Aaron, Derek, Carter & Stein Phone Harassment?

Absolute Recovery Services, LLC is a Memphis, Tennessee collection agency with a specific niche: it recovers tenant and rental debt for landlords, apartment complexes, and property management companies. It does not buy debt and, by its own account, does not collect medical bills; instead, it takes assigned accounts from housing providers and works them largely through credit reporting and written contact. Because it collects debts owed to other creditors, the federal Fair Debt Collection Practices Act and the Fair Credit Reporting Act both govern how it treats you.

Consumer Rights Law Firm PLLC has taken on abusive collectors since 2010 and holds an A+ rating with the Better Business Bureau. Call (877) 700-5790 or open a free case review. You pay nothing, and when a collector breaks the law, the collector covers our fees.

Quick Facts About Absolute Recovery Services, LLC

Source: Better Business Bureau, Absolute Recovery Services, LLC.

Are the Calls and Credit Reporting From Absolute Recovery Services Legal?

They can be lawful, but only if the agency follows the rules, and its most common friction point is credit reporting rather than the phone. Absolute Recovery Services may contact you about a genuine lease balance assigned by a landlord, yet the FDCPA limits how it collects, and the FCRA limits how it reports. When the agency misstates a balance, ignores a proper validation request, or reports an account it cannot document, you gain a claim.

Conduct that can make its collection unlawful includes:

• Reporting a debt to the credit bureaus without noting that you disputed it.
• Failing to send validation after you request proof of the lease debt.
• Misstating the amount, the creditor, or your right to dispute.
• Calling before 8:00 a.m. or after 9:00 p.m., or at your workplace when that is prohibited.
• Auto-dialing your cell phone without your consent.
• Discussing your debt with a relative, roommate, or coworker.
• Continuing to contact you after a written request to stop.

A common misunderstanding is that a rental debt is somehow outside consumer protection law. It is not. An apartment lease balance is a consumer debt, so the FDCPA and FCRA apply just as they would to a card or a medical bill.

Is This Harassment, and How Often Can Absolute Recovery Services Call You?

Yes, repeated calls can legally qualify as harassment, and the law sets a clear line even for a collector that leans on credit reporting. Under Regulation F (12 C.F.R. §1006.14), an agency that phones you more than seven times in a seven-day period about one account, or calls again within a week of speaking with you, is presumed to be harassing you. The FDCPA also bars calls placed to annoy or abuse, regardless of the count.

When a client brings us an Absolute Recovery Services problem, the phone log is only half the picture; the credit report is the other half. We document both the calls and the reporting history, because the harm consumers describe most often is a disputed lease balance sitting on their credit file and blocking new housing. Writing down each call and saving each dispute letter is what builds the record.

Absolute Recovery Services also may not disclose your debt to third parties. Under FDCPA §805(b), it can contact other people only to locate you, never to reveal the balance, and its own responses acknowledge it will not communicate with you at all once you request no contact in writing.

Who Is Absolute Recovery Services and Why Are They Contacting You?

Absolute Recovery Services, LLC is a Memphis agency that specializes in collecting money owed to landlords and property managers, such as unpaid rent, broken-lease balances, and charges left after an eviction or move-out. Rather than a company you borrowed from, it is the outside agency your former apartment complex assigned the balance to, which is why the name on your credit report may not match the property where you lived.

The account almost always traces back to a lease. Consumer complaints tie Absolute Recovery Services to balances from apartment communities and management firms, often for a few hundred to several thousand dollars stemming from a lease that ended on bad terms. If you moved out of a rental, left a disputed balance, and later saw a collection entry from a company you did not recognize, that is the classic scenario here. Our types of debts page explains where a rental balance fits among consumer debts.

Because these balances often involve move-out charges, damage assessments, or lease-break fees that tenants dispute, the amount claimed may not match your understanding, which makes verification essential before you pay.

Is Absolute Recovery Services a Scam, and How Do You Verify the Debt?

It is a real, BBB-accredited Tennessee agency rather than a scam, but a legitimate collector can still report a balance that is inaccurate, unverified, or tied to a lease with errors. Verify everything before you pay:

• Ask for the lease and the ledger. Request the signed lease agreement, an itemized move-out or damage ledger, and proof that the balance is yours. Several consumers have disputed accounts where their name was misspelled on the lease or the charges were never itemized.
• Demand written validation. Within 30 days of first contact, send a written request for proof of the debt. A short debt validation letter obligates the agency to document the balance, and collection should pause until it responds.
• Confirm the property and the assignment. Ask which apartment community or management company placed the account, and confirm the balance directly with them.
• Confirm the contact details. The verified phone is (901) 507-3444, and the office is at 1010 June Rd, Ste 202, Memphis, TN 38119. Demands for gift cards, wire transfers, or instant payment to avoid arrest are fraud signals.
• Check your credit reports. Because this agency reports to the bureaus, confirm how the account appears and dispute any error under the Fair Credit Reporting Act using our credit report dispute guide.

What Do BBB Complaints Show About Absolute Recovery Services?

The live Better Business Bureau profile shows 40 complaints over the last three years, with 10 closed in the last 12 months, and the agency is BBB accredited with an A+ rating. The complaints cluster around one theme: disputed rental balances reported to the credit bureaus, often with demands for validation and removal. Here are three verified complaints from the live BBB page, in the consumers’ own words.

Complaint 1: Reporting a lease debt the consumer says is not theirs (March 25, 2026): A consumer wrote, “I honestly dont get why ABSOLUTE RECOVERY SERVICES, LLC is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it.” The agency replied that the account stemmed from a broken lease, was marked disputed, and that validation was sent to the credit bureaus.

Complaint 2: A lease with a misspelled name and a validation fight (February 6, 2026): A consumer disputed a roughly $1,500 balance from Maple Tree Apartments, noting that “my legal name includes an apostrophe, which was omitted or recorded incorrectly on the lease,” and requesting “a properly executed lease agreement that clearly identifies me and itemized charges.” A long back-and-forth followed over how and where validation was delivered.

Complaint 3: Wrong company for a medical bill (October 28, 2025): A consumer complained about a medical collection, and the agency answered directly: “Wrong company. Our agency does NOT collect medical debt. We only collect leasing debt owed to landlords, apartment complexes and management companies.” That response confirms the agency’s narrow rental-debt focus.

Source: Better Business Bureau complaints page.

What Do Consumer Reviews Say About Absolute Recovery Services?

Consumer feedback about Absolute Recovery Services centers on credit reporting of apartment debts, and it is spread across the BBB complaint record more than the review platforms. Directory listings appear on Yelp and Alignable, but searches of ComplaintsBoard, Trustpilot, ConsumerAffairs, Sitejabber, PissedConsumer, and Ripoff Report do not return a body of reviews that can be reliably confirmed as this Memphis agency rather than a similarly named business, such as Absolute Collection Services or Absolute Resolutions Investments.

We flag that honestly, because scattered reviews are less reliable than the documented BBB complaint pattern, and because the AbsoluteRecovery name is easily confused with other collectors. The record that resolves your case is your own, meaning the lease documents, your dated dispute letters, and the credit report showing how the account was handled. Filing a verified complaint with the CFPB or the Tennessee Attorney General also strengthens the public record for the next tenant.

Are There Lawsuits Against Absolute Recovery Services?

Public court records reviewed for this article do not confirm a reported federal FDCPA judgment against Absolute Recovery Services, LLC of Memphis by docket number, and we will not attach cases from differently named companies to it. Businesses such as Absolute Collection Services, Inc. and Absolute Resolutions Investments, LLC are separate collectors with their own litigation, and mixing their records in would be inaccurate.

The absence of a headline case does not limit your options against this agency. Individual FDCPA and FCRA suits over tenant-debt collection and inaccurate credit reporting are filed regularly and usually resolve without published opinions. The claims our attorneys most often raise here involve failure to validate a lease balance, reporting a disputed or unverified debt, misstating the amount owed, and continued contact after a written cease request. One consumer complaint on the agency’s own BBB page even threatened a federal lawsuit over reporting that continued after a claimed cease-and-desist, which is the kind of dispute that can ripen into a case. Each matter turns on your own records.

If you want to check for filings yourself, federal dockets are searchable through the courts, and full documents require a PACER account. Tennessee state court records can be searched through the Shelby County and state judicial systems.

Your Legal Rights When Absolute Recovery Services Is Collecting

• FDCPA (Fair Debt Collection Practices Act): Governs Absolute Recovery Services as a third-party collector. It bars harassment, false or misleading statements, after-hours or workplace calls, third-party disclosure, and contact after a written cease request, and it entitles you to written validation. Damages reach up to $1,000 plus actual damages and attorney fees. See our FDCPA page.
• FCRA (Fair Credit Reporting Act): Central here, because this agency furnishes account information to the credit bureaus. It must report accurately, mark disputed accounts as disputed, and investigate disputes within 30 days.
• TCPA (Telephone Consumer Protection Act): Restricts automated and recorded calls to your cell without consent, which you can revoke anytime, and carries $500 to $1,500 per illegal call. See our TCPA page.
• Tennessee collection law: Tennessee licenses collection agencies, and state consumer statutes can add remedies. See collection laws for each state for more.
• Lease and tenant defenses: Errors in the lease, improper move-out charges, or a misidentified tenant can undercut the balance itself.

Absolute Recovery Services Violation Comparison

Can You Sue Absolute Recovery Services for Harassment or False Reporting?

Yes. If Absolute Recovery Services violated the FDCPA, the FCRA, or the TCPA, you can bring a claim and recover money, with the agency paying your attorney fees under those laws’ fee-shifting provisions. The FDCPA allows up to $1,000 in statutory damages plus any actual harm, the FCRA provides its own damages for inaccurate reporting, and each unlawful robocall can be worth $500 to $1,500 under the TCPA.

You do not need a large loss to have a case. A lease balance reported without noting your dispute, an ignored validation request, a debt tied to a misidentified tenant, or a call that continued after you said stop can each stand on its own. Because the harm here is often a damaged credit file that blocks new housing, actual damages can matter too. Since the law places the fees on the collector that broke it, we take these matters at no upfront cost to you.

What To Do Next: 5 Steps to Stop Absolute Recovery Services

Step 1: Document the calls and pull your credit reports. Log each call with the date, time, and number, and print your credit reports to see exactly how the account is reported. With this agency, the credit file is often the key evidence.

Step 2: Dispute in writing and demand the lease. Mail a debt validation letter by certified mail requesting the signed lease, an itemized ledger, and proof the balance is yours, and state clearly that you dispute it. Keep the certified receipt.

Step 3: Dispute the credit reporting directly. File a dispute with the credit bureaus over any inaccurate lease entry, since the agency furnishes the data and must investigate within 30 days under the FCRA.

Step 4: Send a cease-and-desist if the calls continue. Once Absolute Recovery Services receives a written cease-and-desist letter, it may generally contact you only to confirm it is stopping or to note a specific legal step. Every call after that is a separate, provable violation.

Step 5: File complaints and call a consumer attorney. File with the CFPB, the Tennessee Attorney General, and the FTC at reportfraud.ftc.gov, then call Consumer Rights Law Firm PLLC at (877) 700-5790 or request a free case review. If the agency broke the law, the fees fall on it, so you pay nothing.

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC helps people who are pursued and reported over apartment and lease balances by collectors like Absolute Recovery Services. Rather than fight an inaccurate rental collection on your credit alone, let our office handle it from here. We have represented consumers since 2010 and hold an A+ rating with the Better Business Bureau.

To learn how to protect yourself from Absolute Recovery Services, call (877) 700-5790 or visit our website.

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