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.
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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 SRS’s annual revenue at $401,000 and the size of its headquarters staff at 5 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.
SRS’s 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.
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
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!
Absolutely. Here are some Sample Cases against Southwest Recovery Services Inc
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.”
Understanding Your Debt Collection Rights
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.
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 receiving 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.
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