S&S Recovery in Texas

Last checked: August 11, 2026

This page covers S&S Recovery's Texas record only. The full company record, covering every state this site verifies it in, is at S&S Recovery.

S&S Recovery is a debt collection agency headquartered in Memphis, TN. 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 970261), 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 Texas Secretary of State register. S&S Recovery currently holds an active $10,000 surety bond.

Source: direct.sos.state.tx.us · Last checked: August 24, 2026

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Verified facts about S&S Recovery

Fact	Value	Source
Headquarters	Memphis, TN	Source: ssrecoveryinc.com · Last checked: August 11, 2026
Company type	Third-party agency	Source: ssrecoveryinc.com · Last checked: August 11, 2026
Debt types handled	Student & Education	Source: ssrecoveryinc.com · Last checked: August 11, 2026
Website	ssrecoveryinc.com
Texas surety bond history	30 years continuously bonded ActiveSoS File 20250113· filed August 13, 2025· Western Surety Company· bond 72705705 Bond Pending CancellationSoS File 20060181· filed September 20, 2006· canceled September 1, 2025· Pennsylvania National Mutual Casualty Insurance Company· bond 0321921 ActiveSoS File 970261· filed July 28, 1997· Travelers Casualty and Surety Company of America· bond 775224210TX Canceled Close FileSoS File 960075· filed April 11, 1996· canceled September 11, 1997· The North River Insurance Company· bond 6101992008TX252	Register: texas-sos.appianportalsgov.com · Last checked: August 24, 2026
CFPB complaints on record	119	CFPB database: consumerfinance.gov · Last checked: August 11, 2026

Common questions about S&S Recovery

Is S&S Recovery licensed to collect debt in Texas?

Yes. S&S Recovery has an active $10,000 surety bond on file with the Texas Secretary of State (SoS File 970261), which is the legal requirement for third-party debt collectors under Texas Finance Code Chapter 392, last checked August 24, 2026.

What types of debt does S&S Recovery specialize in collecting?

According to its own website, S&S Recovery specializes in student and education collections, read July 14, 2026. A specialty is the agency's own published claim; this directory verifies the public register facts, not the claim. All declared student and education debt collection specialists are listed on our industry pages.

Does S&S Recovery have complaints on record?

The public CFPB Consumer Complaint Database records 119 debt-collection complaints referencing S&S Recovery, as of August 11, 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.

This profile presents factual information drawn from public records, with a source and last-checked date for every fact. It is not a recommendation to do business with this company, is not legal advice, and is no substitute for your own due diligence.

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