Debt collectors like , Inc. cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.THE BEST PART IS…If violated the law, you will get money damages and TRS will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose!Call us today at 888-572-0176 for a free consultation.
Who is , Inc.?
is a debt collection agency which is based in Houston, Texas, and employs about 200 people. Founded in 1992, its parent company is “First Data,” a financial corporation based in Atlanta, Georgia.In November 2015, was the target of allegations which resulted in a $3.4 million class-action settlement for falsely claiming that debtors’ checks had bounced, wrongfully charging them late fees, and making unauthorized withdrawals from debtors’ checking accounts. In January 2018, TRS was again sued by a Wisconsin man for numerous violations of the Fair Debt Collection Practices Act (FDCPA). The agency is not accredited by the Better Business Bureau and has received over 150 complaints via the BBB in the past three years for service problems.
’s Address, Phone Number, and Contact Information
is located at 5251 Westheimer Road, Houston, TX 77056. The P.O. Box is: P.O. Box 674169, Marietta, GA 30006.The main telephone number is 713-567-0499 and the main website is www.trsrecoveryservices.com/
If you want to know just how unhappy consumers are with , take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 180 lawsuits filed across the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If is harassing you over a debt, you have rights under the FDCPA.The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA.Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. TRS, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it;this is commonly known as “pay for delete.”If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.
How do we Use the Law to Help You?
We will use state and federal laws to immediately stop TRS’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.THAT’S NOT ALL…We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.
What if is on my Credit Report?
Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.THE GOOD NEWS IS…If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.REMEMBER…If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by . Here are some of the BBB reviews and complaints against :
- “Does this scam affect your credit rating? I haven’t been able to find that answer. I just started going through what, apparently, is the same nightmare a lot of other people are going through. I have never written a check to TRS, but I am getting multiple emails and letters demanding my personal information. The “Dispute” form on their website is only interested in getting that information.”
- “Would give a 0 if allowed. A company stole a check from my mail in transit to my insurance company. I reported it stolen to my bank after my insurance company never received the check. TRS then sent me a debt collection letter for that amount and when I looked at the dispute form online it asked for very personal information (social security #, driver’s license #, bank account number, and bank routing number). There is no one to talk to on the phone – all recorded computer. Then I started receiving other letters for different amounts of debt collection. Had to close my bank account and file a police report.”
- “These people have to be scammers. You can’t contact them on the phone. You are told what you have to do which includes giving them your Social Security Number. The debt they describe is bogus, and my bank has already determined it is a scam. No way I will respond to their demands for my private information. I do worry about the effect on my credit score even though I never borrow money.”
Based on 22 reviews on Google, receives a 1-out-of-5 rating. Here are some of the reviews on Google:
- “Amazon recognizes their error and provided refund. TRS continued to demand payment for item never received or even ordered. Made unauthorized charges to checking account. Never ever have a checking account on Amazon as a possible payment or TRS may try to make multiple “service” charges for a billing mistake Amazon acknowledges.”
- “My phone number was attached to another account for some reason. They called every day for almost 2 months. They said the only way to verify my account was to give my driver’s license #, SSN, and bank account number. This company or people are very shady…”
- “This is a fraudulent company that illegally takes money from your account and tries to “recover” it stating that it is money owed for a bad check that was never written in the first place. Report them to your bank and local policy as I did…Hopefully with enough complaints something will be done!”
Cases We’ve Handled against
I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are two cases we’ve handled against :
- Steve v. – In March 2018, Steve of Santa Fe County, New Mexico, filed a claim against for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints consisted of harassing phone calls, including after the plaintiff disputed the alleged debt and requested that the calls stop.
- Gabriel v. – In January 2018, Gabriel of Flagler County, Florida, filed a claim against for violations of the Fair Debt Collection Practices Act (FDCPA) and Florida Consumer Collection Practices Act (FCCPA). Complaints also consisted of harassing phone calls which continued after the plaintiff disputed the alleged debt and requested that the calls stop.
What Our Clients Say about Us
Mike Agruss Law has over 800 outstanding client reviews through Yotpo, an A+ BBB rating, and over 110 five-star reviews on Google. Here’s what some of our clients have to say about us:“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.” “Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! He even settled it so I was paid back for the problems they caused!”
Can Sue Me?
Although anyone can sue anyone for any reason, we have not seen sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If has threatened to sue you, contact Mike Agruss Law as soon as possible.
Can Garnish my Wages?
No, unless they have a judgment. If has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If has threatened to garnish your wages, contact our office right away.
If you want to settle a debt with , ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from for the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with , we at Mike Agruss Law are here to help you.
Share your Complaints against Below
We encourage you to post your complaints about . Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!HERE’S THE DEAL!If you are being harassed by over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.