Know Your Rights
If you have general correspondence or a dispute or inquiry, please write or fax to:
TRS Recovery Services, Inc. P.O. Box 674169, Marietta, GA 30006
Fax: 402.916.8140
Or if you would like to complete the online inquiry or dispute form, please visit our website at www.trsrecoveryservices.com. The form may be faxed or mailed to the number/address provided.
Please include your reference number in all correspondence. The reference number can be found in the reference number field on your notice.
TRS Recovery Services, Inc. is required under certain state laws to notify consumers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.
For California Residents:
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov
As required by California law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Nonprofit credit counseling services may be available in the area.
This collection agency is licensed by the State of California, under License Number 10856-9
For Colorado Residents:
A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Colorado law prohibits credit bureaus from reporting medical debt or factoring medical debt into a credit score unless the consumer report is to be used in connection with a credit transaction that involves, or that may reasonably be expected to involve, a principal amount that exceeds the national conforming loan limit value for a one-unit property as determined by the federal housing finance authority. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE:HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMERCREDIT-UNIT/COLLECTION-AGENCY-REGULATION/
TRS Recovery Services, Inc. maintains a local Colorado office located at 5775 DTC Blvd., Greenwood Village, CO 80111. Office hours are Monday through Friday, from 8:00 a.m. to 5:00 p.m. MT. Payments may be made in person at this location; however, only money orders or cashier’s checks are accepted. Cash, debit, and credit card payments are not accepted. Please note that this office is designated for walk-in payments only. Do not send correspondence to this address. To schedule an appointment to make an in-person payment, please call 303-264-3167. For all other inquiries or assistance, please contact us at 800-366-1048.
For District of Columbia Residents:
If your debt has not been reduced to a judgment by a court, you have the right to request the following information concerning your debt:
(1) The name of the original creditor, and the name of any other owners of your debt, including the current owner;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, application, or other documents which show your obligations;
(4) The date your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the alleged debt, including the amount of any principal interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. For credit card or revolving credit accounts, the itemized accounting is measured from the charge-off balance.
If your debt has been reduced to a judgment by a court, you have a right to a copy of the judgment, documentation establishing that the debt collector is the owner of the judgment, and an itemized accounting of the current balance due on the judgment. You may request the above information by contacting us by phone, mail, or email at the following: TRS Recovery Services, Inc., P.O. Box 674169, Marietta, GA 30006; Website: www.trsrecoveryservices.com; Phone: 800-366-1048; or Fax: 402-916-8140. You might have income or resources that are protected from being taken by debt collectors. These might include certain sources of income, funds, or property, including, but not limited to, Social Security, Supplemental Security Income (SSI), disability or unemployment benefits, veteran's benefits, or child support payments. If you believe your property or income may be protected, you may wish to seek legal advice, including at a legal services provider or legal aid office, before paying a debt.
For Maine Residents:
The hours of operation for TRS Recovery Services, Inc. are Monday through Thursday, 8:00 a.m.- 10:00 p.m. Eastern Time, and Friday 8:00 a.m.- 5:00 p.m., Eastern Time.
For Maryland Residents:
You can verify the licensing status for TRS Recovery Services, Inc. on the NMLS Consumer Access website. NMLS #: 920823.
For Massachusetts Residents:
NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN (10) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN (7) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.
The hours of operation for TRS Recovery Services, Inc. are Monday through Thursday, 8:00 a.m. – 10:00 p.m. Eastern Time, and Friday 8:00 a.m. – 5:00 p.m., Eastern Time.
For Minnesota Residents:
TRS Recovery Services, Inc. is a collection agency licensed by the Minnesota Department of Commerce.
For Nevada Residents:
TRS Recovery Services, Inc. NMLS #: 920823, NV Collection Agency License #: CA10217. Compliance Managers NMLS #: 2371344 and 2372509, Compliance Managers Certificate ID #: CM12569 and CM12647.
For New York State Residents:
Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.
If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: (i) Supplemental security income (SSI); (ii) Social Security; (iii) Public assistance (welfare); (iv) Spousal support, maintenance (alimony) or child support; (v) Unemployment benefits; (vi) Disability benefits; (vii) Workers’ compensation benefits; (viii) Public or private pensions; (ix) Veterans’ benefits; (x) Federal student loans, federal student grants, and federal work study funds; and, (xi) Ninety percent of your wages or salary earned in the last sixty days.
You have the right to request a substantiation of a charged-off debt. To request substantiation, please submit a written request to TRS Recovery Services, Inc., P.O. Box 674169, Marietta, GA 30006. Please include the reference number. You can also request substantiation of a charged-off debt by calling TRS Recovery Services, Inc. at 1-800-366-1048.
Upon request, we will provide a copy of the letter you received from us in in a large-print format.
For Yonkers, New York Residents:
To speak with a live representative, contact TRS Recovery Services, Inc. at 1-888-237-1530 and ask for Tracey Johnson. This office is licensed under License Number 9423.
For New York City, New York Residents:
Important Additional Consumer Rights Under New York City Law
This collection agency is licensed by the New York City Department of Consumer Affairs, under License Number 1157511-DCA. To speak with a live representative, contact TRS Recovery Services, Inc. at 1-888-237-1530 and ask for Tracey Johnson.
PLEASE READ: Information About Your Rights as a New York City Consumer:
- There is no time limit for a New York City consumer to dispute the debt in collection under New York City law. You can let collectors know you dispute the debt using any of the ways they contact you, including by phone.
- You must get a response to the disputed debt in 60 days. Once you dispute the debt, the collector must stop collection. Within 60 days after receiving your dispute, a debt collector must give you either 1) verification of the debt, or 2) a “Notice of Unverified Debt” stating it can’t verify the debt or continue collection. Be sure to keep a copy of all letters.
- Inform the debt collector if any charges arise from medical debt. If you have a low or limited income, you may be eligible to apply for help under a hospital’s “Financial Assistance Policy.” Medical debt cannot be reported on your credit report.
Note: Medical debt does not include charges to a credit card unless the credit card is offered specifically for the payment of health care services, products, or devices.
TRS Recovery Services, Inc. provides IVR options in Spanish as well as Spanish-speaking agents to orally communicate with NYC residents. It does not maintain processes to translate its written communications to NYC residents into a language other than English. However, translations, as well as descriptions of commonly-used debt collection terms are available in multiple languages on the website of the New York City Department of Consumer Affairs at www.nyc.gov/dcwp. If you wish to notify TRS of your preferred language, contact TRS Recovery Services, Inc. at 1-888-237-1530 and ask for Tracey Johnson.
For North Carolina Residents:
TRS Recovery Services, Inc., which is located at 1600 Terrell Mill Road, Marietta, GA 30067, is a collection agency licensed by the North Carolina Department of Insurance under Permit Number 119498897.
For Tennessee Residents:
TRS Recovery Services, Inc. is licensed by the Collection Service Board of the Department of Commerce and Insurance.
For Utah Residents:
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
For Washington Residents:
TRS Recovery Services, Inc.’s local office is located at: 11811 NE First Ave. Suite 204, Bellevue, WA 9800550. (Do not send payments to this address.)
For West Virginia Residents:
TRS Recovery Services, Inc. will relinquish your paper check when the check and returned check fee have been paid in full. Please verify the address where the check is to be sent by writing to us at: TRS Recovery Services, Inc., P.O. Box 674169, Marietta, GA 30006 or Fax: 402.916.8140
Please include your reference number in all correspondence. The reference number can be found in the reference number field on your notice.
For Wisconsin Residents:
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.dfi.wi.gov.