Dena Standley | November 17, 2022
Summary: TRS recovery services have a reputation for using sketchy methods to collect a debt. They may sue you, but in 15 minutes, you can draft and file your Answer with SoloSuit and be on your way to winning your case. Find out more below.
Americans' purchasing power has increased, thanks to credit, allowing them to buy homes, cars, and other goods utilizing a “buy now pay over time” method. But consumer debt was $16.5 trillion as of September 2022, with the average American debt among consumers being $96,371.
Don't be surprised if you hear from a company called TRS Recovery Services because Amazon (a favorite) and other online retailers hire TRS to collect their debts. Whenever a transaction fails for any reason, including insufficient funds in your account, or incorrect entry of your account number, it will be transferred to TRS Recovery Services for collection.
Here's everything you need to know about TRS Recovery Services and how to respond to a lawsuit if you get sued.
Founded in 1990, TRS Recovery Services is a debt collection agency based in Marietta, GA. Businesses in various industries hire them to collect debt, including retailers, grocery stores, and financial institutions.
Moreover, they collect payments on behalf of TeleCheck Services, an online retailer's check payment processing company. Here's the contact information for TRS Recovery Services:
Toll-free (800) 366-1048
P.O. Box 674169 Marietta GA 30006
If you feel like TRS Recovery Services has treated you unfairly, you’re not alone. Many consumers, like you, have filed complaints against TRS Recovery for its questionable debt collection methods.
As of 2022, TRS Recovery Services has received 339 complaints on its Better Business Bureau over the last three years. Many of these complaints could be considered violations of the Fair Debt Collection Practices Act (FDCPA). Among the violations are unreasonably late calls, disregarding debt validation requests, and making inaccurate reports to credit bureaus.
Two civil cases have been filed against TRS Recovery Services under the FDCPA, alleging that it violated consumer rights. Knowing your rights can help you protect yourself from sketchy debt collection tactics.
TRS Recovery is governed by the Fair Debt Collection Practices Act (FDCPA), a federal law that limits what debt collectors can do in order to collect on a debt. All debt collection agencies must comply with these rules during the collection process and all interactions with consumers, like you.
Under the FDCPA, the following practices are prohibited:
Among the factors that must be considered in determining damages are the nature and frequency of violations, persistence, and intentionality.
Asserting your rights under the Fair Debt Collection Practices Act by sending a Debt Validation Letter to TRS is a great way to avoid a lawsuit and get debt collectors off your back. From the letter, TRS Recovery must prove you owe the debt, stop contacting you for any other reason, and report the debt as disputed.
Your letter must be sent within 30 days, and our automated software will assist you in preparing one that is customized to your situation in minutes. You may receive one of the following items if you request a debt validation from TRS:
TRS Recovery will often stop collecting debts after they receive a Debt Validation Letter, especially if they realize they have missing or inaccurate information.
You can learn more by watching the video below:
You will be held liable if TRS Recovery Services sues you in civil court in the hopes of forcing you to pay off the debt through a court order.
You should respond to a TRS Recover lawsuit before your state’s deadline. If you don’t, the court will most likely a default judgment against you, giving TRS the right to garnish your wages and seize your property.
If TRS Recovery Services sues, follow these three steps to respond to their Summons and Complaint and avoid a default judgment:
Below, we’ll explain each step in more detail. If you don’t like reading, check out this video instead:
When you get sued by a debt collector, you receive court documents in the mail called the Summons and Complaint. The Summons notifies you of the lawsuit, while the Complaint lists the specific claims against you.
So, the Complain document lists all the reasons TRS is suing you. Answer each question in your Debt Answer document. To answer each claim in the Complaint, choose one of the following responses:
Most attorneys recommend that you deny as many claims as possible, especially the ones you aren’t sure of. For each claim that you deny, TRS must prove with proper documentation and evidence. If they can’t prove their claims, TRS might just dismiss the case.
Your Answer must contain affirmative defenses if you want to present a strong case to the court. Although not all of these may be relevant to your case, you should carefully review the list of affirmative defenses below to avoid missing anything:
SoloSuit can help you draft an Answer document and assert the right affirmative defenses that apply to your case. All you have to do is respond to some simple questions about your case, and SoloSuit will convert your responses into the proper legal wording and formatting.
As soon as you've answered each Complaint and asserted your affirmative defenses, it's time to file. Depending on where you live, you have 14-35 days to file your Answer. File your Answer in court by following these steps:
Finding an attorney can be stressful and expensive. But thanks to SoloSuit, you can fight debt collectors, like TRS Recovery Services, in court. With SoloSuit, you can draft a Debt Validation Letter before a lawsuit is file, draft and file an Answer to a lawsuit, push your lawsuit out of court by filing a Motion to Compel Arbitration, or create an offer to settle with a Debt Lawsuit Settlement Letter.
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather