Nobody wants to get calls or letters from debt collectors, and the whole situation can be even more frightening if you’re not sure who the company is working for or why they’re contacting you.
Choice Recovery is like any other debt collection agency, which means there are limits to what they’re allowed to do. Here’s everything you need to know about what Choice Recovery does and what your debt collection rights are.
Table of Contents
What is Choice Recovery?
Choice Recovery, Inc. is a debt collection agency based in Columbus, Ohio that began operations in 1997. 1 They work for other businesses as a third-party debt collector, meaning they pursue payments for debts owed to other companies.
As a well-established company in the debt collection industry, Choice Recovery collects debts on behalf of over 3,500 companies. 2 They handle accounts at all stages of the debt recovery cycle, from pre-delinquency to late-stage collections.
Who does Choice Recovery collect debts for?
Choice Recovery collects debts across a wide range of industries. Specifically, they work for the following types of companies:
- Healthcare providers (like hospitals, clinics, and surgery centers)
- Dental clinics
- Landlords and property management companies
- Private student loan providers
- Financial institutions
If you’re receiving communications from Choice Recovery, it probably means that they believe you have an outstanding debt with one of the above companies.
Is Choice Recovery a scam?
No, Choice Recovery isn’t a scam. They’re a legitimate debt collection organization, and they’re even accredited by ACA International and the Better Business Bureau (BBB). 3 1
With that said, debt collectors don’t always behave ethically. For example, Choice Recovery has faced litigation in the past for violating consumer rights. 4
It’s also possible that scammers may be pretending to represent Choice Recovery to trick you into paying them money. Always verify your debts before sending any payments or providing personal information. You can do so by contacting Choice Recovery directly using the contact details below.
How to deal with Choice Recovery
Ready to take control of your debt with Choice Recovery? Choose the methods you want to attempt below.
Dispute Collections If the debt is inaccurate, learn how to remove the collection from your credit report. | Stop Harassment If your rights are being violated, learn how to fight back using protections under federal law. |
Verify Debt If you're not certain the debt is yours, request more information (and temporarily stop collection efforts). | Pay Debt Collector If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing. |
