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Resolve Debt With Southwest Recovery Services

Sarah Edwards | August 27, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Keep getting calls from Southwest Recovery Services? Don’t panic! In this article, SoloSuit shows you how to ask SWRS to prove you owe money (and what to do next). You might owe less than you think.

Calls from debt collectors always seem to come at the worst times. And if you’re already facing financial hardship, it might seem that you’ll never be able to get out of debt.

Some people see all that stress and then try to run from it. But if you do that, the debt doesn’t go away. It can grow and impact your present and future financial health. If you’ve been getting calls from Southwest Recovery Services, you shouldn’t ignore them. You also shouldn’t pay the debt right away. Here’s SoloSuit’s guide.

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What is Southwest Recovery Services?

Southwest Recovery Services is a debt collection company, and according to its website, it’s a “nationally recognized leader” in the industry, although it doesn't do business in Oregon or Washington. So, if you’re in one of those states, you’re safe!

As far as we can see, Southwest Recovery Services doesn’t have a specialty. Its website says it collects for “all businesses,” and in looking at complaints, we saw several mentions of SWRS trying to collect past-due rent.

It’s important to make sure you don’t confuse Southwest Recovery Services in Dallas, Texas, with Spire Recovery Solutions, another debt collection agency whose name can be abbreviated as SRS. After all, if you need to send a letter or an email, you want to make sure it’s going to the right company.

Contact Southwest Recovery Services

Southwest Recovery Services is headquartered at 16200 Addison Road, Suite 260, Addison, TX 75001, and its phone number is 866-551-2888. However, representatives may call from other phone numbers.

SWRS has offices in the following locations:

Is SWRS Company actually legit?

All debt collector calls and letters seem suspicious, so it’s understandable if you want to check to make sure SWRS Company is real. Yes, Southwest Recovery Services is a legitimate company, although consumers don’t seem to be that fond of it.

Southwest Recovery Services reviews

We started our investigation of Southwest Recovery Services by taking a look at the Consumer Financial Protection Bureau (CFPB) database of complaints. We saw that SWRS had received nearly 500 total complaints between December 2011 and November 2023.

Most of the complaints against SWRS came from consumers living in Texas, as shown by the map below.

Southwest Recovery Services complaints

Some complaints in the database come with narratives — brief explanations of what happened. We took a look at the complaints against SWRS and put together some highlights:

  • Many consumers said that SWRS was trying to collect debts the consumer didn’t owe.
  • Some consumers said SWRS wouldn’t verify debt when asked.
  • Some said that SWRS tried to collect more than the amount of debt actually owed.
  • Many said that SWRS representatives were rude or used obscene language on the phone.

Any time you want to learn more about a debt collector, it’s a good idea to look at its BBB profile. As of August 2024, SWRS isn’t BBB accredited, and its BBB rating is B. SWRS has received more than 100 complaints in the past three years.

That’s a large number of complaints, but some of them might have been meant for Spire Recovery Solutions in Lockport, NY. As of November 2023, the BBB itself had a banner on Southwest Recovery's profile stating that it’s received many complaints filed against Southwest Recovery Solutions that were meant for Spire Recovery Solutions.

This doesn’t mean that Southwest Recoveyr is a perfect company — but misdirected complaints just might be making it look worse than it is.

What to do if SWRS Company says you owe money

Debt collectors hope that their calls will make you panic and pay the debt without asking questions. Sadly, many people do just that because they don’t know their rights under the Fair Debt Collection Practices Act (FDCPA).

The FDCPA restricts the tactics debt collectors can use, and it also grants you rights as a consumer. One of the most important rights is the ability to ask a collection agency to verify the debt in writing. You can make this request with something called a Debt Validation Letter.

Ask Southwest Recovery Services to validate your debt.

To learn more about Debt Validation Letters and how they work, check out SoloSuit’s Debt Validation Letter Q&A below.

When you send a Debt Validation Letter, you must ask the debt collector for six separate things:

  • The name of the original creditor (the company you owed the debt to).
  • The exact amount you allegedly owe.
  • A copy of the contract between you and the first creditor.
  • The most recent transaction or payment on the account.
  • Proof that SWRS has the legal right to collect this specific debt.
  • SWRS’s license number to operate in your state.

Want to write an amazing Debt Validation Letter quickly? Use SoloSuit’s template!

What to do if SWRS validates your debt

After you send a Debt Validation Letter, you’ll wait for a response. Under the FDCPA, once Southwest Recovery Services receives your request, the company can’t continue to harass you about the debt until it has answered you.

If a debt collector can’t validate your debt, you aren’t legally obligated to pay it. They won’t tell you this — they’ll just disappear into the ether, never to be heard from again (hopefully).

If SWRS replies to your Debt Validation Letter with proof, you have a few different options. To understand them, let’s consider an example.

Example: Rowan gets a call from SWRS saying he owes a former landlord $1,000 in past-due rent. He sends SWRS a Debt Validation Letter, and the company responds with proof. But Rowan has a problem — he just doesn’t have an extra thousand dollars lying around! He tells the agent this, and because he’s trying to pay the debt, they work with him to create payment terms. SWRS says he can pay $100 per month for 10 months, and he accepts.


Ready to resolve your debt with Southwest Recovery Services once and for all?

When you face your debt head-on, you can put it behind you once and for all. If SWRS hasn’t filed a lawsuit against you, sending a Debt Validation Letter is the first step. But if you’ve already been sued, it’s not too late! SoloSuit can help. You could resolve the debt for less than you owe, and SoloSettle will handle the negotiation process for you.

Settle your debt with Southwest Recovery Services.

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Not sued yet?

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