States Recovery Systems or SRS is a third-party collection agency based in California. SRS has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including making false statements and failure to verify debts. If this debt collector has contacted you about past due collection items, make sure you know your rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), States Recovery Systems, Inc. is legitimate collection agency founded and incorporated in 1988. The B established a profile page for SRS in 1993. SRS is listed as a collection agency.
According to its website, SRS “is a respected receivables management company with the industry experience and financial resources to focus the best people, systems and capital on improving our clients’ revenue cycle.” SRS employs “a best practices approach to managing their clients’ accounts.” SRS states that they “stand for honesty, integrity, and respect in their relationships with their employees, clients, consumers, and regulatory bodies.”
SRS is a full-service collection agency and offers a range of accounts receivable management solutions. SRS’s 3rd-party collections division uses “core experience in… the collection of primary and secondary delinquent accounts. With over two decades of experience and a highly trained professional staff, SRS’s clients’ accounts are handled with professionalism and integrity.” SRS’s 1st-party outsourcing division acts as “an extension of their clients’ organization, freeing resources for other core business uses, so their clients can experience financial improvement through accelerated cash flow, lower operating expense, reduced customer delinquency, and improved customer care.”
In addition, SRS conducts location searches and asset investigations using “connectivity to multiple information providers, coupled with…a library of interactive skip-tracing databases.” Their litigation team “provides a variety of legal collection services…along with a variety of post-judgment recovery options… and an in-house legal department that utilizes a National Attorney Referral Network.” SRS also offers credit reporting services, customized recovery services, and consulting services.
States Recovery Systems collects delinquent accounts receivable for a variety of industries, including banking and financial services companies; consumer retail providers; publishing and advertising; telecommunication and utility service providers; government agencies; property management companies; healthcare providers; higher education; and commercial collections.
SRS’s Affiliations page states that they “maintain… compliance with all state and federal regulatory bodies.” They cite membership in several professional associations, including the International Association of Credit and Collection Professionals (ACA International). Their Consumer Resources page provides links and references to the Federal Trade Commission (FTC), the Department of Health and Human Services, and industry-affiliated consumer credit websites.
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.
The BBB has closed 7 complaints against States Recovery Systems in the past 3 years, with 2 complaints closed in the previous 12 months. All of those complaints alleged problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has closed 23 complaints against SRS . Justia lists at least 5 cases of civil litigation involving SRS.
States Recovery Systems, Inc.
2951 Sunrise Blvd., Ste. 100
Rancho Cordova, CA 95742-7201
Telephone: (916) 631-7085
Website: http://www.statesrecovery.com
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SRS 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. You can sue a debt collector. Here is a Sample Case Complaint:
Complaints against States Recovery Systems commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In October 2015, a complainant indicated she had received “an invoice in the mail from SRS stating that she owed a balance of $1,537.73.” However, she also stated that the original creditor had “never contacted her regarding any balances owed.” She stated that “upon receipt… of the collection letter, she contacted SRS and informed them that she did not owe the bill and had never been contacted in any way, shape or form by” the original creditor regarding an outstanding balance. Allegedly, the SRS representative she spoke with “refused to provide her name and easily became argumentative when the complainant requested validation of the debt,” instead merely telling the complainant, “‘You just owe the debt.’” The complainant insisted that she is not responsible for any delinquencies and that she “withdrew from her coursework in accordance with the university’s policy and had never been made aware that there is a debt owed.” Furthermore, she “currently has her student loan payments electronically deducted from her bank account each month and…is in good standing.” The complainant concluded by stating that she is “suspicious that this is a scam; requested …verification of the debt; and in the event that SRS cannot or will not verify the debt, …expects them to cease contact…and… not erroneously report to the credit bureaus.”
In response, SRS stated that they had received the account in September 2015. They also stated that the “complaint received from BBB was the first contact that was made on this matter, and that … a subsequent … CFPB complaint …were the only communication from the consumer.” SRS indicated that “upon providing the details of the complaint to the original creditor, they have decided to recall the matter and respond directly to the consumer.” States Recovery Systems agreed to “cease & desist as well as provide validation of the matter.” In addition, SRS stated that they “are NOT a credit reporting agency for this client,” and asked the complainant to direct further questions to the original creditor. The complainant accepted SRS’s resolution but stated that despite their insistence otherwise, she had “made contact with SRS on several occasions regarding this ‘debt’ and” had not received a response.
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).
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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…
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“I don’t know if I’d call it a miracle like some of these other people, but whatever it is, they did it right. Exactly what you are looking for in a law firm: professional, polite, and efficient. They know what they are doing, and usually have a check waiting for you at the end. As a professional myself, I know how to spot competence and these guys have it. I recommend Lemberg Law”
“Recommend them highly. Quick to settle my claim, polite, diplomatic, and advocated aggressively on my behalf. Very professional, would gladly use them again.”
“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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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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Last week 9/13/2018, I noticed a new debt collection agency reporting on my credit report. This is States Recovery Systems, trying to collect a debt originally owed to Bank of the West. Now I am getting phone calls from at least two phone numbers that play a robotic voice, threatening to send cops to arrest me if I don’t call them back. I have never received any mail from SRS or a court summons, and I have not returned these robo calls yet. The original debt is due to an RV (travel trailer) I had purchased in April of 2012. My last payment made was September 2016 and it was repossessed March 2017. I do not know for certain that the phone numbers calling me belong to SRS, however it is the only debt I have that is still within the statue of limitations for filing a lawsuit against me. The threats originated from these numbers: 425-329-3358 and 254-245-4136.
Please help me if at all possible.