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How To Settle Debt With Recovery Solutions

George Simons | December 19, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Settle with Debt Recovery Solutions by validating the debt, negotiating a settlement, or requesting a pay-for-delete. Respond promptly to protect your credit. Use SoloSettle to negotiate and streamline the process.

If you receive calls from a company called Debt Recovery Solutions, you most likely have one or more unpaid bills to deal with. Debt Recovery Solutions is a third-party collector hired by businesses to get customers to pay their past-due bills, including everything from credit card debt to hospital bills to utility fees.

If you receive calls from them, it could signify that your credit is in jeopardy. When Debt Recovery Solutions is hired by an organization to recover an outstanding debt, they must contact and report it to major credit agencies. This is referred to as a collection account, and it can harm your credit score for up to seven years.

While you may be concerned and somewhat scared of the repercussions, don't panic. You can take steps to protect your assets from Debt Recovery Solutions and settle the debt without worrying about legal action.

Settle debt with Recovery Solutions

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Debt Recovery Solutions?

Debt Recovery Solutions is a mid-sized debt collection agency based in Syosset, NY that was founded in 2002. The agency has a relatively small staff for its annual revenue, with approximately 18 people employed at their headquarters location and overall annual revenue of about $2.1 million from debt collection practices.

Contact Debt Recovery Solutions at this address

If you are trying to contact Debt Recovery Solutions to ask them to validate a debt, discuss a settlement offer, or dispute a debt, use the contact information listed below:

  • Address: 6800 Jericho Turnpike, Suite 113E, Syosset NY 11791
    Phone number: (800) 851 - 9592
    Email: compliance@dbtsolutions.com
    Website: https://www.dbtsolutions.com

Who does Debt Recovery Solutions collect for?

Debt Recovery Solutions collects for many companies operating in different sectors of the economy, including credit card debt, hospital bills, utility fees, and so forth.

Read Debt Recovery Solutions reviews online

Looking for insight about what other people have shared about discussing a debt collection matter Debt Recovery Solutions? If so, check out these real online reviews:

The online reviews of Debt Recovery Solutions are, to be generous, a mixed bag. Nevertheless, there are reviews showing that people can have a productive experience interacting with Debt Recovery Solutions. Take, for example, the review posted by a borrower named Dee:

“I had a bit of an issue with the reps not doing as they said they would do...email me receipt of payment. So I went above them and contacted the CEO Zach S, whom was very prompt with correspondence and got things taken care of quickly for me. He represents the company very well.”

Dee’s review highlights the fact that engaging with a debt collector is a better strategy than ignoring their outreach and hoping the debt magically disappears. Effective communication is seriously important.

How to get Debt Recovery Solutions off your credit report

Multiple options exist for you as a consumer in order to protect your personal rights. There are steps that can be taken in order to avoid a negative impact on your credit report. Three main ways to protect yourself from Debt Recovery Solutions are::

  • Request a Goodwill Deletion
  • Ask for a pay-for-delete agreement
  • Make them validate the debt

These avenues can help you navigate these complicated processes and better protect yourself as a consumer. Now, let's break these options down a little further.

Ask for a pay-for-delete agreement

The most common type of settlement with debt collectors is a pay-for-delete agreement.

This type of settlement entails paying Debt Recovery Solutions for the debt in exchange for the account being deleted and the collection removed from your credit report. These are difficult to develop with debt collectors, as this could set a precedent for other consumer account removals (and limit the amount of money that can gain from these accounts).

Once an agreement has been met that satisfies both parties involved, the full terms and conditions should be gained and retained for your purposes in order to be able to back up claims in the future.

Request a goodwill deletion from Debt Recovery Solutions

If your debt was caused by circumstances beyond your control, you might be able to request a goodwill deletion from Debt Recovery Solutions.

Goodwill deletions are exactly what their name implies. They will agree to remove their collection account from your credit report as a gesture of goodwill. While this may appear to be a simple and easy process, it is actually more complicated than you might think.

Before requesting a goodwill deletion, you must have paid the entire balance owed to Debt Recovery Solutions. This is an obvious financial barrier for some, and it may not even be beneficial to your credit in the long run to pay so early.

With this option, there is also an expectation to provide definitive proof of what initially caused late or delinquent payments. For example, you would need to provide documentation if you were laid off from your job, experienced a significant life change, or anything that caused subsequent inabilities to pay.

Send a Debt Validation Letter to Debt Recovery Solutions

To avoid abusive debt collection practices and the possibility of a consumer paying a debt they do not owe, federal law gives you the right to request debt validation within 30 days of hearing from a debt collector.

This is referred to as exercising your Section 609 rights or requesting debt validation. You have the right to see documentation from the debt collector proving the validity of their claim, whether you are disputing the claim in full or just a portion of it.

If they can't produce the goods to prove you owe the money, Debt Recovery Solutions will be forced to abandon their collection efforts against you and close their file.

You can request a debt validation by sending a debt validation letter to Debt Recovery Solutions. These letters serve a useful purpose for protecting consumer interest.

Section 609 of the Fair Credit Reporting Act (FCRA) states that debt collectors are not permitted to report false, inaccurate, or late information about a consumer's debt.If Debt Recovery Solutions is found to be reporting incorrect information, they must immediately remove their account from your report and cease collection efforts.

This is a way to avoid paying the debt entirely on the basis of a technicality. To learn more about Debt Validation Letters, watch this video:

Negotiate a debt settlement with Debt Recovery Solutions

If Debt Recovery Solutions is able to validate your debt, then you must repay it. This is the time to work out a settlement agreement. SoloSettle makes it easy to begin the settlement negotiation process. Our software helps consumers send and receive settlement offers to debt collectors in a matter of minutes.

Many debt collection agencies, like Debt Recovery Solutions, purchase debt from credit card companies and banks for as little as 8% of the original debt amount. This means that when they come after you to collect the debt, they will make a huge profit when you pay the debt in full.

For this reason, you should avoid making any payments with Debt Recovery Solutions until you have at least discussed a settlement offer. Often, debt collectors will settle for 1%-60% of the debt. Explain your financial situation, and see if DRS will accept a lump sum payment.

Make sure to keep a paper trail of all communications with Debt Recovery Solutions. Keep documentation of any settlement agreement that is made, in case they try to go back on their word. To learn more about how SoloSettle can help you settle your debt for good, check out this video:

What if Debt Recovery Solutions is suing me?

Debt collection practices can be stressful and overwhelming to deal with. It is imperative to take the appropriate steps to validate any debt from third-party debt collectors to ensure you are not paying balances that you do not owe.

Additionally, if you have exhausted all other resources and find yourself sued for a debt, don't panic. Every year, approximately ten million Americans are sued for debt. 90% of them lose by default because they don't know how to respond and have only 14-30 days to do so.

This is where Solo can help!

The first step to beating Debt Recovery Solutions in court is to draft and file a written Answer to the lawsuit. Just respond to a few basic questions about your case, then prepare a response and instructions on how to file based on your personalized responses.

Protect your assets, take control of your finances, and relax again! We can help.

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