Financial Recovery Services

Last checked: July 12, 2026

Financial Recovery Services is a debt collection agency headquartered in Mendota Heights. It has held a Texas surety bond continuously for 30 years, and currently has an active $10,000 bond on file with the Texas Secretary of State (SoS File 970299), meeting the Texas Finance Code Chapter 392 requirement for third-party debt collectors. Every fact below links to its public source with the date it was last checked.

30 years

of continuous verified Texas bond history on the Secretary of State register. Financial Recovery Services currently holds an active $10,000 surety bond.

Source: direct.sos.state.tx.us · Last checked: July 12, 2026

Verified facts about Financial Recovery Services

Fact	Value	Source
Headquarters	Mendota Heights	Source: fin-rec.com · Last checked: July 12, 2026
Year founded	1996	Source: fin-rec.com · Last checked: July 12, 2026
Company type	Third-party agency	Source: fin-rec.com · Last checked: July 12, 2026
Debt types handled	Financial Services, Retail, Utilities	Source: fin-rec.com · Last checked: July 12, 2026
Website	fin-rec.com
Texas surety bond history	30 years continuously bonded ActiveSoS File 970299· filed July 31, 1997 Canceled Close FileSoS File 970078· filed April 14, 1997· canceled September 11, 1997 Canceled Close FileSoS File 960042· filed March 8, 1996· canceled May 11, 1997	Register: direct.sos.state.tx.us · Last checked: July 12, 2026
CFPB complaints on record	389	CFPB database: consumerfinance.gov · Last checked: July 12, 2026

Common questions about Financial Recovery Services

Is Financial Recovery Services licensed to collect debt in Texas?

Yes. Financial Recovery Services has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 970299), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked July 12, 2026.

Does Financial Recovery Services have complaints on record?

The public CFPB Consumer Complaint Database records 389 debt-collection complaints referencing Financial Recovery Services, as of July 12, 2026. This is the total on record and links to the live CFPB database; a complaint is a record, not a verdict, and larger agencies naturally accrue more.

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