Debt collectors like 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 DRS 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 ?
, LLC is a debt collection agency based in Two Harbors, Minnesota. DRS is not accredited with the Better Business Bureau and has received 18 complaints via the BBB in the past three years, 14 of which are for billing/collection problems.Consumers allege harassing phone calls, harassing debtors’ relatives, failing to identify as a debt collector when contacting debtors, and threatening to take actions that cannot legally be taken or are not intended to be taken.
Like many debt collection agencies, may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers may be calling you from:
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 will display 10 lawsuits filed against the agency in seven states, 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. DRS, 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 ’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if DRS 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 hundreds of consumers stop phone calls from and 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 :
“ called my cell phone while I was trying to work asking for my family member who has no ties to my phone number. They made me believe my family was going to jail and had no reasoning calling me about another individual’s personal affairs. Not to mention that they operate in a way that violates people’s right to privacy.”
“This company is attempting to collect debts from consumers in Arkansas utilizing multiple forms of interstate commerce in their attempts, including harassment via phone calls that never mention the name of the company, only threaten direct action if they aren't responded to…it is a violation of the FDCPA to threaten to take actions that cannot legally be taken, and I have recorded threats of your agency threatening to continue to call me. Furthermore, the phone calls fail to meaningfully disclose the caller's identity as no company name is mentioned.”
“This company has called and called me, and my immediate family, leaving messages stating I owe money on a payday loan, in which they have NEVER sent me anything after I have requested over and over. I have no recollection of a payday loan to whom they are stating I owe. I need proof!!! And I need them to quit calling family members...and all at the same time!! I do not owe anything, and I want them to quit calling!!! Been dealing with this for years!!! And over it!!”
What Our Clients Say about Us
Agruss Law Firm has over 660 outstanding client reviews through Yotpo, an A+ BBB rating, and over 100 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.”“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”“Agruss Law Firm 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!! 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 Agruss Law Firm, LLC 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 DRS 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 Agruss Law Firm 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 Agruss Law Firm at (888)-572-0176 to stop the harassment once and for all.
Other Phone Numbers That Direct Recovery Services LLC May Be Calling From
They have called me and threatened me, called every member of my family including my 75 year old father and told him that I would be served papers at my job and be arrested. It's ridiculous
Complaint filed by: Jeff
Today all at the same time we all received a call from Direct Recovery out of Two harbors to my cell phone my parents home phone my dads cell phone my moms cell phone and my sisters cell phone all rang at the same time with a message About a debt they were trying to collect from me. I called back and spoke to a mrs morton that was rude would not listen to me tell her to send a demand letter in the mail and stop calling she then started to say you cant resolve this and you don't have money and then hung up on me. I called back again and spoke to a mrs baldwin that claimed she was the manager and i told her to send a letter and she said she would put a cease and desist order in and apologized for her coworker. I Felt disrespected and lies to and belittled by the first operator when i called them back!
Complaint filed by: Madison
I received a call from an old roommate today, because she received a call from DRS looking to speak to me. We haven't spoken in years, and there is no reason her number she be connected to me.
Complaint filed by: Linda
Someone keeps calling me from 218-235-2383. They are very rude. Actually, they are harassing my sister's phone number and I've never given her number out. This has caused a breakdown of our relationship. Because I keep telling her that this has to be fraudulent that this is not right that they keep calling you. I offer also tell her to give them my phone number. I spoke to a Miss Morton a moment ago. They answer the phone saying hello this is Miss Martin they don't and say any business. My sister's relationship is being ruined with this. Also her phone number. Her name is Linda. My name is Tina. I called the co. but she was not able to give me any information she barely wanted to tell me the name of the company she only said DRS!
Complaint filed by: Michelle
Direct Recovery Services has been harassing my family for almost one year for a debt my sister had with her ex-husband.
They have called my ex boyfriend and left threatening messages on his answering machine and his call phone voice mail. He is not related to my sister.
I have filed a few reports to the CFPB and they answer with lies. It's not my debt so I need to get the harassment to stop.
Today they threatened me at work and left threatening messages on our brother's voice mail.
Everything they are doing is against the law. How do I stop them?
Complaint filed by: Theresa
This company calling me and a family member number saying I owe a debt and I don't know what they talking about
Complaint filed by: Andrew
My wife has an appearing debt from direct recovery. We knew nothing of this up until. My mom my wife's mother in law got a recording message from them saying this message is for Samantha. Wife's maiden name. If this is not Samantha please hang up. Then continued to say that she had a debt of 385.00 in there office and gave a bunch of different options to settle like a payment plan. Then gave the return number. My wife said it aounds like the messages that she received as well. We have never received any mail stating what this debt is for. Looking back at it now I recall me her husband receiving a call from this same company asking for her by her maiden name. I told her I was her husband and I would relay the message to have her call you back. When my wife forgot to call them back they called me again saying she never called them. I told them to delete my phone number as I am not her. So the somehow called my mom who is her mother in law and left a message like that. My wife is very embarrassed that her mother in law knows she has a debt it has put a strain on my mom and he relationship.
Complaint filed by: Sonia
was checking to see who Direct Recovery Services is they keep sending prerecorded message to my cellphone. I got this message and I ran their numbers to see who they are and I saw your website and was reading it. I think this is the 3 or 4 times they call me!
Complaint filed by: Cassandra
about 1 year
This company is harassing me and my family members. No information received in the mail. I talk to one lady and told her that I could not afford to pay the debt that I owe at the present time. But the are continuing threatening phone calls to family members I do not communicate with
Complaint filed by: Linda
about 1 year
Someone keeps calling me from 218-235-2383. They are very rude. Actually they are harassing my sister's phone number and I've never given her number out This has caused a breakdown of our relationship. Because I keep telling her that this has to be fraudulent that this is not right that they keep calling you. I offer also tell her to give them my phone number. I spoke to a Miss Morton a moment ago. They answer the phone saying hello this is Miss Martin they don't and say any business. My sister's relationship is being ruined with this. I called the co. but she was not able to give me any information she barely wanted to tell me the name of the company she only said DRS!
Complaint filed by: Colin
about 1 year
This company has called multiple family members and acquaintances some of who we have not spoken with in years. When we returned the call the rep began making threats to pursue the matter further though we were asking for validation of her claim. The account she referred to we closed in good standing 6 years ago and has always been reported as a positive on our credit. Though they were told no more phone contact they have continued to call and leave robo messages for us with friends and family all over the country.