Specialized Collection Systems: Who They Are and Your Rights

Type

Collection agency

Also known as

Specialized Collection Systems, Inc.; Specialized Collection Systems Inc

Headquarters

Houston, TX

68 debt collection complaints were sent to the Consumer Financial Protection Bureau about Specialized Collection Systems, 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 Specialized Collection Systems?

Specialized Collection Systems, Inc. is a collection agency in Houston, Texas. Texas Secretary of State records show two debt collector bonds in its name, both at 7023 La Entrada, Houston, Texas 77083. The first was filed on November 24, 1993 and cancelled in 1997. The second, file number 970240, was filed on July 25, 1997 and is shown as active. A Texas third-party collector must have a bond on file before it collects in the state (Tex. Fin. Code § 392.101).

The Better Business Bureau lists the company as a corporation with mailing addresses at PO Box 941479, Houston, Texas 77094 and P.O. Box 441508, Houston, Texas 77244. It names Anne Canavespe as vice president and gives a phone number of (281) 933-1355. We could not find an official company website; the BBB points to a page on a third-party payment platform that did not load when we checked. Check any number against your own letter.

A different Houston business, Specialized Billing and Collection Systems of Texas, also has a BBB listing. Don't mix the two up.

Why Specialized Collection Systems May Be Contacting You

We could not verify which businesses Specialized Collection Systems collects for. The reliable way to know who placed your account is the company's own written notice, which must name the creditor. If someone from the agency calls, ask for the creditor's name, the original account number and the amount, and ask for the details in writing before you agree to anything.

How to Check a Debt Specialized Collection Systems Says You Owe

A local agency's letter is often your first notice that a bill went unpaid, so start with the business that billed you.

• Wait for, or request, the validation notice. It must name the creditor and itemize the balance from a set date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if the debt isn't yours, the amount is off, or you already settled it. Collection has to pause until the agency verifies it. Our guide covers how to dispute a debt.
• Get the creditor's own ledger. If the bill came from a Texas hospital or other licensed health care facility, the provider generally must have sent you an itemized bill before pursuing collection; see our note on Texas SB 490.
• Ask who owns the account today, and whether the agency has added anything to the creditor's balance.
• Check the date. Texas generally gives a creditor four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states differ.

What Specialized Collection Systems Can and Can't Do

As an agency collecting for others, it is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)), and the Texas Debt Collection Act also applies.

• It may not call before 8 a.m. or after 9 p.m. your local time (15 U.S.C. § 1692c(a)(1)). See what times collectors can call.
• 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 may not threaten arrest or jail over an unpaid bill (15 U.S.C. § 1692e(4)).
• It may not threaten wage garnishment for an ordinary consumer debt in Texas, where that isn't allowed (Tex. Const. art. XVI, § 28).

We did not find a CFPB enforcement action against Specialized Collection Systems. If its collection efforts crossed the line, see our Texas FDCPA attorneys page.

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 Specialized Collection Systems 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

• Texas Secretary of State: debt collector bond search (Specialized Collection Systems Inc, files 970240 and 930132)
• BBB business profile: Specialized Collection Systems, Inc. (addresses, principals)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Specialized Collection Systems, Inc., debt collection

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