How to Beat DRS Credit

Dena Standley | January 03, 2023

Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by 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.

When you beat DRS Credit in court ^^

Summary: Is DRS Credit suing you for a debt? SoloSuit can help you take a stand and win in court.

DRS, or Dynamic Recovery Solutions, was established in 2008 and has a combined 50 years of debt collection expertise. DRS is a recovery company that collects debt on behalf of a creditor who believes you owe them money. As a result, you may receive harassing phone calls, several past-due notifications, and threatening letters.

Dynamic Recovery Solutions is a collection agency and a debt buyer licensed all across the country. It uses a collection letter series and skip tracing as part of its collections strategy, and it is currently located at:

Address:
Dynamic Recovery Solutions, LLC
135 Interstate Blvd.
Greenville, SC 29615

Phone Number: 844-735-9451

Website: www.gotodrs.com

Is Dynamic Recovery Solutions a genuine company?

Many individuals wonder if Dynamic Recovery Solutions is a fake company. Although you may be tempted to doubt DRS Credit's business tactics, it is a real debt collection agency.

If you demonstrate to the company that you are aware of your consumer rights, it will not violate the law. However, DRS debt collectors may attempt to instill worry and concern in you to get you to settle the old debt and stop the collection calls.

Who do Dynamic Recovery Solutions collect for?

Dynamic Recovery Solutions collects delinquent debts for businesses and industries such as telecommunication service providers, automotive lenders, utility service providers, healthcare and medical service providers, banking and financial services providers, consumer retail lenders, and education lenders.

A number of state-specific disclosures required by law can be found on DRS Credit's consumer rights page. However, its website does not provide links or references to consumer protection services, laws, or enforcement agencies.

Dynamic Recovery Solutions has received many complaints

If you're feeling frustrated by Dynamic Recovery Solutions, you're not alone.

In the past three years, Dynamic Recovery Solutions has received 290 complaints on its Better Business Bureau profile. The Consumer Financial Protection Bureau received 481 complaints against DRS Credit in the same span of time. Most of the complaints concerned the following actions by DRS: reporting incorrect debt information to the credit bureaus, not providing required information about the debt in question, and other violations of the FDCPA.

Let's take a look at a real example.

Example: One consumer who we'll call Sara received dozens of calls and letters from Dynamic Recovery Solutions about a medical debt that her health insurance paid off years before. DRS reported the debt to the credit bureaus, and Sara's credit score dropped dramatically. Nothing was fixed until Sara submitted a formal complaint with the Better Business Bureau.

How do you get Dynamic Recovery Solutions off your credit report?

The process of removing a collection account from your credit report is not as difficult as it might initially appear. Listed below are three steps you can take to restore your credit score.

Request that all correspondence be sent through the mail.
Send a Debt Validation Letter.
Work of a “pay-for-delete” agreement.

Now, let's break down each step in detail.

1. Request that all correspondence be sent through the mail

Request that DRS exclusively communicate with you by letter. According to the Fair Debt Collection Practices Act (FDCPA), you have the right to control the terms of your contact with a creditor or collector.

Through mailed communications, DRS does not have a way to communicate with customers early in the morning or late at night. On the other hand, written communication provides evidence if DRS fails to meet its expectations.

When debt collectors make promises or agreements over the phone, they don't always keep track of what they say. If you file a complaint, the case reviewer may discover that there is no proof that your agreement ever existed. If this occurs, you're right back where you were.

Keeping everything in writing can help you verify you entered into an agreement and fulfilled your half of the bargain if necessary. Furthermore, you would be able to file a complaint with the Federal Trade Commission or the Better Business Bureau if you had written documentation.

2. Send a Debt Validation Letter

Having established written contact, ensure that the debt you are disputing is yours and correct. A credit report error affects one out of every five Americans. Consequently, some of the information on your credit report may not be yours. Be sure to verify that the debt belongs to you.

According to the FDCPA, you have the right to ask a debt collector to verify that the debt is indeed yours. The law requires Dynamic Recovery Solutions to notify you within five days of making contact about your right to verify the debt. If they don't, you should send a Debt Validation Letter to DRS Credit, requesting debt verification.

If DRS cannot establish that you owe them money, request that the collection be dropped in your letter. You should seek validation within 30 days of your first contact with the agency for the best results. DRS may not respond to you if you send your letter after 30 days.

If you discover that the debt is not yours, you must dispute it in writing to Dynamic Recovery Solutions and the credit bureau. The debt should be promptly removed from your credit report since it's not yours.

3. Work out a "pay-for-delete" agreement

Even if you pay off collection accounts in full, they might negatively influence your credit score. That is why a pay-for-delete arrangement should be negotiated in advance.

As its name implies, a pay-for-delete agreement does precisely what it sounds like. The debt collection agency offers to remove the collections account from your credit report if you pay your bills, or a part of your debt, within a certain period of time.

Paying half of the debt to Dynamic Recovery Solutions will clear your credit record and allow you to keep your credit score. Ensure that you have a written agreement in place before making any loan payments. Be sure your contract does not leave room for ambiguity, as agents may try to get around this commitment by using complex language.

Please make the terms clear and concise, such as "DRS will delete this account from my credit records with all three credit reporting bureaus if I pay (a dollar amount) on this account (account number)."

After you've made the payment, wait 30 days to check your credit report. Dynamic Recovery Solutions should have contacted the credit bureau and requested that the collections account be deleted from your credit report within that timeframe.

What if DRS Credit is suing me?

The first step to winning a lawsuit against DRS Credit is to respond to the Summons and Complaint. When you're sued for a debt, you should receive some legal documents in the mail called the Summons (notifies you of the lawsuit) and Complaint (lists the specific claims against you—also known as a Petition in some states). In order to stand a chance in court, you must file a written Answer to the lawsuit.

Follow these three steps to respond to a debt lawsuit against Dynamic Recovery Solutions:

Answer each claim listed in the Complaint.
Assert your affirmative defenses.
File the Answer in court, and send a copy to DRS Credit.

Learn more about these three steps in this video:

Dealing with DRS' debt collectors can be difficult if you are unsure how to respond and what documentation to provide. SoloSuit simplifies the process by providing you with the paperwork you need to fill out. You can use our free Answer form to respond to a lawsuit or the Debt Validation Letter to ask DRS to verify the debt.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate