Start My Answer

Resolve Debt With SRS Company

Sarah Edwards | November 17, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Keep getting calls from SRS Company? Don’t panic! In this article, SoloSuit shows you how to make SRS Company prove you owe money (and what to do next). You might owe less than you think.

Calls from debt collectors always seem to come at the worst times. And if you’re already facing financial hardship, it might seem that you’ll never be able to get out of debt.

Some people see all that stress and then try to run from it. But if you do that, the debt doesn’t go away. It can grow and impact your present and future financial health. If you’ve been getting calls from SRS Company, you shouldn’t ignore them. You also shouldn’t pay the debt right away. Here’s SoloSuit’s guide.

Sued for debt? Draft and file an Answer to the Summons online.

What is SRS Company?

SRS stands for Southwest Recovery Services — you might also see it called SWRS Company. Its headquarters are at 16200 Addison Road, Suite 260, Addison, TX 75001, and its phone number is 866-551-2888. However, representatives may call from other phone numbers.

SRS is a debt collection company, and according to its website, it’s a “nationally recognized leader” in the industry. Despite that claim, SRS says it doesn’t “do business” in Oregon or Washington. So, if you’re in one of those states, you’re safe!

As far as we can see, SRS doesn’t have a specialty. Its website says it collects for “all businesses,” and in looking at complaints, we saw several mentions of SRS trying to collect past-due rent.

It’s important to make sure you don’t confuse SRS Company in Dallas, Texas, with Spire Recovery Solutions, another debt collection agency whose name can be abbreviated as SRS. After all, if you need to send a letter or an email, you want to make sure it’s going to the right company.

SWRS has offices in the following locations:

Is SWRS Company actually legit?

All debt collector calls and letters seem suspicious, so it’s understandable if you want to check to make sure SWRS Company is real. Yes, SRS Company is a legitimate company, although consumers don’t seem to be that fond of it.

Southwest Recovery Services reviews

We started our investigation of Southwest Recovery Services by taking a look at the Consumer Financial Protection Bureau (CFPB) database of complaints. We saw that SWRS had received nearly 500 total complaints between December 2011 and November 2023.

Most of the complaints against SWRS came from consumers living in Texas, as shown by the map below.

Southwest Recovery Services complaints

Some complaints in the database come with narratives — brief explanations of what happened. We took a look at the complaints against SRS and put together some highlights:

  • Many consumers said that SRS was trying to collect debts the consumer didn’t owe.
  • Some consumers said SRS wouldn’t verify debt when asked.
  • Some said that SRS tried to collect more than the amount of debt actually owed.
  • Many said that SRS representatives were rude or used obscene language on the phone.

Any time you want to learn more about a debt collector, it’s a good idea to look at its BBB profile. SRS Company’s profile doesn’t look great. As of November 2023, it isn’t BBB accredited, and its BBB rating is D. SRS has had 94 complaints closed against it in the past three years, 35 of which were closed in the past 12 months alone.

That’s a large number of complaints, but some of them might have been meant for Spire Recovery Solutions in Lockport, NY. As of November 2023, the BBB itself had a banner on SRS Company’s profile stating that it’s received many complaints filed against Southwest Recovery Solutions that were meant for Spire Recovery Solutions.

This doesn’t mean that SRS is a great company — but misdirected complaints just might be making it look worse than it is.

What to do if SWRS Company says you owe money

Debt collectors hope that their calls will make you panic and pay the debt without asking questions. Sadly, many people do just that because they don’t know their rights under the Fair Debt Collection Practices Act (FDCPA).

The FDCPA restricts the tactics debt collectors can use, and it also grants you rights as a consumer. One of the most important rights is the ability to ask a collection agency to verify the debt in writing. You can make this request with something called a Debt Validation Letter.

Make SRS Company validate your debt.

To learn more about Debt Validation Letters and how they work, check out SoloSuit’s Debt Validation Letter Q&A below.

When you send a Debt Validation Letter, you must ask the debt collector for six separate things:

  • The name of the original creditor (the company you owed the debt to).
  • The exact amount you allegedly owe.
  • A copy of the contract between you and the first creditor.
  • The most recent transaction or payment on the account.
  • Proof that SRS has the legal right to collect this specific debt.
  • SRS’s license number to operate in your state.

Want to write an amazing Debt Validation Letter quickly? Use SoloSuit’s template!

What to do if SRS Company validates your debt

After you send a Debt Validation Letter, you’ll wait for a response. Under the FDCPA, once Southwest Recovery Services receives your request, the company can’t continue to harass you about the debt until it has answered you.

If a debt collector can’t validate your debt, you aren’t legally obligated to pay it. They won’t tell you this — they’ll just disappear into the ether, never to be heard from again (hopefully).

If SRS replies to your Debt Validation Letter with proof, you have a few different options. To understand them, let’s consider an example.

Example: Rowan gets a call from SRS Company saying he owes a former landlord $1,000 in past-due rent. He sends SRS a Debt Validation Letter, and SRS responds with proof. But Rowan has a problem — he just doesn’t have an extra thousand dollars lying around! He tells SRS this, and because he’s trying to pay the debt, the company works with him to create payment terms. SRS says he can pay $100 per month for 10 months, and he accepts.


Ready to resolve your debt with SRS Company once and for all?

When you face your debt head-on, you can put it behind you once and for all. If SRS hasn’t filed a lawsuit against you, sending a Debt Validation Letter is the first step. But if you’ve already been sued, it’s not too late! SoloSuit can help. You could resolve the debt for less than you owe, and SoloSettle will handle the negotiation process for you.

Settle your debt with SRS Company.

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"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



Get Started