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Checkout Southwest Recovery Services Watch Video

What We Do
Southwest Recovery Services, Inc. is a nationally recognized full-service collection agency headquartered in Addison, Texas with offices in Dallas, Austin, Houston, San Antonio, St. Louis and Oklahoma City. We help companies across a wide range of industries collect the money they are owed in a responsible, ethical manner.

We accomplish this through traditional debt collection as well as by providing revenue cycle management and accounts receivable management to the medical industry and others looking to outsource their billing and receivables. Our holistic services can help prevent overdue invoices and collect them quickly when they occur.

Our professional recovery agents are experienced and trained in debt collection best practices. We pursue every available strategy to collect your unpaid debts, including:

Oral And Written Communication
Customer Service Quality Standards
Overcoming Objections and Effective Negotiation Techniques
Skip Tracing Techniques
Credit Reporting
Legal Action
Our Standards
Southwest Recovery Services follows all state and national regulations for ethical debt collection. We are also members of many professional organizations dedicated to fair debt collection practices. We adhere to the following regulatory and professional standards:

American Collectors Association Rules & Regulations
Fair Debt Collection Practices Act (FDCPA) Certification Class
Bankruptcy Laws
Fair Credit Reporting Act (FCRA)
Health Insurance Portability and Accountability Act (HIPPA)

Southwest Recovery Services Performance Guarantee
OUR PROMISE

As a contingency debt recovery and collection services company, Southwest Recovery Services does not charge our clients any upfront fees when referring accounts for collection. We fully guarantee our collection and recovery services because we do not get paid unless we collect.

WHY CHOOSE US

We Report The Debt To All Credit Bureaus For Free
Southwest Recovery Services will report your assigned accounts to all nationwide consumer credit reporting agencies through our automated submission process upon your request at no additional charge. Properly reporting a bad debt to the credit is a vital step in the collection process because it increases the likelihood that the debtor will pay.

Accounts placed with Southwest Recovery Services are assigned to highly trained, experienced and compliant Recovery Agents. Accounts are matched to the recovery agent’s experience, knowledge and ability to get results. Daily audits are performed to ensure accounts are meeting client or company work requirements. Daily reporting from the collection and compliance management team ensures that we are continually evaluating our performance.

Success with Southwest Recovery Services begins prior to the placement of your accounts. Southwest Recovery Services prides itself on understanding your company’s needs, then uses that knowledge to train our staff. We realize that a well-trained Recovery Agent provides consistency and stability to our company. This means higher recoveries on the accounts placed with Southwest Recovery Services. Our commitment to our employees is evident in the ongoing training and unparalleled benefits we offer.

Q Will I have a dedicated account representative?

In today’s competitive environment, you must stay educated and informed of the constant growth and change in the collection industry. Benefits of membership with the ACA include education of new collection laws in specific states and collection training and seminars provided to our staff. Our collection staff must complete eight hours of training each quarter as part of our company’s ongoing commitment to be fully compliant with the Fair Debt Collection Practices Act.

Q Why is ACA membership important for collection agents?

In today’s competitive environment, you must stay educated and informed of the constant growth and change in the collection industry. Benefits of membership with the ACA include education of new collection laws in specific states and collection training and seminars provided to our staff. Our collection staff must complete eight hours of training each quarter as part of our company’s ongoing commitment to be fully compliant with the Fair Debt Collection Practices Act.

Q Are there any up front fees to start the collection process?

No. Since we can not give you an ironclad guarantee that every account is collectible we feel it is unethical and unnecessary to collect fees prior to the resolution of your account. We do not collect fees from you until the debt is collected. SWRS is dedicated to building strong, long-term business relationships with our customers. This has been part of the company’s mission statement and its unwavering commitment to you.

Q Are there any long-term contracts to work on your accounts?

No. We understand that you have contracted us to work on your accounts. Understanding this, we have a service agreement, not a long-term contract. Our service agreement can be viewed by clicking on the link below. You may cancel our service at any time by simply giving us a written notice.

Q Does SWRS report delinquent accounts to credit bureaus?

Depending on the level of services agreed upon we will report your accounts to the credit bureau once a month. SWRS maintains a relationship with TransUnion, Experian, Innovis, and CSC Equifax. As part of our agreement with these companies, we are required to report any changes and updates monthly, such as payments made or deletions made due to inaccurate information. This is done through a secure upload using the latest technology. Thus, your customers’ private records remain protected and secure.Depending on the level of services agreed upon we will report your accounts to the credit bureau once a month. SWRS maintains a relationship with TransUnion, Experian, Innovis, and CSC Equifax. As part of our agreement with these companies, we are required to report any changes and updates monthly, such as payments made or deletions made due to inaccurate information. This is done through a secure upload using the latest technology. Thus, your customers’ private records remain protected and secure.

Q How long does something stay on someone’s credit report?

You can report a valid account to a person’s credit for a period of seven years from the last payment you received or the last date of service. For instance, if you sold a good or service in 2005, but received a payment from your customer in 2012 you can adjust the date of occurrence, or date open to reflect the 2012 date. The account will then remain active until 2019.

Q Will SWRS update the credit bureaus when the customer pays off their account?

Yes. The Fair Debt Reporting Act requires SWRS to maintain accurate records and to report them in a timely fashion to the credit bureaus. SWRS utilizes the e-OSCAR system to answer all disputed items and to fix any inaccurate entries using a secure online database that all credit bureaus pull data from. The system allows us to update an account that has been reported within 72 hours. This is crucial when a mortgage or car loan is hanging in the balance.

Q Is it against the law to report my customers to the credit bureaus?

No. The Fair Debt Reporting Act permits the free exchange of credit information. When a customer does not pay you for the goods and/or services that you provided that customer’s creditworthiness is in question, and this falls under the FCRA’s guidelines SWR has invested in the latest state-of-the-art tools to find even the most persistent debtors. Most of our research is done on the internet and telephone. You would be shocked to know what you can find about a person with a few clicks of a mouse. You can use our tools and databases prior to turning in your account or accounts over for collection. For a fee of $5, you can have a professional locate your customer using over 2,100 governmental, municipal, and private databases that have compiled data on your customer. We can look at property, relatives, neighbors, and much more making it almost impossible to hide from their obligations with you. Your business is as unique as the individuals that it employs. SWRS has a proven record of accomplishment with successful collection of over 200,000 accounts collectively for a variety of businesses. This translates into millions of dollars for our customers. We have learned that collections are really about selling the customer into paying off his account. Our policy is to treat your customer with respect and dignity while firmly persuading him or her to pay. If done correctly debt collection is really about negotiation rather than intimidation. We have built a business around this simple but effective concept.

Q How do you find my customers that have moved or disconnected their phone?

The success of collecting an account is dependent on many variables. The demographic of your clientele, as well as the age of the account when it is placed for collection, are important. Additionally, if the debt is a commercial or retail debt can also help predict the collection success. We strive to recover your accounts as timely as possible. Overall, our goal is to quickly and efficiently bring closure to your account and collect the balance due.

Q Does SWRS collect debt in your industry?

Q How long does it take to collect on an account?

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