Recovery One: Who They Are and Your Rights

Type

Collection agency

Also known as

Recovery One, LLC; Recovery One Limited Liability Company

Headquarters

Columbus, OH

Collects

commercial accounts

Phone numbers it lists

(614) 336-4207, (877) 205-2846

Website

recoveryonellc.com

32 debt collection complaints were sent to the Consumer Financial Protection Bureau about Recovery One, 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 Recovery One?

Recovery One, LLC calls itself "an accounts receivable management company." Its mailing address is PO Box 20404, Columbus, Ohio 43220, and it lists (614) 336-4207 and (877) 205-2846 toll-free. The BBB lists a street address at 3250 Henderson Road in Columbus and a business start date of February 1, 1995, and it names Geoff Cameron as president.

The company's website title calls it a "Commercial Collection Agency." Its features are aimed at businesses collecting from other businesses, such as online account placement and a "Business Activity Report" on a commercial customer's finances. Every page also carries the notice that "this communication is from a debt collector." This is not to be confused with similarly named companies, such as the physical-therapy provider RecoveryOne. We did not find a CFPB enforcement action against Recovery One.

Why Recovery One May Be Contacting You

Most of Recovery One's described work is commercial: a supplier or service company hires it to collect an unpaid invoice from a business customer. Its legal page says it forwards accounts to "commercial law league attorneys, as well as professional collection attorneys," located near the debtor. It says it can manage litigation anywhere in the United States, and it mentions international attorneys as well.

Consumers still file complaints about the company. Complaints naming it in the CFPB database come mainly from Ohio, Michigan and Alabama, and most are filed under "other debt" or debts the consumer didn't recognize. If Recovery One contacts you, you may be:

• a business owner or guarantor on a commercial account
• a person whose personal account was placed with it

Ask which one it is, because the answer decides which laws apply.

How to Check a Debt Recovery One Says You Owe

Start by pinning down who the creditor is and what kind of account it is:

• Ask in writing for the creditor's name, the invoices or contract, and a statement of the balance, including any interest or collection costs.
• If it's a personal or household debt, you're entitled to a validation notice and a dispute period (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Use that period to dispute in writing. See how to dispute a debt.
• If it's a business account, check whether you signed a personal guaranty. Without one, an owner usually isn't personally liable for a company's debt.
• Compare the balance with your records, including credits, returns and partial payments.
• Check the age of the claim. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states' periods differ.

What Recovery One Can and Can't Do

When Recovery One collects a consumer debt for a client, it is a "debt collector" under 15 U.S.C. § 1692a(6). Business debts generally fall outside the FDCPA; see whether these laws protect businesses. On a consumer account:

• It can't threaten a lawsuit through its forwarding attorneys unless one is actually intended (15 U.S.C. § 1692e(5)).
• It can't contact third parties about the debt except to locate you (15 U.S.C. § 1692c(b)).
• It can't call more than seven times in seven days about the debt (12 C.F.R. § 1006.14(b)(2)).
• It must stop most contact if you ask in writing (15 U.S.C. § 1692c(c)). See telling a collector to stop.

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 Recovery One 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

• Recovery One: Home
• Recovery One: About
• Recovery One: Contact
• Recovery One: Legal forwarding services
• BBB business profile: Recovery One (business facts only)
• CFPB consumer complaint database: Recovery One, LLC
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: Recovery One, LLC, debt collection

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