Southwest Recovery Services: Who They Are and Your Rights

Type

Collection agency

Also known as

Southwest Recovery Services, LLC; SWRS

Headquarters

Addison, TX

Collects

medical and dental bills, utility bills, property management and landlord balances, gym and membership dues, private school tuition, retail and buy-now-pay-later accounts

Phone numbers it lists

(866) 551-4684, (866) 837-3065, (866) 558-3328

Website

swrecovery.com

492 debt collection complaints were sent to the Consumer Financial Protection Bureau about Southwest Recovery Services, 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 Southwest Recovery Services?

Southwest Recovery Services, LLC, which often goes by SWRS, is a debt collection and accounts receivable management firm headquartered at 16200 Addison Road, Suite 260, in Addison, Texas, just north of Dallas. Its website says Steven Dietz founded the company in Addison in 2004 and that it has grown to twelve offices in Texas, Georgia, Missouri, Florida, Oklahoma, Ohio, Colorado and Minnesota. It says it is a member of ACA International and is licensed and bonded where required.

SWRS handles commercial (business-to-business) collections as well as consumer accounts, and it also offers first-party collections, revenue-cycle management and skip tracing. Its customer support page states that it does not collect consumer debt in Washington or Oregon. The CFPB complaint database lists it as "Southwest Recovery Services, Inc."

Why Southwest Recovery Services May Be Contacting You

On its own "verify a call" section, SWRS says it collects for "hospitals, utilities, property management companies, commercial vendors, and others." Its consumer-collections page adds medical and dental practices, landlords, gyms and membership clubs, schools, retail businesses, service subscriptions and buy-now-pay-later lenders. A call from SWRS might be about a dental bill, a balance from a former apartment, an unpaid gym contract or a final utility bill, often from a business here in Texas.

The company's site lists (866) 551-4684 for consumer questions, (866) 837-3065 for customer service and (866) 558-3328 for payments.

How to Check a Debt Southwest Recovery Services Says You Owe

Small-business accounts like gym memberships and dental bills can be thin on paperwork, which makes verification especially worthwhile.

• Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should identify the business that placed the account and show how the balance was calculated.
• Dispute in writing by the deadline in the notice if something's wrong, and keep proof of mailing. SWRS then has to pause collection until it verifies the debt.
• For a gym or membership contract, find the cancellation terms and any written cancellation you sent. For a dental or medical bill, ask for the itemized statement and your insurance explanation of benefits.
• For a landlord balance, request the move-out statement and the security deposit accounting the landlord owed you under Tex. Prop. Code § 92.104.
• Confirm who owns the account now, and check its age. Texas generally gives a creditor four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states apply their own limitation periods.

What Southwest Recovery Services Can and Can't Do

Because SWRS collects consumer accounts owed to its clients, it is a "debt collector" under 15 U.S.C. § 1692a(6) of the FDCPA, and the Texas Debt Collection Act also applies to third-party collectors in Texas. Specific limits to know:

• It can't add collection fees or interest that the original contract and the law don't allow (15 U.S.C. § 1692f(1); Tex. Fin. Code § 392.303(a)(2)).
• It can't call before 8 a.m. or after 9 p.m., or at work if your employer prohibits such calls (15 U.S.C. § 1692c(a)).
• No more than seven calls in seven days on one debt (12 C.F.R. § 1006.14(b)(2)); see our Regulation F summary.
• Medical collections under $500, or paid in full, generally don't appear on credit reports under the bureaus' policies; see the reporting changes.
• Texas doesn't allow wage garnishment for these kinds of consumer debts.

If you believe SWRS crossed one of these lines, our Texas FDCPA attorneys can review what happened.

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 Southwest Recovery Services 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

• Southwest Recovery Services: home page
• Southwest Recovery Services: About
• Southwest Recovery Services: Consumer collections
• Southwest Recovery Services: Customer support
• CFPB Consumer Complaint Database: Southwest Recovery Services, Inc., debt collection

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