FinMasters content is free. When you purchase through referral links on our site, we earn a commission. Learn More

Summary: Get a call or letter from Dynamic Recovery Solutions? Here’s our 3-step plan on what to do if the company contacts you about a past-due debt.

Did you notice Dynamic Recovery Solutions on your credit report? Or maybe the company started calling you out of the blue.

Either way, it’s stressful to have a debt collector contact you.

If you’re one of the 28% of Americans with an account in collections, I bet you have one thing on your mind:

How can I get rid of Dynamic Recovery Solutions?

Well, you’re in luck.

There’s a three-step process to removing it from your credit report, and we’ve got it for you right here. Keep reading because credit repair is worth it!

What Is Dynamic Recovery Solutions LLC?

Dynamic Recovery Solutions LLC is a debt collection company. That’s probably not a surprise since the company is contacting you to ask for money.

Still, you’re probably wondering:

Are they a scam?

Dynamic Recovery Solutions is legit.

The company collects old and past-due accounts for several industries, including banking, student loans, health care, utilities, legal, and real estate.

The Dynamic Recovery Solutions Scam Lawsuit

Dynamic Recovery Solutions is known for its aggressive collection tactics. 

How aggressive?

So aggressive that the company is facing a class-action lawsuit for unfair collection practices.

Here’s why:

There’s a statute of limitations that impacts how long a collector can try to collect on a debt. Once you reach the limit, the debt is considered “time-barred.” 

If a debt is time-barred, the amount was likely written off as uncollectable. But sometimes, the debt resurfaces.

When that happens, it’s called “zombie debt.” 

I can hear you now…

Wait, you said zombie debt? What is zombie debt?

Basically, it means the debt was “dead,” but a creditor brought it back to life by attempting to collect on it.

Zombie debt is too old to pursue legally, but the D.R. lawsuit claims the company did it anyway.

And that’s a big no-no under the Fair Debt Collection Practices Act (FDCPA).

This is why you read a lot of people asking about the Dynamic Recovery Solutions Scam, this is what they are talking about. 

Dynamic Recovery Solutions: How To Stop Them In 3 Steps

📰 New Federal debt collection regulations will take effect on Nov. 29, 2021. The new rules will have a far-reaching impact on the debt collection industry. If you have delinquent debts or accounts in collection these rules will affect you.
Learn more about Regulation F and what will it mean for consumers with debts.

The company is known for being aggressive, so you don’t want to mess around. Follow these three steps to kick Dynamic Recovery Solutions off your credit report and out of your life.

1. Make Them Prove the Debt Is Yours with a Debt Validation Letter

Even if you’re sure you owe the money, your first step is to ask the company to prove it’s yours.

It’s called a debt validation letter because you’re asking for “validation” that the debt belongs to you.

Not sure where to start?

That’s okay. We’ve got you covered with a free debt validation letter template.

Once you have your letter together, mail it to:

Dynamic Recovery Solutions LLC

135 Interstate Blvd

Greenville, SC 29615

Talking to Dynamic Recovery Solutions by phone is tempting, especially if the company called you. That means you already have the phone number, which is (800) 313-2768, in your recent calls list.

But don’t do it!

You want a paper trail to document the date you send the letter.

Why?

Because the company only has 30-days to respond to your request.

2. Negotiate a Settlement with a Pay for Delete Agreement

Let’s say you get a debt validation letter, and you owe all (or part) of the balance.

Then what?

Take a deep breath because there’s a simple fix.

It’s called a pay for delete agreement, and it’s exactly what it sounds like:

You pay the company, and it agrees to delete the account from your credit report.

A good place to start is to offer half of what you owe.

Now, this next part is important.

Don’t pay anything until you have an agreement in writing.

You don’t want the company to back out of the agreement.

After you pay the amount you agreed to, wait 30 days, and check your credit report. The negative mark should be off your report by then.

What if it’s still there?

Contact Dynamic Recovery Solutions LLC (by mail, so you have it in writing) and demand it remove the account.

If the company refuses, it’s time to call in the credit experts.

3. Talk to the Credit Experts

Credit repair companies exist for a reason: to help you repair your credit and increase your score.

But dealing with collections agencies can be challenging because companies don’t always play by the rules.

What happens then?

Reach out to a reputable company, like our #1 recommended credit repair company, if you get stuck while trying to remove Dynamic Recovery Solutions from your credit report.

Dynamic Recovery Solutions: The Bottom Line

If you get a call from Dynamic Recovery Solutions, don’t panic. The company can be aggressive and dealing with ongoing collection efforts is stressful.

But you’re not alone.

Start by sending a debt validation letter. Or call our #1 recommended credit repair company right away to fast-track your way to getting the company off your credit report.