Snap Debt Recovery: Who They Are and Your Rights

Type

Collection agency

Also known as

Snap Recovery, Inc.; Snap Debt Recovery, Inc.

Headquarters

Orlando, FL

Collects

consumer accounts, rent balances, medical bills, tuition balances, judgments, commercial accounts

Phone numbers it lists

(888) 655-7627

Website

snapdebtrecovery.com

37 debt collection complaints were sent to the Consumer Financial Protection Bureau about Snap 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 Snap Debt Recovery?

Snap Debt Recovery is the trade name of Snap Recovery, Inc., a Florida collection agency. Its website gives an office at 6000 Rio Grande Avenue, Suite 103, Orlando, Florida 32809, and its Better Business Bureau profile, which lists the same suite under the Belle Isle mailing city, shows the corporation was incorporated on December 19, 2019 and began business in March 2020. The BBB profile lists Jay McKee as president.

The company says it helps businesses and individuals recover past-due accounts in all 50 states and Canada. It also says it works with a network of affiliated collection law firms when a client wants to take an account to court.

Despite the similar name, Snap Debt Recovery is not Snap Finance, the lease-to-own company. If your account came from Snap Finance, the collector may be someone else entirely, so read the creditor name on your notice.

Why Snap Debt Recovery May Be Contacting You

Snap's FAQ lists the kinds of accounts it handles: consumer, commercial, medical, judgment, rent and tuition balances, among others. That mix means a contact from Snap could concern an unpaid apartment balance after move-out, a school or training program bill, a medical bill, or an older court judgment a creditor asked it to enforce. Because Snap also takes accounts from individuals, the "creditor" might even be a private person or small landlord.

The FAQ says Snap reports unpaid accounts to credit bureaus when early efforts fail, and that a lawsuit is a separate step its client has to authorize. Its main number is (888) 655-7627.

How to Check a Debt Snap Debt Recovery Says You Owe

Rent and tuition balances are some of the most frequently disputed debts, because they often include move-out charges, fees or penalties you never agreed to. Here is how to test the claim:

• Get the validation notice. It must identify the creditor and itemize the balance from a set date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). For a rental debt, compare it with your lease, move-out inspection and deposit accounting.
• Dispute in writing on time. A written dispute inside the validation period stops collection until Snap provides verification.
• Ask who owns the account. Snap says it collects for clients, so the debt should still belong to the landlord, school or business. If it was sold, you can ask for the current owner's name.
• Check the arithmetic. Look for interest, collection fees or attorney fees that your contract does not allow.
• Consider the age. The Texas limitations period for most debt suits is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states set their own periods.

What Snap Debt Recovery Can and Can't Do

As an agency regularly collecting debts owed to others, Snap is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)) for consumer debts. Some practical limits:

• It may not report a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
• It cannot say it will sue unless a lawsuit is actually intended. Even with a Texas judgment, wages generally cannot be garnished for ordinary consumer debts.
• It may not collect charges that are not authorized by your agreement or by law (15 U.S.C. § 1692f(1)).
• Calls are presumptively limited to seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against Snap Recovery, Inc. If its collection efforts concern you, our Texas FDCPA attorneys can review the facts, and our debt lawsuit questions page covers what to do if you are sued.

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 Snap Debt Recovery 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

• Snap Debt Recovery: home page
• Snap Debt Recovery: About
• Snap Debt Recovery: FAQ
• BBB business profile: Snap Recovery, Inc. (facts only)
• CFPB enforcement actions list
• CFPB Consumer Complaint Database: Snap Recovery, Inc., debt collection

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