Relentless calls from Titan Revenue Solutions at odd hours, threats about wage garnishment, or involving your family in debt collection all violate federal law. When TRS crosses these lines, you’re not stuck enduring it; the Fair Debt Collection Practices Act gives you powerful tools to stop them and potentially recover up to $1,000 in damages plus legal fees for their misconduct.
The Real Story Behind Titan Revenue Solutions
Titan Revenue Solutions operates as a third-party debt collection agency focusing on commercial debt, utility bills, and medical accounts. Founded in 2011, this company serves various industries, including delivery services, pest control, and utilities, collecting delinquent accounts on behalf of creditors.
The Better Business Bureau confirms TRS as a legitimate operation, though consumer complaints frequently cite aggressive tactics. These complaints often describe harassment patterns: excessive calling, threats lacking legal basis, and contact with family members or employers.
Being legitimate doesn’t mean their tactics are legal. Many licensed collection agencies violate the FDCPA through overzealous collection efforts. Understanding this distinction helps you recognize when to challenge their behavior.
TRS maintains high data security standards and emphasizes compliance with privacy regulations. However, operational compliance with security protocols doesn’t guarantee that their collection tactics follow FDCPA requirements.
When Collection Becomes Illegal Harassment
The line between persistent collection and illegal harassment is clear under federal law. Recognizing these violations protects your rights and builds your case for damages.
Time and Frequency Violations
Collectors cannot call before 8 a.m. or after 9 p.m. in your time zone without permission. Courts have found 7-10+ calls daily excessive, especially when combined with other violations. Even 3-4 daily calls may constitute harassment if designed to annoy or coerce payment.
Communication Content Violations
Abusive language, profanity, or threats create FDCPA violations. Collectors cannot claim you’ve committed crimes, threaten arrests, or falsely represent their legal authority. Misrepresenting debt amounts or adding unauthorized fees also violates federal law.
Third-Party Contact Violations
Discussing your debt with family, friends, neighbors, or coworkers violates your privacy rights. Collectors may contact third parties only to locate you, never to discuss debt details or pressure payment.
Workplace Harassment
Once you inform TRS that your employer prohibits such calls or the contact is inconvenient, continued workplace calls violate the FDCPA. These violations can jeopardize your employment and create grounds for significant damages.
Validation and Dispute Rights Violations
Collectors must inform you of your right to dispute debts within 30 days. Failing to provide this notification or continuing collection after receiving a written dispute violates federal law. Similarly, refusing to validate debts when requested creates actionable violations.
Learn proper evidence gathering and how to document debt collection harassment the right way.
Titan Revenue Solutions: Known Contact Numbers
If you’re receiving calls from these numbers, they likely originate from Titan Revenue Solutions:
- (888) 390-0147
- (916) 226-5483
TRS may use additional unlisted numbers. Don’t dismiss unfamiliar numbers—document all contact attempts regardless of the caller ID displayed.
Your Specific Rights Under Federal Law
The FDCPA provides concrete protections that TRS must respect. Understanding these rights transforms you from a passive victim to an informed consumer capable of stopping harassment.
Communication Restrictions
Collectors face strict limits on when and how they contact you. Calls outside 8 a.m. to 9 p.m. require your consent. You can demand that all communication occur in writing, and they must honor this request. After receiving a cease-and-desist letter, they can only contact you to confirm they’re stopping or notify you of specific legal actions.
Debt Validation Rights
Within 30 days of first contact, you can demand written validation showing the debt amount, the original creditor’s name, and proof that they have the authority to collect. During validation, all collection activity must pause. They cannot call, send letters, or report to credit bureaus until providing adequate proof.
Protection from Misrepresentation
Collectors cannot lie about anything: debt amounts, legal consequences, their identity, or their authority. They cannot threaten actions they don’t intend to take or lack the legal authority to pursue. False threats of arrest, wage garnishment without court orders, or criminal prosecution all violate the FDCPA.
Right to Legal Representation
Once you inform collectors that an attorney represents you, they must communicate only with your lawyer. Continued direct contact violates the FDCPA and may entitle you to damages.
Understanding specific violations helps protect your rights, as detailed in how medical debt collectors cross the line and what’s illegal.
Immediate Actions That Actually Stop Harassment
Generic advice doesn’t stop determined collectors. These specific tactics, applied correctly, create legal pressure that forces compliance.
Build an Airtight Documentation System
Start a harassment log today. Record every detail: exact call times (note time zone), caller names and employee IDs if provided, phone numbers used (check caller ID and voicemails), specific statements including threats or false claims, witnesses to calls, and your responses during conversations.
Save every voicemail, text message, email, and letter. Screenshot caller IDs. If your state allows one-party consent recording, record calls. This evidence becomes ammunition for FDCPA lawsuits.
Send a Debt Validation Demand
Within 30 days of first contact, send this letter via certified mail with return receipt:
“I dispute this debt and demand validation under the Fair Debt Collection Practices Act. Provide: (1) the original creditor’s name and contact information, (2) the debt amount with itemized fees, (3) documentation proving I owe this debt, and (4) proof you have authority to collect. Cease all collection activity until providing this validation.”
This forces them to pause collection while gathering proof. Many collectors lack proper documentation and abandon collection after validation demands.
Issue a Cease-and-Desist Letter
Send via certified mail with return receipt:
“Under the Fair Debt Collection Practices Act Section 805(c), I demand you cease all communication with me regarding this alleged debt. Do not call, write, text, or contact me through any medium except to confirm you’ve received this request or notify me of specific legal action you intend to pursue.”
After receiving this, they can only contact you twice: once to confirm they’re stopping and once to notify you of specific legal actions like filing a lawsuit.
Set Specific Communication Boundaries
You control how collectors reach you within FDCPA limits. Specify in writing: written communication only via mail, no workplace contact under any circumstances, acceptable calling hours (within the 8 a.m. to 9 p.m. window), and specific phone numbers they may or may not call.
They must honor these boundaries. Violations after receiving your written instructions strengthen FDCPA claims significantly.
Get Legal Representation Immediately
Contact The Wood Law Firm at 844-638-1122. Attorney involvement often stops harassment within 24-48 hours. Collectors risk significant damages continuing collection after learning you have legal representation.
Consumer protection attorneys work on contingency—you pay nothing unless you win. This removes financial barriers to stopping harassment and pursuing damages.
For related situations, see what to do when a collector contacts you about a paid debt.
Understanding Wage Garnishment and Legal Action
Collectors frequently threaten wage garnishment to coerce payment. Understanding the legal reality helps you identify false threats and protect yourself.
The Garnishment Process
Wage garnishment requires multiple legal steps. Collectors must file a lawsuit in the proper jurisdiction, serve you with legal papers, win a court judgment proving you owe the debt, obtain a garnishment order from the court, and follow state-specific garnishment procedures.
Federal student loans represent the only exception—they can be garnished administratively without court involvement. For all other consumer debts, garnishment requires winning a lawsuit first.
Any threat of immediate wage garnishment without mentioning lawsuits or court orders violates the FDCPA. These false threats create strong claims for damages.
Learn more at can debt collectors can garnish your wages without warning.
Lawsuit Realities
TRS can sue you, but significant limitations apply. The statute of limitations (typically 3-10 years, depending on state and debt type) must not have expired. They need proper documentation proving you owe the debt. They must file in the correct jurisdiction and serve you properly with legal papers.
Many collection lawsuits fail because collectors lack adequate documentation. If served, always respond within the deadline to avoid a default judgment.
Real Client Victories Against TRS
Excessive Calling Finally Stopped
Rebecca from California received 12-15 calls daily from Titan Revenue Solutions about a disputed utility bill. Calls came before 8 AM and after 9 PM repeatedly for three weeks. She documented every call with detailed logs. The Wood Law Firm filed an FDCPA lawsuit citing time violations and excessive contact. TRS settled for $3,800, calls stopped within 36 hours, and the disputed debt was removed from her credit report.
Workplace Harassment Costs Them
James in Texas faced embarrassing workplace calls from TRS despite informing them that his employer prohibited such contact. The calls continued for two weeks, creating tension with his supervisor. The Wood Law Firm documented the workplace violations and filed suit. James recovered $2,900 in damages, TRS ceased all contact, and his employer received written confirmation that no further calls would occur.
False Threats Led to Compensation
Linda in Florida received threatening voicemails from TRS claiming they would have her arrested for a $1,200 medical debt. These false criminal threats violated FDCPA prohibitions on misrepresentation. The Wood Law Firm preserved the voicemails as evidence and filed a comprehensive lawsuit. Linda recovered $4,100 in statutory damages plus attorney’s fees, and TRS deleted all credit reporting related to the disputed debt.
The Wood Law Firm: Proven Track Record Against Collectors
At The Wood Law Firm, our mission is simple: to protect consumers from predatory practices and ensure they receive the fair treatment they deserve. We specialize in cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). For over a decade, we have fought tirelessly to hold companies accountable and to secure justice for our clients.
Choosing The Wood Law Firm means partnering with a team that is deeply committed to your cause. We understand the stress and frustration that come with facing unfair consumer practices, and we are here to stand by your side every step of the way. Our personalized approach, combined with our extensive experience and national reach, makes us uniquely equipped to handle your consumer protection needs.
Additionally, The Wood Law Firm has cultivated strong Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia.
Meet Attorney Jeff Wood
Jeff Wood is an accomplished attorney based in Arkansas, where he is fully licensed to practice law. With over 15 years of experience, Mr. Wood specializes in consumer protection, focusing on cases involving the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA). His extensive knowledge in these areas has made him a trusted advocate for consumers facing unfair practices.
Though Mr. Wood is only licensed in the state of Arkansas, his legal expertise extends to multiple federal courts. He is admitted to practice in all federal courts in Arkansas, Colorado, New Mexico, and Texas, as well as the Southern District of Indiana, Eastern District of Michigan, Eastern District of Missouri, Western District of Tennessee, and Western District of Wisconsin.
The Wood Firm, under Mr. Wood’s leadership, also collaborates with a network of attorneys through Of Counsel relationships. These attorneys are licensed in various states, including Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas (state courts), Washington, and West Virginia. This extensive network allows The Wood Firm to offer comprehensive legal services across a wide geographic area, ensuring clients receive top-tier representation.
Stop Titan Revenue Solutions Today
Harassment doesn’t stop on its own. Federal law gives you the power to end it and recover damages. Free consultation. No upfront costs. We win, or you pay nothing.
Document violations. Know your rights. Take action now.
Common Questions About Titan Revenue Solutions
Why does Titan Revenue Solutions keep calling me?
They’re attempting to collect a debt they claim you owe to one of their clients—creditors who hired them or sold them the debt. Sometimes they contact the wrong person due to similar names, outdated information, or data errors. Never acknowledge a debt until you’ve verified it’s actually yours through proper validation procedures.
Is Titan Revenue Solutions a legitimate company or a scam?
TRS is a legitimate debt collection agency founded in 2011, not a scam. However, legitimacy doesn’t mean their tactics are always legal. Many licensed collectors violate the FDCPA through aggressive practices. Always verify debts independently before making payments, regardless of the caller’s legitimacy.
How many calls per day cross into harassment territory?
Courts have found 7-10+ calls daily excessive, though even fewer calls may constitute harassment if combined with other violations like profanity, threats, or calls outside permitted hours. The key factor is whether calls are designed to annoy, harass, or coerce payment. Document every call to establish patterns.
Can TRS threaten to garnish my wages?
Not without first filing a lawsuit and winning a court judgment. Threats of immediate wage garnishment without mentioning legal proceedings violate the FDCPA. Federal student loans represent the only exception—they can be garnished administratively. Any other garnishment threat without court involvement is illegal.
What should I do if they call about a debt I don’t recognize?
Immediately send a written debt validation letter disputing the debt and demanding proof. Do not acknowledge ownership, make payments, or provide personal information. The debt may belong to someone else, be fraudulent, exceed the statute of limitations, or already be paid. Making even a partial payment can be interpreted as acknowledging the debt.
Can Titan Revenue contact my family or employer?
They may contact third parties once or twice solely to locate you, but cannot discuss your debt with anyone except you, your spouse, or your attorney. Revealing debt details to family, friends, or employers violates the FDCPA. Workplace contact must stop immediately after you inform them it’s prohibited or inconvenient.
What happens after I send a cease-and-desist letter?
They can only contact you twice more: once to confirm they received your request and will stop, and once to notify you of specific legal action they intend to take (like filing a lawsuit). Any other contact violates the FDCPA and significantly strengthens your case for damages. Send via certified mail with a return receipt.
How long can TRS legally pursue this debt?
The statute of limitations varies by state (typically 3-10 years) and starts from your last payment or acknowledgment. After expiration, they can still attempt collection, but cannot successfully sue you. Making payments or acknowledging old debts can restart the statute. Consult an attorney before paying or acknowledging debts older than 3 years.
Can I sue Titan Revenue Solutions for harassment?
Yes, if they violated the FDCPA. You may recover up to $1,000 in statutory damages per lawsuit, actual damages for emotional distress or financial harm, and attorney’s fees paid by the collector. Most consumer protection attorneys work on contingency, meaning you pay nothing unless you win. The Wood Law Firm offers free consultations at 844-638-1122.
Do I need an attorney to stop the harassment?
Not always, but attorney involvement often stops harassment within 24-48 hours. Collectors risk significant FDCPA damages continuing collection after learning you have legal representation. Free consultations at consumer protection firms mean you risk nothing by exploring your options. An attorney can immediately halt contact, investigate violations, and pursue maximum damages on your behalf.
Additional Resources for Consumer Protection
Understanding time-barred debt collection helps protect against illegal tactics, as explained in when debt collectors chase time-barred debts what you should know.
Night calls represent serious FDCPA violations, detailed in ” Why Debt Collectors Love Calling at night and why it’s illegal.
Credit score damage from collectors is addressed in Can a debt collector ruin your credit score without telling you.
For official federal guidance, visit FTC Debt Collection FAQs.
