Direct Recovery Services Calling?

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Direct Recovery Services Calling?

A call from a collection agency like Direct Recovery Services is not something anyone looks forward to, especially if you’re already finding it hard to make ends meet. Debt collection agents like Direct Recovery Services call you to pursue you to make payments on your delinquent debts, which may just be impossible if you are in serious financial trouble, 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 is a sure way to handle Direct Recovery Services debt collection harassment, resolve your issue of unpaid debt, and escape your financial worries.

Debts are really scary and if not handled properly could lead to a court 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.

Call us at 877-700-5790 to help you decide if filing bankruptcy is the best option for you.

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.

Your debt collection rights

There are many things you have a legal right to when facing Direct Recovery Services debt collection. Even if you actually owe the money in question, you still have rights. Remaining ignorant of your rights or failing to exercise them will lead to you going through a lot of stress during the Direct Recovery Services debt collection process. This is why we’re telling you a few of the most important legal rights you have below.

Note that the FDCPA only applies to third party debt collectors like direct recovery services llc. If the person calling you is your original creditor, then the FDCPA does not apply.

  • You can dispute debt amounts

You have the right to dispute any debt amount if it’s higher than the amount of money you suspect you owe. This is because Direct recovery or any other debt collector is not allowed to add interest to the original amount of your debt.

  • You have the right to getting the absolute truth from DirectRecoveryServices

When a debt collector calls you, they are forbidden from lying to you. Any debt collector who lies has violated the FDCPA. The FDCPA prohibits them from misrepresentation in any form. Either misrepresenting their identity, the debt, or any paper/document.

  • You can avoid paying an old debt

If a debt gets so old that it exceeds the statute of limitations, direct recovery services cannot legally hold you over it anymore. This means that you cannot be sued for it. And once the credit reporting time limit passes, it won’t be reported on your credit report anymore.

  • You have the right to privacy as regards your debt

The FDCPA grants you the right to privacy. No third party should be told intimate details about your debt. Debt collectors can call your friends or family to ask them about your address or phone number, but they are not allowed to disclose your debt information to them.

  • You have the right to stop debt collection calls

If you are experiencing Direct Recovery Services phone harassment, the FDCPA allows you to stop Direct Recovery Services from calling you. You can tell them to communicate with you only via writing. You can also restrict their calls by telling them when and where they’re allowed to call you. This will go a long way in curbing Direct Recovery Services phone harassment. 

About Direct Recovery Services

Direct Recovery Services (also known as Direct Recovery Associates) is a third-party debt collector located in Two Harbor, Minnesota. The company is known to collect on both consumer and business debts.

Contact Information

Address: 629 7th Ave Ste 1

Two Harbors, MN 55616-1400


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: Better Business Bureau

Direct Recovery Services Phone Numbers

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

218-249-0445, 855-269-9628, 612-315-6115, (646) 938-3123, (218) 249-0445, (855) 269-9628, (612) 315-6115, 646-938-3123, 2182490445, 855-269-9628, 6123156115, 855-589-5055, 833-268-5748, 218-433-4004, 844-893-1760,877-291-9781, 651-390-0401, 218-285-8559, 844-512-9080, 612-474-9519, 612-216-4368, 844-450-1649, 678-374-1339, 678-388-9868, 678-261-7743, 678-823-8558,470-264-3383

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 at 877-791-1990 to get help.

FAQs we get asked about Direct Recovery Services

  • What debts does the FDCPA cover?

The FDCPA covers consumer debts, such as personal, family, and household debts. These include medical debts, credit card debts, auto loans, student loans, and so forth.

  • Who is Direct Recovery Solutions?

Direct Recovery Solutions (also known as Direct Recovery Services is a third-party debt collector based in Two Harbors, Minnesota. A third-party debt collector is an individual representing an organization that regularly makes collection attempts on debts owed to themselves or others. Note than an attorney can also be a “third-party” debt collector, as many attorneys are hired by debt collectors and original creditors to make collection attempts on a debt. In this case, their conduct is also strictly governed by the FDCPA.

  • Who does Direct Recovery Services collect for?

Direct Recovery Services LLC collects loans across a variety of sectors such as credit cards, utilities, telecommunications, health care, student loans, and much more. They do not publish the list of the companies they officially collect for, however, you can expect to hear from DRS debt collectors if you owe any of the types of debts listed above.

  • How should Direct Recovery reach out to me?

Direct Recovery us allowed to contact you in person, via email, telephone (not before 8:00 a.m. or after 9:00 p.m.), telegram, or fax. A new amendment of the FDCPA last year now allows debt collectors to reach you via your social platforms such as Facebook and Instagram as work. This means more debt collection calls that can lead to harassment and is definitely a good reason to get a debt collection attorney on your side.

  • Can I stop DRS debt collectors from calling?

Yes. Legally, you are allowed to stop DRS debt collectors from contacting you. You can do this by either writing a cease-and-desist letter to the collection agency (which should be sent via certified letter mail), or by retaining legal counsel to whom all further communications will be directed. Note that none of these tactics actually make the debt go away, and you will still be required to pay it if you actually owe it.

  • Can Direct Recovery Services LLC tell anyone about my debt?

If you have an attorney, then Direct Recovery Services LLC is allowed to reveal sensitive information regarding the details of your debts to them. If you don’t, then they can talk to your parents (if you are a minor), spouse, or co-signor. Any contact with other third-parties, apart from the persons listed above, is a violation of the FDCPA. If DRS debt collectors have contacted an unauthorized third-party about your debt, be sure to ask them to furnish you with details about what was discussed, as they are only allowed to ask the person for your contact, employment, or residential address.

  • What information should Direct Recovery Services furnish me with regarding my debt?

Direct Recovery Services has five days (counting from the day after you were first contacted), to send you a written verification of the debt. This verification should contain: the name of your original creditor, the amount of money you owe, and what action to take if you wish to dispute the debt.

  • How do debt collectors get family members phone numbers?

Often through a process called “skip tracing,” debt collectors may be able to recover contacts of people you are affiliated with in a bid to reach you.

  • Should Direct Recovery Services keep calling if I don’t think that I owe the debt?

Direct Recovery Services is expected to suspend all collection efforts during the period of debt verification or dispute. They can, however, resume collection actions if they are able to prove that the debt is indeed yours.

  • Is Direct Recovery Services legit?

Yes. Direct Recovery Services is a registered and licensed collection agency located in Two Harbors, Minnesota.

  • How do I avoid a Direct Recovery Services LLC lawsuit?

To avoid a Direct Recovery Services LLC lawsuit, never ignore collection attempts being made by your debt collector or neglect the payment of your debts. Doing so could lead them to serve you with court documents in a bid to get your attention, or to have your wages garnished towards the repayment of your debts.

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:


Minnesota Attorney General

Consumer Finance

Comenity Bank Phone Harassment

National Enterprise Systems Harassment

R&R Professional Recovery Debt Collection Harassment?

Direct Recovery Services
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.