TeleRecovery: Who They Are and Your Rights

Type

Collection agency

Also known as

Telerecovery Corporation; Telerecovery of Louisiana Inc

Headquarters

Kenner, LA

Collects

medical and dental bills, hospital and surgical center balances, education accounts, financial accounts, residential and commercial property balances

Phone numbers it lists

(877) 888-8307

Website

telerecoverycorp.com

155 debt collection complaints were sent to the Consumer Financial Protection Bureau about Telerecovery Corporation 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 TeleRecovery?

TeleRecovery (also written Telerecovery) describes itself as a debt collection agency based at 3800 Florida Avenue, Suite 100, in Kenner, Louisiana, just outside New Orleans. Its website says it has more than 25 years of collection experience and that it recovers money for businesses in Louisiana, Alabama, Mississippi, Florida and the wider Southeast. The company's About page names Kenneth H. Zezulka as chief executive officer and says he founded the business; it does not give a founding year.

The Texas Secretary of State's debt collector bond records list "Telerecovery of Louisiana Inc" at the same Kenner address with an active bond on file, so the company has registered to collect debts from Texas residents. The CFPB complaint database lists the company as "Telerecovery Corporation." We did not find a CFPB enforcement action against TeleRecovery.

Why TeleRecovery May Be Contacting You

TeleRecovery's website lists the kinds of clients it works for: dental practices, hospitals, surgical centers, medical practices, schools, financial institutions, and residential and commercial property owners. In practice, that means a letter or call from TeleRecovery is most likely about an unpaid doctor, dentist or hospital bill, a balance left with a school, a loan or account with a financial company, or money a landlord says you owe after a lease ended.

The site also says TeleRecovery reports accounts to credit bureaus and works with a law firm when a client wants to sue. A collection call is not a lawsuit. If you are ever served with court papers, the deadline to answer runs from the date of service, so read what to do first if you're sued for a debt in Texas.

How to Check a Debt TeleRecovery Says You Owe

Because TeleRecovery collects for many small offices and landlords, the original paperwork is often the key. Start with the written validation notice. Federal law requires a collector to send one within five days of first contacting you (15 U.S.C. § 1692g), and Regulation F says it must name the creditor, give an itemized balance and state the date your dispute period ends (12 C.F.R. § 1006.34). Compare it with:

• For a medical or dental bill: your explanation of benefits from your insurer. Many collection balances are really insurance claims that were denied, never filed, or paid late. Texas law also gives patients rights to an itemized bill before certain medical collection steps; see our update on Texas SB 490.
• For a rental balance: your lease, your move-out inspection and any deposit accounting. Make sure fees and "damages" match what the lease allows.
• For a school or financial account: your last statement and payment history.

If anything is wrong or unfamiliar, dispute it in writing before the validation period ends and ask TeleRecovery to name the current creditor. A timely written dispute requires the collector to pause collection until it mails verification. Keep copies and proof of mailing. Our guide on how to dispute a debt with a collector walks through it.

Check the age of the debt too. In Texas, most suits on a debt must be filed within four years (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 use different limitation periods, so if you lived elsewhere when the debt arose, get advice on which rule applies.

What TeleRecovery Can and Can't Do

A company that regularly collects debts owed to others is a "debt collector" under the Fair Debt Collection Practices Act (15 U.S.C. § 1692a(6)), so the FDCPA applies to TeleRecovery when it collects personal, family or household debts. In practical terms:

• It may not call you more than seven times in seven days about the same debt, or call within seven days after a phone conversation about it (12 C.F.R. § 1006.14(b)(2)). See Regulation F's call, text and email limits.
• It may not discuss your medical or rental debt with your employer, neighbors or relatives, other than to find your contact information.
• It may not add fees or interest that your agreement with the doctor, school or landlord does not allow.
• It may not threaten to sue or to garnish wages unless that action is legal and actually intended. In Texas, wages cannot be garnished for ordinary consumer debts (Tex. Const. art. XVI, § 28).
• You can tell it in writing to stop contacting you, or to stop calling you at work.

If you believe a collector crossed these lines, you can talk with 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 TeleRecovery 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

• TeleRecovery: home page
• TeleRecovery: About
• Texas Secretary of State: debt collector bond search (Telerecovery of Louisiana Inc)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Telerecovery Corporation, debt collection

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