If you are getting calls, texts, emails, or letters tied to Total Recovery Solutions Debt Collection, the safest first move is usually to slow the process down, demand written details, and compare them to your own records before you discuss payment.
This is general information, not legal advice. If you believe the contact is abusive or misleading, it may help to document everything and talk with a consumer lawyer about your options.
Table of Contents
Who is the company
Why this debt collection may be contacting you
What to do if they are calling you
What they say they do
Contact information
What harassment can look like
When contact could potentially cross the line
What to do if they mention legal action
What to do if the account is legitimate
Your rights under federal law
How to reduce calls, messages, and confusion
Reviews and where complaints show up
Get help
Success stories
Conclusion
FAQs
Who is Total Recovery Solutions?
Total Recovery Solutions Inc is a name consumers sometimes report seeing in collection-style communications, but public records also show similarly named entities using “LLC” in litigation and business listings. For example, public federal docket listings reference “Total Recovery Solutions, LLC” in FDCPA-related cases. If you believe you are dealing with this company, the most important step is to verify the exact legal name and mailing address on the written notice you received. Ramos v. Total Recovery Solutions, LLC docket listing
Because name confusion is common, you may also see other unrelated businesses with “total recovery” in the name. Your evidence should drive your next steps, not assumptions based on search results.
Why this debt collection may be contacting you
Total Recovery Solutions may be contacting you because a creditor, lender, or service provider claims you owe a balance and has placed the account with a third party to pursue payment.
In some situations, contact may follow a charge-off, a past-due account placement, or a disputed balance that was never resolved. In other situations, the outreach could be related to a debt that is old, already paid, or not yours.
If you do not recognize the creditor or the amount, that could indicate a wrong-person issue, identity theft, a data error, or a scam. Your goal is to verify what the claim is in writing before you react.
What to do if Total Recovery Solutions are calling you
If Total Recovery Solutions is calling you, use a proof-first workflow that reduces risk and keeps you from saying something you later regret.
Let unknown numbers go to voicemail
Save the audio and take a screenshot of the call log. Patterns matter more than one call.
Ask for written details, not a phone argument
Use one sentence: “Please send me the details in writing.” Then stop talking.
Do not share sensitive information before verification
Avoid sharing full Social Security numbers, bank details, employer information, or login codes unless you are confident the request is legitimate and you have written documentation that matches your records.
Start an evidence log
Track date, time, number used, person’s name, and what they asked for. Save letters and envelopes. Keep screenshots of texts.
Request the key items that help you verify
Ask for:
- The current creditor name and the original creditor (if different)
- The amount claimed and an itemized breakdown of interest and fees
- Key dates (charge-off or placement date, last payment date if known)
- The account or file reference number
- The mailing address for disputes
If they refuse to provide clear written details, it may be safer to pause rather than pay just to stop calls.
What they say they do
Total Recovery Solutions is commonly described in public-facing sources as a collections-type operation, but the most reliable description is what appears on the written notice you received and any required disclosures included with it.
If the communication states “this is an attempt to collect a debt” or similar language, that suggests the sender is presenting itself as a debt collector. If you believe the caller is demanding money without paperwork, that could indicate impersonation, and you should shift immediately into verification mode.
Total Recovery Solutions Contact information
Use the address and phone number printed on your letter first. If you need to cross-check, some public business directory listings show locations and numbers tied to similarly named entities. These listings can help you compare details, but they are not a substitute for the contact information on your actual notice.
Address and phone cross-check table
Copy-friendly table (verify before mailing anything):
Location Type Address Phone (listed) Source
Kansas City, MO Directory listing 3543 Broadway Blvd, Kansas City, MO 64111 816-682-9988 AllBiz listing
Kansas City area Directory listing 3543 Broadway Blvd, Kansas City, MO 64111 816-682-9988 Buzzfile listing
Overland Park, KS Directory listing 8900 Indian Creek Pkwy, Overland Park, KS 66210 913-951-8351 Buzzfile listing
If the address on your letter does not match any public listing, that does not automatically mean the contact is fake. It could be a different office, a mailing address, or a newer record. Verification still starts with written documentation.
Total Recovery Solutions Phone Number
Total Recovery Solutions Phone Number details can vary depending on the notice, the office, and the creditor relationship. The safest callback method is to use the number printed on your letter and compare it to at least one independent listing before you return a call.
If you think you may be dealing with a spoofed caller ID, do not call the number that called you back. Instead, use Total Recovery Solutions Phone Number information from your letter and a cross-check listing, then ask for the mailing address and file reference in writing.
Identity and impersonation warning
Scammers can spoof real numbers and use real company names. If you believe the caller is pushing urgent payment, refusing to provide a mailing address, or demanding gift cards, crypto, or wire transfers, treat that as a red flag and stop engaging until you verify.
What harassment can look like
Total Recovery Solutions Harassment is usually about patterns, not one call. If you believe the contact feels excessive, misleading, or designed to pressure you without clarity, your documentation is what matters.
Behaviors that could indicate a problem, depending on the facts
- Repeated calls about the same alleged debt in a short period
- Calls or texts that continue after you ask for written-only communication
- Statements that imply immediate legal consequences without providing paperwork
- Wrong-person contact that continues after you dispute the account
- Requests for sensitive information before giving you written details
Call-frequency rules you can use for documentation
Regulation F includes a call-frequency presumption tied to a specific debt. Calls placed more than seven times within seven consecutive days about a particular debt are presumed to violate the rule, and after a telephone conversation about the debt, another call attempt within seven days is also presumed to violate. 12 CFR 1006.14
If your call log shows that kind of pattern, save it.
When contact could potentially cross the line
Only a court or regulator can decide whether conduct is unlawful. Still, if you believe the communications include misleading claims, improper threats, or excessive contact patterns, that could potentially raise issues under federal consumer protection laws.
Examples that might violate the FDCPA if the caller is a covered “debt collector”
- Harassing or abusive conduct
- False or misleading representations
- Unfair practices tied to collection pressure
A practical rule is to avoid labeling anything “illegal” in your notes. Focus on what happened: dates, times, words used, and what was demanded.
For reference, the FDCPA is here: FDCPA statute (15 U.S.C. § 1692)
What to do if Total Recovery Solutions mention legal action
If Total Recovery Solutions mentions “lawsuit,” “judgment,” “garnishment,” or “summons,” treat that as a reason to slow down and demand specifics.
What to do right away
- Ask for the court name, case number, and plaintiff name
- Request that they send the information in writing
- If you receive real court documents, respond by the deadline
A voicemail is not proof of a lawsuit. Court papers are. If you are unsure whether documents are real, you can check the court’s online docket in many jurisdictions or ask a consumer attorney to review what you received.
Public court record note
Public dockets show that a company named “Total Recovery Solutions, LLC” has appeared in federal consumer-credit cases in the past, including Fair Debt Collection Practices Act (FDCPA)-related allegations. That is not proof your specific situation is unlawful, but it supports the idea that documentation and careful steps matter. CourtListener docket for Bubel v. Total Recovery Solutions, LLC
What to do if the account is legitimate
If Total Recovery Solutions provides a written notice that matches your records and you decide the account is legitimate, treat payment as a controlled process.
Get terms in writing before you pay
Ask for written confirmation of:
- The total payoff amount or settlement amount
- Due dates and accepted payment methods
- How the account will be treated after payment (paid in full vs. settled)
Use payment safety basics
- Do not pay through links you did not request
- Avoid providing debit-card credentials over an unsolicited call
- Keep receipts, confirmation numbers, and settlement letters in one folder
If you cannot get terms in writing, it may be safer to pause and seek advice before sending money.
Your rights under federal law
If you believe you are dealing with a third-party debt collector, several federal laws may matter depending on the facts.
FDCPA
The FDCPA restricts harassment, deception, and unfair practices by covered debt collectors and provides dispute and validation tools. FDCPA statute (15 U.S.C. § 1692)
Regulation F
Regulation F modernizes FDCPA rules and includes call-frequency presumptions that can help you document repeated calling patterns. 12 CFR 1006.14
TCPA
If you believe you are receiving prerecorded calls or autodialed calls or texts without consent, TCPA issues could be relevant. Documentation of consent, timestamps, and message content becomes important.
FTC consumer protection resources
If you believe a caller may be a scammer pretending to collect a debt, this FTC guidance can help you spot red flags and report. FTC: Fake and abusive debt collectors
How to reduce Total Recovery Solutions calls, messages, and confusion
To reduce contact quickly, your plan should create a paper trail and reduce phone exposure.
Step 1: Use one sentence on the phone
“I’m requesting the details in writing.” Then stop.
Step 2: Send a written request
Ask for the creditor name, amount itemization, key dates, and dispute instructions. Keep a copy.
Step 3: Dispute if you think the claim is wrong
If you think the debt is not yours or the amount is wrong, dispute in writing and request verification before payment.
Step 4: Tighten your communication rules
If calls are overwhelming, request communication in writing only. If contact continues, keep documenting.
Step 5: Build an evidence file
Most people lose leverage because they do not keep records. Save:
- Call log screenshots and voicemail audio files
- Letters and envelopes
- Copies of your dispute or validation request
- Certified mail receipts if used
- Payment receipts and written settlement terms if you pay
Reviews and where complaints show up
Total Recovery Solutions Reviews
Total Recovery Solutions Reviews can appear on public forums and consumer discussion sites. Reviews are consumer allegations, not proven violations, but they can help you identify recurring themes to document, such as wage garnishment threats, repeated calls, or confusion about who the creditor is.
If you read reviews, focus on the behaviors that are easy to prove in your own situation: call frequency, refusal to send written details, and pressure tactics.
Total Recovery Solutions BBB
Total Recovery Solutions BBB searches may not always return a clear match because similarly named businesses exist, and BBB profiles can vary by location and legal entity name. If you search their BBB, compare the address and phone number on your letter to any profile you find, and do not assume a match based on name alone.
If you cannot find a reliable profile under BBB, you can still move forward with proof-first steps: request written validation details, set communication boundaries, and document the pattern.
Get Harassment help
If you believe the contact from Total Recovery Solutions may be abusive, misleading, or repeated beyond what feels reasonable, a consumer protection law firm can help you respond with a documentation-based plan.
Consumer Rights Law Firm PLLC focuses on FDCPA, FCRA, and TCPA matters and can review call logs, letters, and credit report impacts to assess whether conduct could potentially violate federal law.
Law firm contact details (copy-friendly):
Name Consumer Rights Law Firm PLLC
Address 133 Main Street, Second Floor, North Andover, MA 01845
Phone +1 877-700-5790
Email help@consumerlawfirmcenter.com
If you want help drafting a dispute, organizing evidence, or evaluating whether the conduct may violate consumer protection laws, call +1 877-700-5790.
Success stories
Conclusion
Total Recovery Solutions contact that feels urgent is exactly when you should slow down. Your safest path is usually to demand written details, verify the creditor and amount, document the call pattern, and respond to real court paperwork on time. If you believe the contact may be deceptive or excessive, get help before you guess.
This is general information, not legal advice. If you want a review of your call logs and letters and a clear plan, Consumer Rights Law Firm PLLC can help.
FAQs About Total Recovery
What is Total Recovery Solutions Inc.?
This is a name consumers may see in collection-style contact. Public records also reference similarly named entities using “LLC,” so verify the exact legal name on your notice before you respond.
What is the safest way to use a phone number?
The safest method is to use the number printed on your letter, not caller ID. If you call, ask for the mailing address and file number and request details in writing before discussing payment.
Where can I look for Total Recovery Solutions BBB information?
Company searches can be confusing due to similar names. Match any profile you find to the address and phone on your notice, and treat mismatches as a reason to verify in writing.
How should I interpret reviews?
Their reviews are allegations, not proof. Use them to spot patterns to document, like repeated calls or refusal to send written details, then focus on your own call logs and letters.
What should I do if Total Recovery Solutions says I will be sued?
Ask for the court name, case number, and plaintiff, and request written proof. A threat alone is not proof, so slow down and verify, then respond quickly if real court papers arrive.
What if the debt is not mine?
Dispute in writing and state you believe it is wrong-person contact. Ask for verification and stop discussing details by phone. Keep copies, envelopes, and proof of what you sent.
What if they keep calling after I ask for mail-only contact?
Save call logs and voicemails and keep a copy of your written request. If you believe the pattern is excessive, that could potentially support a complaint or legal review depending on the facts.
Can a collector report a debt to credit bureaus?
It depends on who is furnishing the data and the account. If you believe reporting is inaccurate, dispute with the bureaus and dispute directly with the furnisher, and keep screenshots and responses.
How do I know if this is a scammer impersonating a collector?
Be cautious if they refuse a mailing address, demand urgent payment, or request gift cards, crypto, or one-time codes. Verify using a known number from your paperwork and request written proof.
How can Consumer Rights Law Firm PLLC help?
They can review your letters and call logs, help you draft disputes and validation requests, and assess whether the conduct may violate FDCPA, FCRA, or Telephone Consumer Protection Act based on your documented facts.
