Who is TLRA Debt Recovery?
TLRA Debt Recovery, also known as Texas Legal Recovery Agents, is a debt collection agency based out of Houston, Texas. They specialize in collecting outstanding debts that individuals or businesses owe.
You may see them listed on your credit report as a collections account if you have an unpaid bill that has been sent to collections.
Who does TLRA Debt Recovery collect for?
TLRA Debt Recovery is primarily engaged in debt collection for hospitals and other healthcare providers.
Is TLRA Debt Recovery legit or a scam?
TLRA Debt Recovery is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove TLRA Debt Recovery from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
TLRA Debt Recovery Contact Information
Address:
TLRA Debt Recovery
2707 North Loop West, Suite 400
Houston, TX 77008
Phone number: (281) 936-6000
Should I contact or pay TLRA Debt Recovery?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with a debt collector is to work with a credit repair professional. They help remove millions of negative items every year from companies like TLRA Debt Recovery on behalf of their clients.
Will TLRA Debt Recovery sue me or garnish my wages?
TLRA Debt Recovery primarily aims to recover the debt by reaching out to debtors through calls, letters, or emails. However, if these measures fail and the debt is significant, they might consider taking legal action, including filing a lawsuit.
If TLRA Debt Recovery decides to sue and wins the case, the court could issue a judgment against you. This judgment could potentially lead to wage garnishment or a lien on your property, depending on the laws in your specific state. Remember, laws regarding debt collection practices and wage garnishment can vary widely from state to state.
However, it’s worth noting that filing a lawsuit is typically a last resort for collection agencies due to the time and costs involved. Often, they prefer to work out a payment plan or settlement with the debtor directly.
TLRA Debt Recovery Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with TLRA Debt Recovery
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for TLRA Debt Recovery to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- TLRA Debt Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- TLRA Debt Recovery must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- TLRA Debt Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove TLRA Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing TLRA collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
