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Financial Recovery Services

Financial Recovery Services is a debt collection agency headquartered in Edina, Minnesota. Founded with just two employees in 1996, Financial Recovery Services Inc. (FRS) boasts that it has grown to employ hundreds of bill collectors. Financial Recovery Services has three call centers in Minnesota and Wisconsin, along with two training centers.

Financial Recovery Services collects on behalf of a number of industries, including utilities, installment loans, bank credit cards, and retail stores. According to the FRS website, the company randomly samples calls from bill collectors and checks to see that they are in accordance with the Fair Debt Collection Practices Act and state laws.

Financial Recovery Services Complaints

As of May 2013, the Better Business Bureau accorded Financial Recovery Services an A+ rating. The BBB had logged 62 closed Financial Recovery Services within the previous three years, including 23 closed Financial Recovery Services complaints within the previous 12 months. In addition, according to the Justia database, during the first four months of 2013 there were 14 complaints filed in federal court alleging violations of the Fair Debt Collection Practices Act.

Stop Harassing Collection Calls

If a debt collector has contacted your family, neighbors, or employer and revealed information about your debt to them, you may have a legal case against them. The Fair Debt Collection Practices Act prohibits bill collectors from embarrassing consumers by discussing their business with third parties or from even disclosing to third parties that they are attempting to collect a debt.

The courts have generally been very strict in their interpretation of this particular provision of the FDCPA, holding that, for example, mail sent to a person in an attempt to collect a debt may not have anything on the outside that would tell someone that it’s from a bill collector. Likewise, courts have held that a debt collector who leaves a voice message on someone’s answering machine that identifies them as a debt collector or discloses that the call is an attempt to collect debt may be violating the FDCPA because they have no way of knowing who might hear that message.

Keep in mind that the FDCPA gives you the right to sue a debt collection agency in civil court for violating the law and collect up to $1,000 in statutory damages, plus court costs and attorney fees.

Financial Recovery Services Contact Information

Financial Recovery Services
4900 Viking Drive
Edina, MN 55435

Financial Recovery Services Phone Number: 952-831-4800


One thought on “Financial Recovery Services
  1. Financial Recovery Services has been harassing me by placing numerous calls to my home, and cell phone. I changed my cell phone number with AT&T and within 48 hours received a call from Financial Recovery Services. This was a private cell phone number that was not given out elsewhere in any public forum, or domain. I contact my service provider who denies they have given out the information which I know is standard. It had to been someone within the company network as I have a code on my services. My belief this company FRS is going beyond normal means to acquire contact information about you.

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"The FDCPA is a consumer protection statute and was intended to permit, even encourage, attorneys like Lemberg to act as private attorney generals to pursue FDCPA claims."

U.S. Ninth Circuit Court of Appeals, Evon v. Law Offices of Sidney Mickell
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