If you received a call, letter, or voicemail from U.S. Recovery Bureau, the safest first move is usually to slow the process down, ask for written details, and compare them to your own records before you discuss payment. If you believe the contact is wrong-person or the amount is wrong, moving everything into writing may protect you from mistakes and may help you document what happened.
Not legal advice. This is general information for U.S. consumers. Laws and outcomes depend on the facts, the state, and who is contacting you.
Table of Contents for U.S. Recovery Bureau
- Who is U.S. Recovery Bureau?
- 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 the U.S. Recovery Bureau?
U.S. Recovery Bureau is presented online as a provider of skip tracing and repossession-related recovery services for businesses. Its website states a mission to help businesses locate debtors and collateral and describes itself as a collection agency that focuses on locating and recovering collateral and outstanding debts.
Public information about ownership, licensing, and corporate registration is limited on the website itself. Because of that, it may be safer to treat an unexpected call as unverified until you match it to written documentation that lists the creditor name, the alleged account, and the amount. If you think the caller could be a scammer using a real company name, written verification and a call-back to a published number may reduce risk.
Why U.S. Recovery Bureau may contact you?
The U.S. Recovery Bureau may contact you because a creditor, lender, servicer, or another business claims you owe a balance, or because a business is trying to locate property tied to an account. The company’s website references locating debtors, collateral, and “outstanding debts,” which can align with collection-style communications in some situations.
If you do not recognize the creditor name or the amount, that could indicate a wrong-person issue, identity confusion, an old account, or a billing dispute. If you believe the debt may be time-barred, paid, discharged in bankruptcy, or not yours, you may want to pause and validate the claim in writing before you talk settlement or payment terms.
What to do if U.S. Recovery Bureau calls you?
If US Recovery Bureau is calling you, use an evidence-first workflow that reduces risk and keeps you in control:
- Let unknown numbers go to voicemail, then save the audio and a screenshot of the call log.
- Ask for written details, not a phone argument: “Please send me the details in writing.”
- Avoid sharing sensitive information (full SSN, bank numbers, employer details) until you have documentation that matches your records.
- Start an evidence log: date, time, number, name used by the caller, and a one-line summary.
- Compare any written notice to your own statements and your credit reports before you decide your next step.
If you believe the contact is for the wrong person, say so clearly and request mail-only communication while you dispute the account.
What to request in writing
Debt collection pressure becomes manageable when you turn it into a checklist. Ask for:
- The current creditor name and, if different, the original creditor
- The amount claimed and an itemized breakdown of interest and fees
- Key dates (last payment date, charge-off date, placement date, and any judgment date if applicable)
- The account or file reference number used to identify the claim
- The address for sending a dispute and the name of the company that will review it
If the caller cannot provide clear written details, it may be safer to pause rather than pay just to stop calls.
What U.S. Recovery Bureau says they do
U.S. Recovery Bureau describes itself as a provider of skip tracing and repossession services and says its mission is to help businesses locate debtors and collateral. The site also states that it helps businesses recover outstanding debts efficiently and effectively.
Some communications may be tied to secured accounts (for example, locating collateral) rather than traditional third-party debt collection. The rules that apply can depend on who owns the debt, whether the caller is collecting for another, and the purpose of the communication.
U.S. Recovery Bureau contact details
U.S. Recovery Bureau Phone Number details should be verified using the number printed on your letter first. If you need a cross-check, the company’s website lists a phone number and business hours.
| Category | Details |
| Name used on website | US Recovery Bureau |
| Main phone | (423) 208-9059 |
| Listed hours | 9:00 am – 5:00 pm |
| Physical address | Not clearly listed on the public website. Use the address on your letter and verify it in writing. |
Important: collectors and recovery firms may use multiple outbound numbers, and scammers can spoof real numbers. Written verification remains the safest identity check.
What harassment by U.S. Recovery Bureau can look like
U.S. Recovery Bureau Harassment is usually about patterns, not a single call. If you believe contact is excessive, misleading, or designed to pressure you without clarity, your documentation is what matters.
Examples that could indicate a problem, depending on the facts:
- Repeated calls about the same alleged account in a short period
- Calls that continue after you ask for communication in writing only
- Statements that imply immediate legal consequences without providing paperwork
- Requests for payment methods that feel unsafe, such as gift cards or crypto
- Contact aimed at the wrong person that continues after you dispute the account
For Fair Debt Collection Practices Act (FDCPA)-covered collectors, Regulation F includes call-frequency presumptions tied to a specific debt. For example, a debt collector is presumed to comply if it does not call more than seven times within seven consecutive days about a particular debt and does not call again within seven days after a telephone conversation. A collector is presumed to violate if it exceeds those frequencies, subject to exclusions.
When U.S. Recovery Bureau may go too far?
When U.S. Recovery Bureau contact could potentially cross the line is a fact-specific question, but certain behaviors are common red flags.
Repeated calls after a clear request
Repeated calls after you ask for mail-only communication could indicate a compliance issue, especially if you are trying to dispute the account or verify identity.
Misleading pressure or threats without specifics
Threat language that sounds definite but lacks a court name, case number, and plaintiff information could indicate a pressure tactic rather than a real legal event.
Third-party disclosures
If you believe a caller disclosed the alleged debt to coworkers, relatives, or neighbors in a way that was not allowed, that could potentially raise legal concerns.
Demands for sensitive information
A request for full SSN, bank login, or employer details before providing written validation could indicate a scam or an unfair practice.
What to do if U.S. Recovery Bureau mentions legal action
If U.S. Recovery Bureau mentions legal action, treat it as a reason to slow down and demand specifics.
- Ask for the court name, case number, and the name of the plaintiff.
- Request that they send the information in writing.
- If you receive real court papers, respond by the deadline. Ignoring service paperwork could lead to a default judgment.
- Verify the case with the court’s docket if you are unsure whether documents are real.
A voicemail is not proof of a lawsuit. Court papers are.
What to do if your U.S. Recovery Bureau account is valid
If the notice matches your records and you decide the account is legitimate, treat payment as a controlled process.
- Get payoff or settlement terms in writing first (amount, due dates, and how the account will be reported).
- Use official payment instructions from the written notice.
- Keep receipts, confirmation numbers, and any settlement letter in one folder.
Payment safety checklist
U.S. Recovery Bureau Payment decisions should be based on documentation, not pressure. Use this checklist to avoid preventable mistakes:
- Confirm the creditor name and file number match your written notice.
- Do not pay through text links you did not request.
- Keep “paid in full” versus “settled” language clear in writing.
- Save receipts and screenshots of any portal confirmations.
If you cannot get terms in writing, it may be safer to pause and seek advice before sending money.
Your rights with U.S. Recovery Bureau under federal law
Your rights with U.S. Recovery Bureau under federal law depend on who is contacting you and why, but these rules often matter in collection-style disputes.
FDCPA protections against abusive tactics
The Fair Debt Collection Practices Act (FDCPA) restricts third-party debt collectors from using harassing, abusive, deceptive, or unfair tactics in collecting consumer debts. If you believe a caller’s conduct is harassing or misleading, it could potentially raise FDCPA issues depending on whether the caller is a covered “debt collector.” Fair Debt Collection Practices Act (FDCPA) text
Debt validation and written notice requirements under Regulation F
Debt validation is the process where a collector provides key information so you can identify the creditor, the amount, and your options to dispute. Regulation F generally requires a debt collector to provide validation information in the initial communication or within five days of that initial communication. 12 CFR 1006.34 (validation information and timelines)
Call-frequency presumptions under Regulation F
Call-frequency presumptions are rules that create presumptions of compliance or violation based on call volume about a particular debt. Regulation F describes the “more than seven calls within seven consecutive days” threshold and the “seven days after a conversation” threshold, subject to exclusions. 12 CFR 1006.14 (Regulation F call-frequency presumptions)
Credit reporting disputes and the FCRA
Credit reporting disputes may implicate the Fair Credit Reporting Act (FCRA) if you believe information on your credit report is inaccurate. Keep proof of your disputes and responses, plus screenshots before and after any changes.
Robocalls, texts, and TCPA concepts
Robocalls and repeated texts may implicate the Telephone Consumer Protection Act (TCPA) in some situations, especially if you believe you received prerecorded messages or certain automated calls without required consent. The rules can be fact-specific, so documentation matters.
How to reduce calls from U.S. Recovery Bureau
How to reduce calls, messages, and confusion starts with controlling communication channels and building a paper trail.
- Use one sentence on the phone: “I’m requesting the details in writing.”
- Send a short written request asking for the creditor name, itemized amount, and dispute instructions.
- If calls are overwhelming, request communication in writing only and keep a copy.
- If you think the debt is wrong or not yours, dispute it in writing and ask for verification before payment.
- Save every envelope, voicemail, and call log screenshot.
Build an evidence file
Build an evidence file that includes:
- Call logs, screenshots, and voicemail audio
- Letters and envelopes
- Copies of any dispute or validation request
- Certified mail receipts if you use certified mail
- Payment receipts and settlement letters if you pay
Good records make it easier to explain what happened if you later need help.
U.S. Recovery Bureau reviews and complaints
Reviews and where complaints show up can be hard to evaluate because company names may overlap and online complaints can be incomplete or inaccurate. For this reason, treat online reviews as leads, not proof.
If you are researching a caller using this name, focus on verifying identity and the alleged account first. The most important “review” in a debt dispute is your evidence file: the letter, the creditor name, the amount, and the dates.
Where to look for reliable information
Reliable information is usually found in documents, not comments. Start with the letter you received, then verify the sender through independent sources such as state business registries, court dockets (if a case number is provided), and your own credit reports. If you believe a scam is involved, you can also report it to your state attorney general or the Federal Trade Commission and keep the confirmation for your records.
Get help with U.S. Recovery Bureau
Get help is often the fastest path when you are dealing with repeated contact, confusing documentation, or possible credit reporting issues.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC may help consumers respond to aggressive collection contact with a documentation-first plan. The firm focuses on consumer protection matters involving the FDCPA, FCRA, and TCPA, and it can review letters, call logs, and credit reporting to help you understand your options and next steps. If you believe harassment or inaccurate reporting happened, the firm could potentially evaluate whether the facts support a claim. The team may also help you organize deadlines and paperwork.
Choosing Consumer Rights Law Firm PLLC means working with a team that explains options clearly and helps you build evidence without pressure. If you want to stop calls and move the dispute into writing, legal help may make the process more structured.
Read more about: Better Business Bureau
| Item | Details |
| Law firm | Consumer Rights Law Firm PLLC |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Phone | +1 877-700-5790 |
| help@consumerlawfirmcenter.com |
About Attorney Jeff Wood
Jeff Wood is an attorney based in Arkansas and is licensed to practice law. With more than 15 years of experience, he focuses on consumer protection matters involving the FDCPA, Fair Credit Reporting Act (FCRA), and TCPA.
Success stories
I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
I’m extremely grateful for the support and guidance I received throughout my case. From start to finish, the team was professional, responsive, and truly cared about my situation. Thanks to their hard work, my case was resolved completely in my favor without any repayment or attorney fees was guaranteed no money payback out of pocket I would highly recommend them to anyone in need of honest and effective legal assistance.
Conclusion
Collection-style contact can feel urgent, especially when messages mention recovery or payment. The safest strategy is usually not a phone debate. Move the matter into writing, verify the creditor and amount, document call patterns, and respond to real court paperwork on time. If you believe the contact may be abusive, misleading, or simply wrong, get help before you guess.
Not legal advice. If you need advice about your specific situation, consider speaking with a qualified consumer attorney.
FAQs About US Recovery Bureau
Why is U.S. Recovery Bureau calling me?
They may be contacting you about an alleged balance or to locate collateral tied to an account. Ask for the creditor name, itemized amount, and key dates in writing before discussing payment. If you think it is wrong, dispute it in writing.
What is the safest number to call back?
Use the number printed on your letter first. If you need a cross-check, the company’s website lists (423) 208-9059. Call back using a verified number, not caller ID, and request the mailing address and reference number.
Do they have a payment portal?
A portal may be listed on your letter or provided after verification. Avoid paying through text links you did not request. If you want to pay, ask for written terms and official payment instructions.
What should I do about repeated calls and messages?
Start by saving call logs and voicemails, then request written communication. Send a short dispute or validation request and keep copies. If calls continue and you believe the pattern is excessive, consider legal help and keep documenting.
Can they sue me?
A company may pursue legal action if a creditor authorizes it, but phone threats are not proof. If you receive a summons or complaint, verify the court, note the deadline, and get advice quickly to avoid a default judgment.
What if the debt is not mine?
Dispute it in writing and say you believe you are the wrong person. Ask for verification and stop sharing details by phone. Keep copies, envelopes, and receipts so you can prove what you sent and when.
What if I already paid but they still contact me?
Request a written account history showing payment date, amount, and how it was applied. Save confirmations and screenshots. If you believe the balance is still wrong, dispute it in writing with supporting proof.
Can they report to credit bureaus?
Credit reporting depends on the creditor and who furnishes data. If you believe a tradeline is inaccurate, dispute with the credit bureaus and dispute directly with the furnisher. Save screenshots and responses to track changes.
How do I know if a caller is impersonating them?
Be cautious if the caller refuses a mailing address, pressures you to pay immediately, or demands unusual payment methods. Verify by calling a published number and comparing details to your written notice. Do not share sensitive information until verified.
How can Consumer Rights Law Firm PLLC help?
They can review letters and call logs, help you draft disputes and validation requests, and assess whether conduct may violate federal law. They can also help you plan next steps if court papers or credit reporting issues appear.
