Receivable Recovery Services, LLC: Who They Are and Your Rights

Type

Collection agency

Also known as

Receivable Recovery Service, LLC; RRS; RRServices, LLC

Headquarters

New Orleans, LA

Collects

healthcare bills, utility and telecom accounts, student loans and school balances, financial institution accounts

Phone numbers it lists

(800) 459-0116

Website

receivablerecovery.com

27 debt collection complaints were sent to the Consumer Financial Protection Bureau about Receivable Recovery Services, 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 Receivable Recovery Services, LLC?

Receivable Recovery Services, LLC, known as RRS, is a collection agency in the New Orleans area. Its website, which uses both "Receivable Recovery Service" and "Receivable Recovery Services," lists an office at 643 Magazine Street, Suite 300B, in New Orleans and says the company has offices throughout the Gulf South. According to the site, Joe Messina founded the firm in 1986 and is its sole owner and president, and he is a past president of the Louisiana Collectors Association.

The Texas Secretary of State's bond records list "Receivable Recovery Services LLC dba RRServices, LLC" with an active debt collector bond and a Metairie, Louisiana address. We did not find a CFPB enforcement action against Receivable Recovery Services.

Why Receivable Recovery Services May Be Contacting You

The company's About page lists four main client groups: healthcare, utilities (including telecom), education, and financial institutions. It names Stanford University among its education clients and Chase and BB&T among its financial clients, and it lists memberships in healthcare and university business-office associations. It advertises a separate payment site for consumers.

So a letter or call from RRS is most likely about a hospital or doctor bill, a final power, water or phone bill, a student loan or school balance, or a bank account or card.

How to Check a Debt Receivable Recovery Services Says You Owe

Ask RRS to show its work before you pay anything:

• Look for the validation notice required by 15 U.S.C. § 1692g. Under 12 C.F.R. § 1006.34 it must name the creditor, itemize the debt from a reference date, and show the date your dispute window closes.
• Match the creditor to something you recognize. A hospital may bill under a different corporate name than the facility you visited; a utility may use a parent company's name.
• For medical accounts, compare the balance with your insurer's explanation of benefits. For a student loan, check your promissory note or school account. For a bank account, compare the charge-off statement.
• Send any dispute in writing before the deadline and ask who owns the account now. Collection stops until verification is mailed. Our guide on disputing a debt has the steps.
• Note the date of default. In Texas, suits 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 different periods. Many federal student loans have no limitations period (20 U.S.C. § 1091a).

What Receivable Recovery Services Can and Can't Do

RRS collects debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6) for consumer accounts. Some practical rules:

• It must identify itself as a debt collector and may not use a name that hides who it is.
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)), or at times it knows are inconvenient. See what times collectors can call.
• Medical collections have special credit-reporting treatment; see medical debt reporting changes.
• It may not threaten to garnish wages for an ordinary consumer debt in Texas, where that isn't allowed (Tex. Const. art. XVI, § 28).
• You can tell it in writing to stop contacting you, though the creditor may still pursue the debt in other lawful ways.

If a collector's conduct concerns you, our Texas FDCPA attorneys can help you sort it out.

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 Receivable Recovery Services, LLC 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

• Receivable Recovery Service: home page
• Receivable Recovery Service: About us
• Texas Secretary of State: debt collector bond search (Receivable Recovery Services LLC dba RRServices, LLC)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Receivable Recovery Services, LLC, debt collection

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