How to Settle Debt With DRS Credit

George Simons | January 29, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: To settle a lawsuit with Dynamic Recovery Solutions, respond to the lawsuit, request debt validation, and negotiate a settlement agreement for less. Solo can help with all this and more.

DRS, or Dynamic Recovery Solutions, was established in 2008 and has a combined 50 years of debt collection expertise. DRS is a recovery company that collects debt on behalf of a creditor who believes you owe them money. As a result, you may receive several phone calls, past-due notifications, and letters attempting to persuade you to pay off the debt.

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You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Dynamic Recovery Solutions?

Dynamic Recovery Solutions is a collection agency and a debt buyer licensed all across the country. It uses a collection letter series and skip tracing as part of its collections strategy, and it is currently located at:

  • Address: 135 Interstate Blvd. Greenville, SC 29615
  • Phone Number: 844-735-9451
  • Website: www.gotodrs.com

Is Dynamic Recovery Solutions legit?

Yes, DRC Credit is a legit collection agency. Many individuals wonder if Dynamic Recovery Solutions is a fake company. Although you may be tempted to doubt DRS Credit's business tactics, it is a real debt collection agency.

Who does Dynamic Recovery Solutions collect for?

Dynamic Recovery Solutions collects delinquent debts for businesses and industries such as telecommunication service providers, automotive lenders, utility service providers, healthcare and medical service providers, banking and financial services providers, consumer retail lenders, and education lenders.

A number of state-specific disclosures required by law can be found on DRS Credit's consumer rights page. However, its website does not provide links or references to consumer protection services, laws, or enforcement agencies.

How do you get Dynamic Recovery Solutions off your credit report?

The process of removing a collection account from your credit report is not as difficult as it might initially appear. Listed below are three steps you can take to restore your credit score.

  1. Request that all correspondence be sent through the mail.
  2. Send a Debt Validation Letter.
  3. Work of a “pay-for-delete” agreement.

Now, let's break down each step in detail.

1. Request that all correspondence be sent through the mail

Request that DRS exclusively communicate with you by letter. According to the Fair Debt Collection Practices Act (FDCPA), you have the right to control the terms of your contact with a creditor or collector.

Through mailed communications, DRS does not have a way to communicate with customers early in the morning or late at night. On the other hand, written communication provides evidence if DRS fails to meet its expectations.

When debt collectors make promises or agreements over the phone, they don't always keep track of what they say. If you file a complaint, the case reviewer may discover that there is no proof that your agreement ever existed. If this occurs, you're right back where you were.

Keeping everything in writing can help you verify you entered into an agreement and fulfilled your half of the bargain if necessary. Furthermore, you would be able to file a complaint with the Federal Trade Commission or the Better Business Bureau if you had written documentation.

2. Send a debt validation letter

Having established written contact, ensure that the debt you are disputing is yours and correct. A credit report error affects one out of every five Americans. Consequently, some of the information on your credit report may not be yours. Be sure to verify that the debt belongs to you.

According to the FDCPA, you have the right to ask a debt collector to verify that the debt is indeed yours. The law requires Dynamic Recovery Solutions to notify you within five days of making contact about your right to verify the debt. If they don't, you should send a debt validation letter to DRS Credit.

If DRS cannot establish that you owe them money, request that the collection be dropped in your letter. You should seek validation within 30 days of your first contact with the agency for the best results. DRS may not respond to you if you send your letter after 30 days.

If you discover that the debt is not yours, you must dispute it in writing to Dynamic Recovery Solutions and the credit bureau. The debt should be promptly removed from your credit report since it's not yours.

3. Work out a "pay-for-delete" agreement

Even if you pay off collection accounts in full, they might negatively influence your credit score. That is why a pay-for-delete arrangement should be negotiated in advance.

As its name implies, a pay-for-delete agreement does precisely what it sounds like. The debt collection agency offers to remove the collections account from your credit report if you pay your bills, or a part of your debt, within a certain period of time.

Paying half of the debt to Dynamic Recovery Solutions will clear your credit record and allow you to keep your credit score. Ensure that you have a written agreement in place before making any loan payments. Be sure your contract does not leave room for ambiguity, as agents may try to get around this commitment by using complex language.

Please make the terms clear and concise, such as "DRS will delete this account from my credit records with all three credit reporting bureaus if I pay (a dollar amount) on this account (account number)."

After you've made the payment, wait 30 days to check your credit report. Dynamic Recovery Solutions should have contacted the credit bureau and requested that the collections account be deleted from your credit report within that time frame.

Negotiate with Dynamic Recovery Solutions to settle your debt

If you acknowledge that you owe the debt and prefer to avoid going through the contentious and stressful litigation process associated with a debt collection lawsuit, then you should consider negotiating a debt settlement. Dynamic Recovery Solutions may agree to settle for a lesser amount than nothing at all, especially if you make a reasonable lump sum offer.

If you were served with a Summons and Complaint regarding a debt collection lawsuit, then now is the time to act and not bury your head in the sand hoping the debt will magically disappear. If you take just a few proactive steps, you could potentially get DRS off your back and get them to accept a significantly lower amount through negotiated settlement.

The debt settlement process can be as simple as follow these steps:

  1. If DRS filed a debt collection lawsuit, file an Answer.
  2. Determine how much you can afford to pay toward the debt. This assessment should take your current finances, living expenses, and amount owed into consideration.
  3. Once you have a settlement range in mind, send a settlement offer to DRS. It is recommended to send the offer in writing, but you can also call to make an offer or use SoloSettle to negotiate online.
  4. If you are able to reach an agreement, make sure to get the terms and provisions of the debt settlement in writing.
  5. Pay the settled amount.

To gain more insight into debt settlement negotiations, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process.

Read Dynamic Recovery Solutions reviews online

If you’re seeking intel on what other people have said regarding their debt collection experience with Dynamic Recovery Solutions, then check out these real online reviews:

It’s fair to say the online reviews for DRS are a mixed bag. Nevertheless, there are some online reviews showing that people can have a positive and productive experience engaging with DRS debt collectors. Take, for example, the online review posted by a borrower named J Medina:

“I normally do not give reviews unless it is absolutely necessary but I have to admit, every staff member that assisted me Dynamic Recovery Solutions was very courteous, and understanding. They were empathetic to my situation and their willingness to assist was evident. Thank you Christina, and Sarah for your help and understanding. We know collection agencies get the short end of the stick and for the most part your jobs tend to be very stressful and difficult. I am grateful for your help!”

As this review indicates, if you engage with the debt collector in good faith and explain your particular situation, then you increase your odds of achieving a resolution to your debt issue.

What if DRS Credit is suing me?

The first step to winning a lawsuit against DRS Credit is to respond to the Summons and Complaint. When you're sued for a debt, you should receive some legal documents in the mail called the Summons (notifies you of the lawsuit) and Complaint (lists the specific claims against you—also known as a Petition in some states). In order to stand a chance in court, you must file a written Answer to the lawsuit.

Follow these three steps to respond to a debt lawsuit against Dynamic Recovery Solutions:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer in court, and send a copy to DRS Credit.

Learn more about these three steps in this video:

Dealing with DRS' debt collectors can be difficult if you are unsure how to respond and what documentation to provide. SoloSuit simplifies the process by providing you with the paperwork you need to fill out. You can use our debt Answer form to respond to a lawsuit or the debt validation letter to ask DRS to verify the debt.

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