S & S Recovery, Inc. (SSR) is a third-party collection agency based in Tennessee that specializes in collecting delinquent debts for post secondary educational institutes. SSR has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and using prohibited communication tactics. If SSR has contacted you about delinquent financial obligations,make sure you understand your rights before you respond.
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They’re legit. According to the Better Business Bureau (BBB), S & S Recovery, Inc. was founded in 1984. The BBB established a profile page for SSR in 1985, and SSR has been a BBB-accredited business since 1986. The BBB lists SSR as a collection agency that uses the alternate business name, S & S, Inc. Buzzfile estimates SSR’s annual revenue at $2.2 million and the size of its headquarters staff at 22 employees.
According to its website, SSR provides “personalized service to every one of their clients in the higher education industry…and has successfully served the collections and accounts receivable management needs for many of the nation’s leading colleges and universities.” SSR states that its “collectors are specifically trained for working with students with delinquent education-related debt and handle every account with the highest level of professionalism and integrity.”
S & S Recovery specializes in educational debt recovery, including tuition accounts receivable; federal Perkins loans (Perkins default recovery); institutional loans; nursing loans; healthcare service-related professional loans; and Pell grants.
SSR’s debt collection recovery techniques include a pre-collect letter service and billing services in association with “ECSI, ACS, Campus Partners, UAS, EDSI, and Panhandle Plains.” SSR’s state tax offsets program can “increase funds collected…even if the institution uses its own state tax offset program.” SSR also provides litigation services to pursue delinquent accounts through the court system using its network of attorneys.
SSR “is licensed by the State of Tennessee Collection Service Board and currently meets or exceeds all bonding and licensing requirements.” They cite membership in several professional associations, including ACA International; the Tennessee Collectors Association; NACUBO; COHEAO; and CCBO. Their website does not contain any detailed information about regulatory compliance polices; however, their Resources page provides dozens of links to regulatory enforcement agencies and consumer financial resource 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.
As of May 2019, the BBB has closed 4 complaints against S & S Recovery in the past 3 years, with 1 complaint closed in the previous 12 months. Most of those complaints alleged problems with billing and collections. Since December 2017, the Consumer Financial Protection Bureau (CFPB) has closed 4 complaints involving SSR. Justia lists at least 4 cases of civil litigation involving SSR.
S & S Recovery, Inc.
4210 Altruria Rd., Suite 131
Memphis, TN 38135
Telephone:(800) 467-1144
Website: http://www.ssrecoveryinc.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SSR 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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some sample complaints.
Complaints about S & S Recovery cite problems resulting from phone calls that violate federal laws and disputes about the validity of debts. In October 2018, a complainant alleged that SSR representatives had harassed him by calling him at work and by calling family members about his personal business. According to the complainant, SSR had been calling his place of employment for the previous 2 days. Subsequently, he spoke with an SSR representative who “repeated…the complainant’s social security number out loud; stated that he needed to pay this amount immediately; and that it would be easyif he did it now.” The complainant “explained to this person that he was currently working and couldn’t speak of this matter,” but the SSR representative “went on and stated that he got what he needed.” The next day, this“same person called hisjob again.” When the complainant answered the phone, the SSR representative allegedly stated, “‘OK, now what are you going to do?’” The complainant told him he “was at work and couldn’t discuss this matter.” The SSR representative also “reached out to the complainant’s family members” whom he hadn’t “seen or spoken to in years,… asking for the complainant or his spouse.” In response, SSR stated that they were “under the impression that the complainant wanted to set up arrangements on the account…and that the… number referenced was a number listed on the account.”SSR promised to “no longer contact the complainant at the number listed, which….has been removed from SSR’s system and been labeled as a do not contact…number.”
In June 2016, a complainant stated that S & S Recovery had been reporting a paid account as unpaid. According to the complainant, she had “paid this company every month to clear her debt with a previous university and paid her account off in March of 2016.” However, “since paying her account off with this company,” she has “had issues getting them to report her account as paid.” She stated that she is “in need of her transcripts from this university and now that her account is paid, SSR claims that she has 2 additional accounts with this university.” The complainant stated that she had “contacted the university to find out what accounts she had, and they stated she only had the original balance.” When she “contacted SSR,… the employee she spoke with was very rude.” In response, SSR stated that the “issue has been resolved.” SSR said they had “collected the payment in full from the consumer…and sent the university…a statement showing the account was paid in full.” However, they also said that “several months later, … the consumer called in upset that the university still had a hold on her account, and she didn’t understand why SSR had not told them. SSR tried to explain that the university may have not reconciled their statement correctly but assured her they had made them aware.” SSR also stated that had sent written confirmation to both the university and the complainant.
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.
You may have a case, if…
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”
“I can’t praise your service enough. I was lost and just really wanted my credit report cleaned up. You have gone beyond my expectations. Thanks again!”
There is a good chance we can. Contact us to find out more.
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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."
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