Financial Recovery Services FRS Collections Complaints. Stop the Calls

We help consumers who have complaints about collection harassment.

Financial Recovery Services or FRS is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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Who is Financial Recovery Services – FRS?

Financial Recovery Services or FRS is a third-party collection agency based in Minnesota.  Consumer complaints against FRS allege violations of the Fair Debt Collections Practices Act (FDCPA) such as using false, deceptive, or misleading information to collect a debt. If you have been contacted by FRS about delinquent debts, understand your rights before taking action.

Have questions? Call us now at 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Financial Recovery Services a scam?

They’re legit. span>According to the Better Business Bureau (BBB), Financial Recovery Services, Inc. was founded in 1996 and incorporated a month later. The BBB opened its file on FRS in 1998. FRS may use the alternate business name, Financial Recovery Services of Minnesota, Inc. Buzzfile confirms the founding date of 1996, estimates FRS’ annual revenue at $8.2 million, and estimates the size of its headquarters staff at 80 people.

Throughout its website, FRS indicates its belief that its employees are its strength; its commitment to being the best in the industry; and its expectation of performance and maintenance of high standards of professionalism and integrity.  FRS advertises professional affiliations with the Minnesota Chamber of Commerce, the American Association of Credit and Collection Professionals (ACA); and DBA International.

Financial Recovery Services provides third-party collection services for bank card, retail, installment loan, service contract, and utility companies at early-out, primary, secondary, tertiary, quaternary, and warehouse levels. Their website includes a statement of compliance with the Fair Debt Collection Practices Act (FDCPA), including a link to the website for the Federal Trade Commission (FTC). The “Consumer Path” link appears on many pages throughout the site and leads to a page with FRS’ consumer terms and conditions and a link to the payment portal; however, there no additional consumer resources, and the consumer contact form does not inform consumers of their rights under the FDCPA or similar laws.

How many complaints are there against Financial Recovery Services – FRS?

The BBB has closed 17 complaints against Financial Recovery Services in the past three years, with 7 closed in the past twelve months. Complaints are fairly evenly split between problems with billing and collections and problems with advertising and sales. The Consumer Financial Protection Bureau (CFPB) has logged 50 consumer complaints against FRS since March 2015, including allegations of misrepresentation or threatening to take illegal actions. Justia lists at least 11 cases of civil litigation naming FRS as a defendant.

Financial Recovery Services Inc FRS Contact Information

Financial Recovery Services, Inc.
4510 W 77th St., Ste. 200
Edina, MN 55435-5505
Telephone: (952) 831-4800

Can Financial Recovery Services Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Financial Recovery Services would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Click 844-685-9200 NOW to call us.

Or go ahead and fill out our Contact Form. Our services are absolutely FREE to you.

Can you help me file a No Fee Lawsuit against Financial Recovery Services Inc?

Absolutely. Here are some Sample Cases against Financial Recovery Services Inc

In March 2011 in United States District Court, Southern District of New York, a judge issued an Opinion and Order regarding a class action brought against Financial Recovery Services for alleged violations of the Fair Debt Collections Practices Act (FDCPA). The plaintiff in this case submitted as evidence a debt collection letter from FRS that states a balance due of $567.30 alongside the following language:


The plaintiff alleges that this language is “false, deceptive and misleading because FRS does not add any interest, late charges, or any other charges to the amount of debt it seeks to collect from any consumer.” Because Financial Recovery Services does not add interest, late charges or additional fees; never collects additional amounts after the initially demanded amount has been paid; and does not extend any financial benefit to debtors who pay immediately, the statement violates the FDCPA provision against “false, deceptive, or misleading representation or means in connection with the collection of any debt.” Despite FRS’ motion to dismiss the claim, the court upheld the plaintiff’s complaint and scheduled the matter for a conference.

Financial Recovery Services FRS Calling You?

The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.

The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.

These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.

Want to Stop Financial Recovery Services FRS Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are recieving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.

We can make them STOP!✋

The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.

What Our Clients are Saying

“I would recommend your firm to anyone. You got the debt collectors off my back, and I can finally see the light at the end of the tunnel. Throughout the whole process your staff were professional and courteous. I was blown away by their efficiency as well. Thank you guys so much!”

“I just wanted to take a moment to say thank you! Being in debt is hard enough without being harassed by collection agencies, but thanks to you I no longer have to be a victim. I did not know what to expect when I emailed your company, but from the beginning you guys were on the ball.”

“I would like to thank you and your staff for all the help you’ve provided to me. Honestly, you have a wonderful staff that has dealt professionally and been very empathetic at a time in my life when I hit a speed bump.”

Can You Help Me Delete Financial Recovery Services Inc from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • Doug

    Financial recovery Services inc contact me by mail stating owe $591.00 Says Current creditor LVNV Funding LLC and orginal Creditor was Windstream Communications. Actions. These 2 are not even same company. This first one shows its payday company or a debt collections on a Credit card the 2nd company is a company that provides phone and cable services. So confused how they are saying one company is currwnt and other was orginal when not even same company. Is this a scam?

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