Direct Recovery Services Calling?

A call from a collection agency like Direct Recovery Services is not one anyone looks forward to, especially if you’re already finding it hard to make ends meat. Debt collection agents call you to pursue you to make payments on your delinquent debts, which may just be impossible if you are in serious financial troubles and have no means of repaying your debts. Finding yourself in this situation may be nothing short of a nightmare, but do not lose hope, there may be a way to resolve your issue of unpaid debt and escape your financial worries.

Debts are really scary and if not handled properly could lead to a default judgment being leveled against you, resulting in the garnishment of your wages. You do not have to suffer in silence if you are going through a very bad financial situation. Filing for bankruptcy can assist you in managing and totally eliminating your debts. If you totally do not have any means to afford your living expenses, speak less about the debt you owe, you may want to file bankruptcy. This, however, may have serious implications on your credit score and thus, your financial future.

Can filing for Bankruptcy help resolve my debt with Direct Recovery Services?

There are two types of bankruptcy, chapter 7 bankruptcy, and chapter 13 bankruptcy. A chapter 7 bankruptcy is also known as straight bankruptcy. it is the best option to consider for people who own little property, have credit card balances, medical bills and other personal loans, and whose family income doesn’t exceed the state median for the same family size.

The process involves the liquidation of your assets to pay up your debts in order of prioritization. In this case, the court will put a temporary stay on all of your current debts, stopping creditors from collecting payments from you and garnishing your wages. Not all of your possessions will be taken away. Some will be left with you and they are called “Exemptions”. Exemptions include your house/residence, car, and other properties necessary for your work and survival.

In chapter 7 bankruptcy, the court assigns a trustee to take possession of your assets, sell them, and distribute the money derived from the sale of those items to your creditors. The money may not be enough to settle all your debts but the remaining debts that the money is unable to resolve will most likely be discharged.

Here are the requirements to qualify for chapter 7 bankruptcy:

– You must not have filed for chapter 7 bankruptcy in the last 8 years

– Your debt must be more than 50% of your annual income

– Your debt must be so bad that it would take more than 5 years for you to pay it up.

– Your monthly income is below your state’s median family income.

About Direct Recovery Services

Direct Recovery Services is a third-party debt collector located in Two Harbor, Minnesota. DRS has been a party to a Federal Court case over 35 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Contact Information

Address: 629 7th Ave Ste 1

Two Harbors, MN 55616-1400

Phone: (646) 938-3123

Is Direct Recovery Services a Scam?

According to the Better Business Bureau website, Direct Recovery Services is not a scam. The company has been in business for 7 years, and there have been 65 complaints filed against DRS with the BBB by dissatisfied consumers facing cases of debt collection harassment. Read more here: Direct Recovery Services Better Business Bureau

Direct Recovery Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

646-938-3123, 218-249-0445, 855-269-9628, 612-315-6115, (646) 938-3123, (218) 249-0445, (855) 269-9628, (612) 315-6115, 6469383123, 2182490445, 8552699628, 6123156115

If the answer is yes, then you are receiving calls from a known DRS number. You may be a victim of debt collection harassment without your knowledge. Call us now on 877-791-1990 to get help.

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The following is a sample list of complaints filed against Direct Recovery Services in the past and can be found on Pacer.org.

8:18-cv-00579-EAK-TGW Santiago v. Direct Recovery Service

1:18-cv-01717-WYD-KMT Gregory v. Direct Recovery Services

2:19-cv-05041-MTL Meador v. Direct Recovery Services

3:18-cv-00830-BJD-JRK Brink v. Direct Recovery Services

2:18-cv-11955-GAD-RSW Sellers v. Direct Recovery Services

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors emerge from the situation victorious. Contact our office to begin the process of stopping the harassment you may currently be receiving from Direct Recovery Services. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at 877-791-1990 for immediate assistance.

Check out the links below for more information:

https://www.consumer.ftc.gov/articles/debt-collection-faqs

Minnesota Attorney General

Consumer Finance

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