Who is J P Recovery Services and why are they calling me?

J P Recovery Services is a debt collection agency that contacts consumers over unpaid debts. If they’re calling you, they likely believe you owe money on an account they are servicing.

Is J P Recovery Services a legitimate debt collector or a scam?

J P Recovery Services is a legitimate debt collection agency. However, always ask for written proof of any debt before making payments to ensure the claim is valid.

Can J P Recovery Services legally harass me with phone calls?

No. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors like J P Recovery Services are prohibited from harassing you with frequent or abusive phone calls.

What should I do if J P Recovery Services won't stop calling?

Document all calls and send a cease-and-desist letter requesting no further contact. If calls continue, report the issue to the CFPB or consult with a consumer rights attorney.

Can I sue J P Recovery Services for phone harassment?

Yes, if J P Recovery Services violates the FDCPA or TCPA by harassing you, using robocalls without consent, or calling repeatedly, you may have grounds for a lawsuit.

Does J P Recovery Services use robocalls or spoofed numbers?

Some consumers have reported receiving robocalls or calls from spoofed numbers from J P Recovery Services. If this happens without prior consent, it may be illegal.

Can J P Recovery Services affect my credit report?

Yes, J P Recovery Services can report unpaid debts to credit bureaus. This could negatively impact your credit score if not addressed or disputed promptly.

How do I get J P Recovery Services to stop contacting me?

Send a written request via certified mail instructing them to cease communication. If they continue, report them to the FTC or seek help from a consumer protection attorney.

What rights do I have against J P Recovery Services under the FDCPA?

You have the right to request debt verification, limit contact, and dispute inaccurate information. The FDCPA prohibits deceptive, unfair, or abusive practices by debt collectors.

Should I pay a debt to J P Recovery Services without verification?

No. Always request a written debt validation notice before making any payment. This ensures the debt is accurate and legally enforceable.

Stop J P Recovery Services Phone Harassment!

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Stop JP Recovery Services Phone Harassment in 2026!

Are you feeling overwhelmed or scared by constant phone calls from JP Recovery Services? Do they threaten to sue you, garnish your wages, or call your family and neighbors about your debt? These aggressive tactics are illegal, and you have the right to make them stop.

You may get Up to $1,000 in statutory damages , coverage of attorney fees and court costs & relief from harassing phone calls

Debt collection harassment can be stressful and intimidating, but you are not alone. Laws exist to protect you, and professional legal help can guide you every step of the way.

What is JP Recovery Services?

JP Recovery Services, also known as JP Receivables Management Partners (JP RMP), is a third-party debt collection agency based in Rocky River, Ohio.

Founded: 1998
BBB Accredited: Since 1999
Employees: Over 150
Specialties: Medical billing, bad debt collection, pre-collection/early out
Address: 20220 Center Ridge Rd., Suite 200, Rocky River, OH 44116
Phone: (440) 331-2200 | Alternate: 800-366-0109

JP Recovery Services operates nationwide and primarily collects healthcare and other delinquent accounts.

Is J P Recovery Services a Scam?

According to the Better Business Bureau website, they have been in business since 1998. There have been 18 customer complaints filed against J P Recovery Services. In addition, there are numerous JP Recovery Services complaints and consumer complaints filed with organizations such as the Better Business Bureau and the , highlighting concerns about their collection practices. Read more here: J P Recovery Services Better Business Bureau.

Signs of JP Recovery Services Harassment

If you’re receiving calls from JP Recovery Services, look out for these illegal tactics:

How They Communicate	Why It’s Illegal
Use abusive language	Violates FDCPA’s prohibition on harassment
Calling you at restricted hours	FDCPA restricts unreasonable call hours
Multiple calls per week or per day	FDCPA limits repetitive and abusive calls
Talking to others about your debt	FDCPA forbids disclosing debt to third parties
Calling your workplace after notice	Violates FDCPA and employer privacy rules
Threatening lawsuits	Misrepresentation under FDCPA
Claiming you committed a crime	Threats and false statements are illegal
Calling for the wrong person repeatedly	Harassment and deceptive practice
Failing to notify your right to dispute debt	Debt validation is your legal right
Collecting more than legally allowed	Exceeding legal debt limits violates the law

Common phone numbers used by JP Recovery Services:

(440) 331-2200
(888) 461-2700
(888) 694-6903
(866) 907-2459
(440) 356-5048
(888) 236-9541
Note: JP Recovery may use multiple numbers. Even if a call comes from a different number, it could still be them.

How JP Recovery Services Can Affect Your Credit

Debt collection activity can impact your credit report and score. If a collection account is reported:

Your credit score may drop
It may remain on your report for up to 7 years
It can affect loans, credit cards, and housing applications

Your rights under the FCRA:

Verify any debt reported
Dispute inaccurate information
Request debt validation from JP Recovery Services
Correct errors on your credit report

Pro Tip: Always get any settlement, payment, or debt agreement in writing to protect your credit.

Legal Protections Against JP Recovery Services

Law	Protects You From	Remedies / Compensation
FDCPA	Harassing calls, threats, false info	Stop calls, up to $1,000 + attorney fees
TCPA	Robocalls / pre-recorded calls	Up to $500 per call
EFTA	Unauthorized bank withdrawals	Stop deductions, get refunds
FCRA	False info on credit report	Dispute errors, up to $1,000 + fees
State Laws	Extra protection vs harassment	State-specific damages (e.g., $500–$4,000 in NC)

What You Can Do Against Harassment

Keep records of all calls, texts, emails, and letters.
Request debt validation in writing.
Send a cease-and-desist letter demanding all future communication be in writing.
Monitor your credit reports (Equifax, Experian, TransUnion).
Consult a law firm specializing in consumer rights if harassment continues.

You are not alone, and there are proven legal strategies to stop the harassment.

Settlement & Debt Relief Options

Negotiate payment plans or settlements in writing
Work with reputable credit counseling agencies
Ensure paid debts are marked “settled” or “paid” on your credit report
Consider legal action for damages if FDCPA, TCPA, EFTA, or FCRA violations occurred.

Real Lawsuits Against JP Recovery Services

Many consumers have filed lawsuits under the FDCPA and other laws:

Case	Year	Issue	Outcome
Zenobia M. v. JP Recovery Services	2019	Frequent harassing calls after request to stop	Settled with statutory damages
Andrick v. JP Recovery Services	2004	FDCPA violations	Resolved through complaint
Various PACER-listed cases	2000–2022	FDCPA & consumer rights violations	Multiple settlements

CONSUMER RIGHTS LAW FIRM PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop their harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau. Our service includes assisting clients with debt validation, payment disputes, and stopping harassment, ensuring expert support throughout the process.

If you are interested in learning more about how to safeguard yourself and prevent even more harassment from J P Recovery Services, call us at 877-700-5790.

Success Stories

🏆 “I was getting daily calls from a debt collector who kept threatening legal action over a very old account. I had no idea if the debt was even real. I felt overwhelmed until I found Consumer Rights Law Firm PLLC. They were incredibly helpful from the start, no confusing legal talk, just real solutions. They walked me through my rights, collected the evidence, and handled everything professionally. Within a few weeks, the threats stopped, and I received a settlement check. I never thought I could fight back, this firm gave me that power.”
🏆 “Consumer Rights Law Firm PLLC is a team you can trust. I was being harassed over a debt that wasn’t even mine, constant phone calls, voicemails, and even messages to my relatives. I didn’t know how to make it stop. A quick consultation with this law firm changed everything. They took the time to understand my case, gathered all the call logs and voicemails, and filed a formal complaint. The best part? I didn’t have to pay anything upfront. The harassment stopped and justice was served. So grateful for their support!”
🏆 “From the moment I contacted Consumer Rights Law Firm PLLC, I felt like I was in good hands. I was nervous because I’d never worked with an attorney before, but their team was so patient and professional. The collectors were calling me 4–5 times a day and even using different numbers to bypass call blocking. The law firm explained exactly what my rights were and took action quickly. Not only did the calls stop, but I also got a fair settlement without having to step foot in court. If you’re being harassed by collectors, don’t wait, reach out to them.”

FAQs

Is JP Recovery Services a scam?

No, They have been in business since 1998.

Can they seize my property?

They can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court. Paying or arranging payments should only be done after confirming the debt’s legitimacy.

Can they sue me?

Yes, they can sue you so long as the debt is within the statute of limitations. However, lawsuits by JP Recovery Services are rare and typically only occur if they own the debt. If you are threatened with a lawsuit, seek legal help immediately.

Can they report my debt to the collections bureaus?

Yes, Debt collectors are allowed to place the collection account on your credit report. Before making any payments, it is important to verify the debt’s legitimacy and identify the original creditor to ensure the debt is accurate and valid.

Can they arrest me?

Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

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.