Midwest Receivable Solutions, LLC is a collection agency in Kalamazoo, Michigan. It offers early-out, third-party and second-placement collections for utility, healthcare, government and insurance clients.
- Type
- Collection agency
- Also known as
- MIDWEST RECEIVABLE SOLUTIONS LLC; Southwest Receivable Solutions, Inc.
- Headquarters
- Kalamazoo, MI
- Collects
- utility bills, healthcare bills, government receivables, insurance accounts
- Website
- midwreceivable.com
82 debt collection complaints were sent to the Consumer Financial Protection Bureau about MIDWEST RECEIVABLE SOLUTIONS 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 Midwest Receivable Solutions?
Midwest Receivable Solutions, LLC is a collection agency based in Kalamazoo, Michigan. Its Better Business Bureau profile lists the business address as 1141 S. Rose Street, Kalamazoo, Michigan 49001, gives a start date of 2010 and an LLC formation date of 2012, and names Jason Tell as owner. The BBB also lists the alternate name Southwest Receivable Solutions, Inc. and the phone number (888) 662-1610.
The company's website says it is entirely U.S.-based, serves clients nationwide and has management with more than 75 years of combined experience. It has a consumer help section for people with personal accounts and a separate section for business clients.
We did not find a CFPB enforcement action against Midwest Receivable Solutions.
Why Midwest Receivable Solutions May Be Contacting You
The company lists six service lines: utilities, healthcare, government, insurance, early-out collection and second placement. That tells you a lot about the kind of contact you might get:
- Early-out: it may contact you for a provider or utility before the account is treated as a collection account.
- Primary collection: a final utility bill after a move, a hospital balance or a government fee may be sent to it after default.
- Second placement: another agency may have worked the account first, and the client then sent it to Midwest Receivable Solutions.
Ask which stage your account is in and which client placed it.
How to Check a Debt Midwest Receivable Solutions Says You Owe
For a utility account, the usual questions are whether a deposit was applied, whether the final meter reading matches your move-out date and whether the bill includes service after you left. Ask for the service address, the dates of service and the final bill.
Once the account is in collection, you should get a validation notice under 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 that identifies the creditor and itemizes the balance. If something is off, dispute in writing before the deadline in the notice. Collection must stop until verification is mailed. If the account was handed off from another agency, ask whether the creditor still owns it.
Keep the statute of limitations in mind. In Texas, the general deadline to sue on a consumer debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and Tex. Fin. Code § 392.307 prohibits debt buyers from suing on time-barred consumer debt. Other states differ.
What Midwest Receivable Solutions Can and Can't Do
When it collects defaulted consumer debts for others, it is a "debt collector" under 15 U.S.C. § 1692a(6). Early-out work on accounts that are not yet in default may fall outside the FDCPA, so ask how the account is classified.
- It may not threaten a lawsuit, credit report or other step that it or its client cannot legally take or does not intend to take (15 U.S.C. § 1692e(5)).
- It may not report a medical collection to credit bureaus before it has communicated with you (12 C.F.R. § 1006.30(a)).
- It is limited to seven call attempts in seven days per debt before harassment is presumed (12 C.F.R. § 1006.14(b)(2)).
- It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
Our FDCPA attorneys page explains how we can help.
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 Midwest Receivable Solutions 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
- Midwest Receivable Solutions: home page
- Midwest Receivable Solutions: What we do
- BBB business profile: Midwest Receivable Solutions
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: MIDWEST RECEIVABLE SOLUTIONS LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Midwest Receivable Solutions has violated any law. Company details change; tell us if something here is out of date.