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How to Settle Debt With TRS Recovery Services

George Simons | February 01, 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: TRS Recovery Services is a legitimate debt collector who may be contacting you about a delinquent account. They may sue you, but in 15 minutes, you can draft and file your Answer with Solo. You can also learn how to communicate with TRS Recovery Services to resolve your debt issue.

Americans' purchasing power has increased, thanks to credit, allowing them to buy homes, cars, and other goods utilizing a “buy now pay over time” method. But consumer credit card debt has increased by more than 8% in 2024, hitting a total of $1.17 trillion across the US.

Don't be surprised if you hear from a company called TRS Recovery Services because Amazon (a favorite) and other online retailers hire TRS to collect their debts. Whenever a transaction fails for any reason, including insufficient funds in your account, or incorrect entry of your account number, it will be transferred to TRS Recovery Services for collection.

Here's everything you need to know about TRS Recovery Services and how to respond to a lawsuit if you get sued.

Settle debt with TRS Recovery Services

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

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Can I trust TRS Recovery Services, and how does it work?

Founded in 1990, TRS Recovery Services is a legitimate debt collection agency operating out of Marietta, GA. The company is a division of First Data, which specializes in contactless payment systems while TRS Recovery Services, Inc. focuses on debt collection services. Here's the contact information for TRS Recovery Services:

Who does TRS Recovery Services collect for?

Businesses in various industries hire TRS Recovery Services to collect debt, including retailers, grocery stores, and financial institutions. Moreover, they collect payments on behalf of TeleCheck Services, an online retailer's check payment processing company.

Read consumer reviews of TRS Recovery Services

If you are interested in learning about what other consumers have said about their experience interacting with TRS Recovery Services, then check out these online reviews:

While not all online reviews of TRS Recovery Services are five stars, there are many reviews that indicate individuals can have a positive and productive experience communicating with TRS debt collectors. Clear and honest communication will improve your chances of resolving a debt with TRS Recovery Services, often for a lower amount than what is owed.

Of course, if the prospect of calling a debt collector to negotiate a resolution sounds awful, then try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

The FDCPA can protect you

It is important to understand that you have statutory rights under the Fair Debt Collection Practices Act (FDCPA). The FDCPA is a federal law that limits what debt collectors can do in order to collect on a debt. All debt collection agencies must comply with these rules during the collection process and all interactions with consumers, like you.

Under the FDCPA, the following practices are prohibited:

Among the factors that must be considered in determining damages are the nature and frequency of violations, persistence, and intentionality.

Send a Debt Validation Letter to TRS Recovery Services

Asserting your rights under the Fair Debt Collection Practices Act by sending a Debt Validation Letter to TRS is a great way to avoid a lawsuit and get debt collectors off your back. From the letter, TRS Recovery must prove you owe the debt, stop contacting you for any other reason, and report the debt as disputed.

Your letter must be sent within 30 days, and our automated software will assist you in preparing one that is customized to your situation in minutes. You may receive one of the following items if you request a debt validation from TRS:

  • Proof of delivery of ordered items (for Amazon purchases)
  • A copy of the receipt for the purchase underlying the debt
  • An itemized statement of charges
  • A copy of the returned paper check

TRS Recovery will often stop collecting debts after they receive a Debt Validation Letter, especially if they realize they have missing or inaccurate information.

You can learn more by watching the video below:

Advice on how to effectively negotiate with TRS Recovery Services to settle your debt

Debt settlement is a process by which an individual settles an outstanding debt obligation for an amount lower than what is owed. Debt settlement is a viable pathway to reduce the amount of debt you owe, lower your monthly payments and get a fresh start on your financial journey. This option can be especially beneficial for people struggling with large unsecured debts, such as credit card debt, personal loans, and medical bills.

Here are some steps you can take to negotiate a debt settlement with TRS Recovery Solutions.

Step 1: Calculate what you can pay towards the total amount owed. For example, if you owe $7,000 and could reasonably pay $4,500 without adversely impacting payment towards your other living expenses, then this calculation can guide your settlement negotiations.

Step 2: Contact TRS Recovery Services and convey an opening settlement offer. If you do not want to engage with them on the phone, then send the offer via a debt settlement letter. The settlement offer should generally be lower than the number you calculated in Step 1. This will leave room for you to negotiate upward if the debt collector declines your initial offer.

Step 3: Do not be shocked if TRS Recovery Services does not immediately agree to your settlement proposal. This is perfectly normal. You should be prepared to engage in a back and forth to reach a resolution.

Step 4: If your settlement negotiations are fruitful and you can reach a resolution, make sure to draft a debt settlement agreement for both you and the debt collector to sign.

Step 5: Once the debt settlement agreement is signed, make sure to pay the agreed amount in a timely manner.

Learn more about how to settle your debt by watching this informative video:

Respond to a TRS Recovery Services lawsuit

You should respond to a TRS Recover lawsuit before your state’s deadline. If you don’t, the court will most likely issue a default judgment against you, giving TRS the right to garnish your wages and seize your property.

If TRS Recovery Services sues, follow these three steps to respond to their Summons and Complaint and avoid a default judgment:

  1. Respond to each claim against you.
  2. Provide affirmative defenses.
  3. File the Answer in court, and serve TRS Recovery Services.

Below, we’ll explain each step in more detail. If you don’t like reading, check out this video instead:

1. Respond to each claim against you

When you get sued by a debt collector, you receive court documents in the mail called the Summons and Complaint. The Summons notifies you of the lawsuit, while the Complaint lists the specific claims against you.

So, the Complain document lists all the reasons TRS is suing you. Answer each question in your Debt Answer document. To answer each claim in the Complaint, choose one of the following responses:

  • Admit: means you admit the statements are true.
  • Deny: this forces TRS to prove their allegations.
  • Deny due to lack of knowledge: your best option if you do not understand any of the claims.

Most attorneys recommend that you deny as many claims as possible, especially the ones you aren’t sure of. For each claim that you deny, TRS must prove with proper documentation and evidence. If they can’t prove their claims, TRS might just dismiss the case.

2. Provide affirmative defenses

Your Answer must contain affirmative defenses if you want to present a strong case to the court. Although not all of these may be relevant to your case, you should carefully review the list of affirmative defenses below to avoid missing anything:

  • It is not a debt I owe.
  • I have been scammed or misidentified.
  • The debt belongs to another individual with the same or a similar name to you, not me.
  • The debt has been paid in full or in part.
  • The debt amount is incorrect/I disagree with it.
  • The plaintiff and I do not have a business relationship.
  • Due to the Statute of Limitations, it is too late to sue for this debt.
  • A bankruptcy discharged the debt.

SoloSuit can help you draft an Answer document and assert the right affirmative defenses that apply to your case. All you have to do is respond to some simple questions about your case, and SoloSuit will convert your responses into the proper legal wording and formatting.

Make the right affirmative defense the right way with SoloSuit.

3. File the Answer in court, and serve TRS Recovery Services

As soon as you've answered each Complaint and asserted your affirmative defenses, it's time to file. Depending on where you live, you have 14-35 days to file your Answer. File your Answer in court by following these steps:

  • Make two copies of the Answer.
  • Send the Answer to the courthouse or file it by mail. Other courts have special filing rules or require electronic filing. With SoloSuit, all the filing research is done for you.
  • Ensure TRS Recovery's lawyers receive a copy.
  • Keep a copy for your own records.

Let SoloSuit file your Answer for you in all 50 states.

Solo can help you

Finding an attorney can be stressful and expensive. But thanks to Solo, you can respond to debt collectors like TRS Recovery Services and negotiate to settle the debt for less.

Settle with SoloSettle

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How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Get debt relief in your state

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Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

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Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

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Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

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