Southwest Recovery Services or SRS is a third-party collection agency based in Texas. SRS has received complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and threatening to take actions that cannot legally be taken. If you have been contacted by SRS, make sure you understand your rights before responding.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), Southwest Recovery Services, Inc. is a legitimate collection agency, founded and incorporated in 2004. The BBB established SRS’s profile page in 2005. SRS is listed as a collection agency that uses the alternate business name, Southwest Financial Services. Buzzfile estimates Southwest Recovery Services’ annual revenue at $86,735 and the size of its headquarters staff at 2 employees.
According to its website, Southwest Recovery Services “is a nationally recognized full service accounts receivable management company.” Claiming “over 25 years of debt recovery and account servicing and collection agency experience at all stages,” SRS provides “superior results, transparent pricing, and exemplary customer service…to companies from all industries recovering lost revenue as quickly as possible at the lowest cost while preserving…clients’ public image.”
As a full-service collection agency, Southwest Recovery Services offers a full range of accounts receivable services. SRS’s debt recovery division’s “trained and fully equipped team employs several strategies,” including an early-out debt settlement program; debt negotiation, mediation, and arbitration; pre-legal remedies; and post-legal judgment collections. SRS also offers early-out and revenue cycle management programs for healthcare providers. They also offer administrative support through their debt collection consulting and receivables management programs.
Southwest Recovery Services’ several divisions are active in six distinct industries: apartment complex collections; medical collections; municipal government collections; consumer retail collections; utility service provider collections; and commercial business-to-business collections.
The Southwest Recovery Services website is essentially client-facing. Although their FAQ page provides a link to the federal Fair Debt Collection Practices Act page on the Federal Trade Commission (FTC) website, their Resources page is aimed at potential clients, and there are no reference or links to additional consumer protection resources.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of February 2018, the BBB has given Southwest Recovery Services a rating of D+ and has posted an alert on SRS’s profile page warning site visitors about a pattern of complaints alleging overly aggressive collection activity. The BBB has closed 56 complaints against SRS in the past three years, with 22 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collection services. As of April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 34 complaints against SRS. Justia lists at least 8 cases of civil litigation involving SRS.
Southwest Recovery Services, Inc.
17311 Dallas Pkwy., #235
Dallas, TX 7524
Telephone: (866) 558-3328
Website: https://swrecovery.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SRS 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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. You can sue a debt collector. Here is Sample Complaint:
The BBB has posted the following notice on the profile page for Southwest Recovery Service:
“On May 22, 2015, BBB requested Southwest Recovery Service’s voluntary cooperation in eliminating an identified pattern of customer complaints.
“Specifically, complaints received by BBB allege aggressive collection practices via the telephone.
“After contacting the company in an effort to address these patterns of complaints, BBB did not receive any substantive cooperation in eliminating the underlying cause for this pattern.”
Many of the consumer complaints on SRS’s BBB profile page confirm these allegations. For example, in January 2018, a complainant indicated that he had received deceptive voice mail messages from SRS representatives indicating the complainant was a reference for his son. The complainant was under the impression that the caller was attempting to complete a job application review, when in fact she was attempting to collect a debt. When the complainant called back, he discovered that the Southwest Recovery Service representative “had called other family members in the same manner, including some at work.” The complainant spoke with his son about the call and discovered that the collection effort was “on behalf of a former landlord who alleged that the complainant’s … son broke a lease, which…was untrue.” The complainant’s son had “satisfied a one-year lease and … had gone into a month-to-month. He had provided notice of intent to vacate and was paid in full for that month. In truth, he was owed a refund on deposit.” The complainant further indicated that “regardless of the validity of the debt, the tactic used to make the call…was highly deceptive and clearly intentional.” The complainant indicated that his review of prior complainants against SRS “showed a pattern of highly aggressive and harassing collection tactics which…possibly can be considered harassment under the TX Penal Code.” In addition, the complainant “experienced difficulty trying to track the landlord/management company, presumed to be the client of” Southwest Recovery Service, ultimately discovering there was “no local office address, just a contact number for a manager…found on an unprofessional webpage with little information.” The complainant demanded that “all telephone calls, …as well as…calls to other family members, …cease immediately,” and that if any further calls are made, he would “immediately initiate a complaint through local law enforcement…and also contact the Attorney General’s Consumer Affairs Office.”
In response, SRS indicated that it “had made a note of the complainant … not wanting any further calls in an attempt to leave a message for his son…and that no further calls will be made.”
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
You may have a case, if…
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“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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SRS keeps calling me about a debt that I do not owe. They claim I have a $1,000 debt to a company called EZMoney. I don’t even know what that is and am sure I’ve never done business with a company of that name.
What’s worse is that now, SRS keeps leaving me VMs giving me call back numbers that, when dialed, lead to disconnected numbers. I called their headquarters to try and get an address to send a cease a desist letter to,, and they kept transferring me and putting me on hold for 20 minutes. It’s quite frustrating.
I keep getting calls, one after another, all times of the day – IF I owe, I dont have a problem with paying its the constant harassment, contacting family members, multiple calls, threatening, that is the problem. How can this be ok? How can this business continue to do this to their clients’ customers? Wouldn’t they get a better response if they were a bit more empathetic and more professional. I need to know my rights before I speak to them and provide them with any of my personal information, which they already have, and why haven’t I received any bills via USPS?
These people contacted me by email and said I owed a debt and that they were going to take me to court from a payday loan in the past that I was sure I had paid but they didn’t send a letter and are not calling me. I agreed to start paying on this because I thought I recognized one of the payday loan people but then when I asked them why they didn’t send me a certain letter of notification they got hostile and said they would have my bank account frozen and take me to court. I was going to start paying them $50 a month because I didn’t want them taking my mobile home which isn’t even paid off yet for $1300, I only borrowed $300 in the first place! I am a senior citizen and only have my social security but very computer literate so please tell me that this isn’t for real, that these people are scamming me. They haven’t called anyone in my family because obviously they don’t have that info.
Sea has been calling my job, calling my phone multiple times a day from different numbers! They literally just don’t stop! I’ve told them to stop calling me! A man said we know this is you so stop lying! And that they will sue me! It’s absolutely ridiculous!!
SRS is a joke! They should not be in Business. They called my Daughter and EX husband 10 minutes after leaving me a message on my voicemail. All I know is if they are going around calling family and friends. I can’t trust them with my personal information to even pay them.
These people are calling my parents who live 1000 miles away from me and they have their addresses, phone numbers and everything. I don’t even know my parents address. They’re threatening legal action in states we don’t even live in anymore and this is ridiculous.
This company is calling me multiple times a day from multiple different numbers and will not state who they are.
This SRS company is constantly calling me and everyone in my family with harassing phone calls and messages about me and not once have I talked to anyone because when I call them back they don’t answer or out of the office. They just need to stop! If I ever get to talk to them it won’t be pretty. Even if I did owe them for something I wouldn’t give people like that a penny.
Calling my family I have no debts mesg left said important item came across thier desk they will hold it till end of day than proceeds to call family what can you do about this!
SRS keeps calling me over and over. Somehow they still can call me despite the number being blocked. They call me at early times in the morning. Twice in a row this morning alone. I haven’t answered any of their calls and blocked the number. How is that possible and how do I stop it? I have no debts of any kind.
This company just started calling me literally in the last two weeks. the number they called from is 850/388-6934 but you can’t call that number back. they gave a return number of 469/589-3788. They have called my job at least 8 times in the last couple of weeks and called my parents phone as well. it’s strange that they have not called my cell phone because that is the number I use for everything. They will not state what company they are calling on behalf of but want you to verify your personal information for them. This is crazy! I’ve been the victim of stolen identity and fraud so why would I give my personal info to a company that cannot or will not say who they are representing. I dont even know how they are getting phone numbers to my family and friends. Our creditors, banks, stores we sign up for all these “free stuff” are selling our information to 3rd party companies illegally. It’s a never ending cycle. This is ridiculous and I want them to stop! I need a lawyer to sue SRS for harrassment.
These people are the most unprofessional. They some how got my family members numbers and calling them and threaten them. I tried talking to them but they wouldn’t really tell me much either even if it’s against me. This company is ridiculous
SRS continues to call and are now calling all family members regarding my son and their client. My son has no defaulted debt. He tries to call them and they don’t pick up. Some lady named Vanessa is calling from numbers located in Running Springs and Big Bear. He doesn’t have dealings in those areas. This is really sketchy and harassing.
SRS just called me this morning, twice, at 812am and 815am from a number in my area. The woman’s name was Brandy and she said she has a matter to discuss with me from her office.
I know for a fact, I have nothing out there against me. So this is a total scam.
They are a scam. And trying to get your personal information and your bank card to drain your account. WARNINGS ⚠️
Currently at the hospital with my sister, who is undergoing chemotherapy and is in for a very complicated and delicate surgery that, due to her delicate condition, is being delayed every day until they can get her stable. SRS never contacted me or sent a letter before, and now they are contacting my family directly; I’m not even sure how they got my sister’s cellphone number, but they keep calling her repeatedly regarding my debt, leaving rude voice messages without any further explanation on what they call is in regards of. Yesterday I answered her phone since she was in such a critical state and when I heard they were calling to talk to me, I answered that I was the person that they were calling for, but the wrong phone number since that wasn’t mine but my sisters and we were at the hospital. The person on the phone was extremely rude even though I was compliant and willing to set up a payment plan or something of the sort. The woman on the phone, Jasmine, kept pushing and treating me when I told her that I didn’t have my debe it card handy at the moment since I was at the hospital and that I didn’t feel comfortable giving her any payment information until I had a moment to clear my mind and verify that the debt she was calling about was accurate since the balance sounded higher than my original debt. The situation continue to where she was yielding at me on the phone and when I tried to ask for her name or employee ID to call back she was reluctant to provide either and it took a lot of explaining on my part for her to give me one. I asked for an email, letter or a call back at least two hours later, and instead less than 30 minutes before they called again and didn’t say anything after I said hello.
They are harassing my family and friends, and overcharging me for my initial debt, It almost feels like a scam is there any way to settle my debt with a different agency or get them to at least stop harassing my family?
Call several times a day, call friends and family, they will NOT tell me the “client” they are calling about how am I supposed to tell you and help you if will NOT help me! Get your S#@! together and maybe people would actually be nice to ya’ll and stop hanging up. Good lord!
I just got out of the hospital Friday after a three week stay. Usually I let phone numbers I don’t recognize go to my v/m but right now I’m trying to get caught up on any outstanding business or issues. SRS called me before 9 am this morning (Eastern time). When I answered they hung up so I called back. I told them I had just received an unidentified hang up and asked who they were and how I could assist? The woman asked my name and I verified. She said she would transfer but still no information from her. Another agent answered and I asked who this was and she said SRS. I asked repeatedly what SRS was and she would not explain. Note, I had already identified who I was. She hung up on me. I called back, got another agent, more rude than the last. I asked the same questions and he hung up on me also. I’m pretty cranky by now and I’m ill so my patience is short and limited. I called back for now the 4th time and this agent was rude, aggressive, attempted intimidation and was threatening. I said to not call again and was told they would KEEP CALLING!! Seriously? I never found out what the call was about, nor was I told that it was a recovery service. The last agent told me my question was *personal*. Again, seriously? I’m being called, annoyed, threatened with more calls and told my question to who SRS is was a personal question. I have blocked the number but we all know blocking does not work, spoofing other numbers is entirely to easy. No call lists do not work either. I’m furious right now and not sure what recourse I have, if any.
This is from the SRS website
“* Respect and Courtesy For Patients: Many patients owing delinquent accounts are otherwise conscientious persons experiencing temporary financial difficulties. Other patients have never had nor will ever have the means to pay. Our collectors understand this and are trained to treat every patient with courtesy. This approach often stimulates a non-cooperative patient to make payment, if only to reciprocate respect with respect.”
What a joke. I want to contact them but I’m sure that would be useless
These SRS *** are tying to collect on a debt that I have already paid off by making the payments to that company I owed a debt to, but still lingering on my credit report. It was pulling teeth to get them to say what their company was and who they represented. When they finally told me who their “client” was, I explained that that debt has already been settled and I have a letter from their “client” stating as such. They then claimed that that wasn’t good enough and that their “client” would have to send them proof the debt was settled. I told them to confirm with their “client” then, but the calls to family and to my work and personal phones haven’t stopped.
Got a call by this company several times a week asking to speak with a family member and or her attorney. I called them back and asked them, who are they and what was the call about. The rep that spoke with could not provide me any information because I was not the person that they are trying to contact. I asked them, what is the name of your company, and the rep replied, “SRS”. I then asked, what does that stand for, her reply was, “it’s just “SRS” but they could tell me what it stands for.
You don’t know what your company’s initial stands for? Well, to make a long story short, I told them that this is not her phone number and that not to call me again. Since then, they have call me again, three more times and each time I repeated myself that this is not the number. They claim that they will take my number off and not call me again, however, they called again and keep repeating that they will take my number off but yet to it.
They are calling me. My office number and dozens of family members multiple times a day. When does it end…
I received a call at work, which is not allowed. I’m in the service industry. They called again to my cellphone, I answered. Asked exactly who they were calling for, but would not give me an answer. They asked for my personal information. I stated if they are calling me, they should have my information. Still would not give me information of who they were calling for, told them they can contact my attorney.
Just received a phone call from them as well. The gentleman who answer was not clear when he spoke so I had to ask him several times who he was with. He also asked me if I was the person they called and I answered yes then he told me he couldn’t give me information because I was not the person in question (when I am).
Called my number looking for my mother. I don’t know how they got my phone number. I didn’t speak with them but they left two voicemails stating they need to speak with her or her attorney. When I called them they said they couldn’t tell me any information. I had to google to find out what SRS even is all about, they are collections company.
SRS called lookin for my husband telling me they could not talk to me. After my husband gave them permission to talk to they were rude telling a family member took out a loan in his name but refuse to send me proof. They said they sent a letter out but i ask for them to send me another letter they refused keep saying the sent one and they were not going to send another. I even told them wanted to see proof and was mean. I can not fix anything they are accusing my husband of unless I have proof. Once I ask them how do I know this is not a scam and needed more info still refused, My husband spoke to that person again after two day sent a email of a contract that was done two years ago with his name on it but not the family member. when asking how he got my phone number in the begining he said off the credit report the he called was the first time anyone knew anything about this I would the letter that they said they sent out saying they were going to take action but he will not resend it or even email
They called my cell and left a voicemail saying they need a statement from me or my attorney concerning a legal matter. They have called my brother, ex-wife, mother, and a job that I moved on from 3 years ago. I am still friends with the owner of former job and he gave me a heads up of the message the they left for him.
I answered their call today and they wanted me to “confirm” more like provide them with my DOB and SSN before they would even discuss anything with me. Very rude and now they are forced into “pursuing further legal action against me” before hanging up on me? Upset that I told them they called me so I would not be providing them with any identifying solicited information. Ridiculous!
Same with me they call me they call my family several times I call him back he says he can’t tell me who he’s representing because I waited too long to call them back and they’re not handling it anymore very rude it’s just ridiculous that a company can be open with practice like that
I received a voicemail from them saying they are going to take legal action and i needed to give a statement or have my counsel give a statement. I looked them up and found lots of negative things about them and they never told me the account they are calling in regards to.
This company has been calling my family and bugging them looking for me. Not sure how they got there numbers.
This company left me one message and within 5 minutes had called three family members. It took forever to get the first person to tell me who she worked for and what it was regarding. She kept throwing out words like charged off, prelegal, and automatic debit payments and then told me to prove you will make good on this debt before we have to take it further
I believe it’s this company that’s been calling me and leaving messages – on my cell and at work. They’ve also called my family and friends. Threatening “legal measures.” Stating they need me or my attorney to make a statement. Says his name is Jake Jones specializing in litigation with SRS. Calls from a 630-517-5884 but then leaves a toll free number of 855-421-6414. Never asks for my name or anything. For all I know they could be calling random numbers, leaving general messages. But they’ve called me more than a few times now.
These guys called me twice, then began calling my family. They told me they were a law firm, then said they were taking me to court and i better get a good attorney.
This people has became my bad dream. I call them told to stop after being call at 6 in the morning and calling all my family members. Then saying they absolutely coming to get to take me to court. Take my money blah blah blah!
This company is calling my friends and family, not sure how they got their phone numbers but I am very upset!!