S&S Recovery, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

S & S Recovery, Inc.

Headquarters

Memphis, TN

Collects

Federal Perkins Loans, institutional student loans, student account receivables

Phone numbers it lists

(800) 467-1144

Website

ssrecoveryinc.com

121 debt collection complaints were sent to the Consumer Financial Protection Bureau about S & S Recovery, 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 S&S Recovery, Inc.?

S&S Recovery, Inc. is a collection agency at 2814 Stage Center Drive in Memphis, Tennessee. Its website says it was founded in December 1984 as a full-service collection company and has collected Federal Perkins and National Direct Student Loan accounts since 1985. The company says that all of its clients are higher-education institutions and that it is licensed by the Tennessee Collection Service Board.

S&S Recovery has also registered in Texas: the Texas Secretary of State's debt collector bond records show an active bond for S & S Recovery Inc, with an older Bartlett, Tennessee address. We did not find a CFPB enforcement action against S&S Recovery.

Why S&S Recovery May Be Contacting You

If S&S Recovery has your name, a college or university almost certainly placed the account. The website describes collecting student account receivables (for example, unpaid tuition or fees left on a student account) and student loans that schools make or hold themselves, especially Federal Perkins Loans. It advertises options for those loans such as payment plans, rehabilitation, consolidation, deferment and forbearance, as well as litigation services, skip tracing and credit reporting for its clients.

A common reason borrowers hear from a school's collector is a registration or transcript hold. Paying or arranging to pay may matter to you for that reason, but you are still entitled to see proof of the balance first.

How to Check a Debt S&S Recovery Says You Owe

Student debts are easy to confuse, so pin down exactly which account this is. Read the validation notice S&S Recovery must send under 15 U.S.C. § 1692g and Regulation F (12 C.F.R. § 1006.34). It should name the school and give an itemized balance. Then:

• Check whether the debt is a Perkins Loan, a school's own loan, or a student account balance. These are different debts with different rules.
• Compare the principal, interest and any collection costs with your loan promissory note, your school's account statement, and the Federal Student Aid records for any federal loans.
• Ask whether the school still holds the loan or whether it was assigned to the U.S. Department of Education, which changes who you deal with.
• If you dispute any part of it, send a written dispute within the validation period. The agency must then stop collecting until it mails verification. See how to dispute a debt with a collector.

A caution on deadlines: federal law removes the statute of limitations for many federal student loans, including Perkins Loans (20 U.S.C. § 1091a). A school's own loan or an unpaid tuition balance is usually a different story. In Texas, a suit on a contract debt generally must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods, so get advice if the school or your residence was elsewhere.

What S&S Recovery Can and Can't Do

Because S&S Recovery collects debts owed to schools, it is a third-party "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA covers its collection of student debts. That means:

• It may not misstate the amount or the legal status of your loan, or claim that the school can take actions it cannot take.
• It may not call more than seven times in seven days about one account (12 C.F.R. § 1006.14(b)(2)). Our Regulation F update explains the limits.
• It may not tell your parents, roommates or employer about the debt, except to locate you.
• It can only collect fees the loan or enrollment agreement authorizes.
• Federal student loan collection has its own rules, including administrative offset and wage withholding that work differently from ordinary consumer debt. See our update on student loan involuntary collections. For non-federal debts, Texas does not allow wage garnishment for ordinary consumer debts (Tex. Const. art. XVI, § 28).

Questions about how a collector treated you? Contact our Texas FDCPA attorneys.

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 S&S Recovery, Inc. 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

• S&S Recovery: home page
• S&S Recovery: Who We Are
• Texas Secretary of State: debt collector bond search (S & S Recovery Inc)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: S & S Recovery, Inc., debt collection

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