verification.
Keep the age of the debt in mind. In Texas, a suit on most consumer debts must be filed within 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). Louisiana and other states use their own limitation periods.
What Louisiana Recovery Services Can and Can't Do
As a collection agency collecting debts owed to others, LRS is a "debt collector" under 15 U.S.C. § 1692a(6) when the debt is a consumer debt.
- It must tell you in its communications that it is a debt collector (15 U.S.C. § 1692e(11)).
- It may not call you at work if it knows or has reason to know your employer prohibits it (15 U.S.C. § 1692c(a)(3)).
- It may not report a medical debt before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
- It may not place more than seven calls in seven days on the same debt without a presumption of harassment (12 C.F.R. § 1006.14(b)(2)).
Read more on our 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 Louisiana 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
- BBB business profile: Louisiana Recovery Services, Inc.
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Louisiana 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 Louisiana Recovery Services has violated any law. Company details change; tell us if something here is out of date.