JP Recovery Services JPRS Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

JP Recovery Services JPRS
JP Recovery Services Inc or JPRS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is JP Recovery Services – JPRS?

JP Recovery Services , Inc. (JPRS) is an Ohio-based third-party collection agency specializing in healthcare collections. JPRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as improper communication tactics and attempting to collect debts not owed. If you have been contacted by JPRS, understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is JP Recovery Services a scam?

They’re legit. According to the Better Business Bureau (BBB), JP Recovery Services, Inc. is a legitimate collection agency, founded in February 1998, and the BBB established its profile page about 8 months later, in October 1998. JPRS is listed as a collection agency and billing service and uses the alternate business name, Patient Financial Solutions. Buzzfile estimates JPRS’ annual revenue at $10.4 million and the size of its headquarters staff at 90 people. Buzzfile also lists an alternate website for JPRS at

According to its website, JP Recovery Services “is a full-service accounts receivable management company that provides collection support to credit grantors to improve cash flow and reduce aged receivables.” JPRS’ “account follow-up activities are conducted with professional efficiency to maximize recovery and protect client reputation.”

JPRS employs collection staff in three main divisions: medical billing, pre-collection/early-out, and bad debt collection. The medical billing division “has the resources and technology to assume full control over outsourced receivables” with a staff of “experienced and highly motivated medical billers and AAPC certified CPC coders to supplement the patient accounts staff” of the billing departments of healthcare providers. Their pre-collect/early-out division addresses “the challenges healthcare institutions face in recovering patient liability receivables at the earliest stages of the collection cycle” by offering first-party collection for 30- to 90-day delinquencies.

JPRS’ bad debt collection division uses industry technology including predictive dialing systems, customized reporting, call monitoring, call recording, and account scoring. They provide litigation services for harder-to-collect delinquencies. They cite a “perfect record of compliance and adherence to state and federal laws.”

The JP Recovery Services website is client-facing and does not offer any information about its compliance policies. The payment portal page displays a standard disclaimer that identifies them as a debt collector, but there are no links or references to consumer protection resources, laws, or enforcement agencies.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against JP Recovery Services Inc – JPRS?

The BBB has closed 32 complaints against JP Recovery Services Inc in the past three years, with 8 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has received 17 complaints about JPRS. Justia lists at least 9 cases of civil litigation involving JPRS.

Contact Information

JP Recovery Services, Inc.
PO Box 16749
Rocky River, OH 44116
Telephone: (800) 366-0109

Can JP Recovery Services Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely JPRS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against JP Recovery Services Inc?

Absolutely. Here are some Sample Cases 

Complaints against JPRS frequently cite problems resulting from inaccurate documentation and poor communication. In February 2017, a complainant indicated that he had received a letter stating JPRS would accept a lower payment amount as settlement in full for a past due medical bill. When the complainant called to accept the offer the next day, the representative apologized and said they were not authorized to accept that much of a discount and could only accept the payment in full. According to the complainant, the representative said, “This supposedly doesn’t happen often.” The complainant was concerned about the dishonest practice of making offers in writing, then not honoring them. In response, JPRS indicated that the “collector erred in the settlement amount that was offered and sent in the letter.” However, they acknowledged that once they had made the offer in writing, they were bound to accept payment. JPRS “counseled their associate in the proper procedure when an error is discovered,” and informed the complainant that they would accept the lower balance as payment in full.

In November 2016, a complainant indicated that his insurance company was supposed to have paid a bill that JPRS attempted to collect from him. At the time of service, the complainant indicates that the healthcare provider assured him they were in his insurance network, and that the insurance company would pay for all the associated costs. Despite the desk agent’s assurances, he was subsequently informed that the healthcare provider was out of his network. The complainant alleged that this misrepresentation was fraudulent and led him to agree to accept medical treatment he would otherwise have declined. Regardless, he insisted that the healthcare provider was paid by the insurance at whatever negotiated rate they had agreed to previously, and that he did not believe he should be held liable for any outstanding balance. He requested that all collection efforts on the part of JPRS cease. JPRS did not accept responsibility, instead indicating that the complaint was “caused principally by actions of a third party outside the control or direction of the company.”

JP Recovery Services JPRS Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop JP Recovery Services Debt Collection Harassment Now JPRS?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

Read more about your rights

What Our Clients are Saying

“When I first contacted Lemberg Law, I was at my wit’s end, not knowing what to do or how to protect myself against the collection agencies. I felt like I was sinking. After sending in my case evaluation, Lemberg Law quickly threw me a lifeline and turned the tide.”

“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”

“I am so blessed that during this dreadful, frightening encounter, your company was there to help me. I can not thank you enough.”

Can You Help Me Delete JP Recovery Services JPRS from My Credit Report?

We can absolutely help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Maisha M

    JP Recovery services is calling my employer and every family member asking questions about me even though I have already contacted them.

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