Sentry Recovery & Collections, Inc. is a Las Vegas-based debt collection agency founded in 1976, specializing in medical, property management, and commercial debt. Sentry Credit, Inc. is a separate company based in Everett, Washington, collecting credit card and unsecured loan debt since 1977. They are not the same company, but because their names are so similar, many people searching for one end up reading about the other.
If you’re getting calls about a medical bill or a property balance and the caller is in Las Vegas, that’s Sentry Recovery. If the debt is a credit card and the address is Everett, WA, that’s Sentry Credit. Either way, if the calls feel relentless or something about their communication doesn’t sit right, you’re not imagining it – both entities have documented federal lawsuit histories worth knowing about before you respond to anything.
Either way, you have rights. Call +1-844-638-1122 – The Wood Firm PLLC works on contingency and the consultation is free.
Key Takeaways
- Sentry Recovery & Collections, Inc. is based in Las Vegas, NV, operating since 1976, specializing in medical, property management, and commercial debt – BBB accredited with a B+ rating
- Sentry Credit, Inc. is a separate company based in Everett, WA, collecting credit card and unsecured loan debt – 160+ federal lawsuits including cases about tax consequences of debt forgiveness and misleading interest disclosures
- The Smith v. Sentry Credit lawsuit alleged they failed to warn consumers about the tax consequences (1099-C forms) of settled debt – a uniquely harmful omission
- The Bylov lawsuit alleged Sentry Credit implied a debt was accruing interest when it was not, creating false urgency
- The Wood Firm PLLC works on contingency – you pay nothing unless we win
Who Is Sentry Recovery & Collections, Inc.?
Sentry Recovery & Collections, Inc. is a Las Vegas-based debt collection agency founded in 1976, specializing in medical debt, property management balances, retail, and commercial accounts. Headquartered at 3080 S Durango Dr., Suite 203, Las Vegas, NV 89117, they describe their approach as “diplomatic yet firm” and use skip tracing and electronic assignment in their recovery process. They are BBB accredited with a B+ BBB rating, though 27 complaints have been filed in the last three years.
Contact information:
- Phone: (702) 944-4111 / 702-944-4111 / 7029444111
- Address: 3080 S Durango Dr., Suite 203, Las Vegas, NV 89117
Who Is Sentry Credit, Inc.? (Different Company)
Sentry Credit, Inc. is an entirely separate debt collection agency based in Everett, Washington, operating since 1977. They collect primarily credit card and unsecured loan debt. If you’re receiving calls about credit card balances and the caller references an Everett, WA address, that’s Sentry Credit – not Sentry Recovery.
Sentry Credit has been involved in over 160 federal court cases. Their phone numbers include (425) 257-9500 / 425-257-9500, (425) 740-5400 / 425-740-5400, (800) 608-2581 / 800-608-2581, and (425) 740-5406.
Notable lawsuits against Sentry Credit, Inc. specifically include:
In Smith v. Sentry Credit (2017), a class action alleged Sentry Credit failed to warn consumers that settling a debt for less than the full balance could generate a 1099-C tax form – meaning the forgiven amount may be treated as taxable income by the IRS. Failing to disclose that outcome when discussing settlement may constitute a deceptive practice under the FDCPA, and it’s one of the most financially consequential omissions documented against any collector in this space.
Bylov v. Sentry Credit (2018) alleged that collection letters implied a debt was accruing interest when it was not – creating false urgency and pressuring consumers to pay faster than legally necessary. Riccio v. Sentry Credit (2017-2018) raised a related disclosure failure, alleging Sentry Credit failed to clearly state that debt disputes must be submitted in writing – potentially misleading consumers about how to protect their rights. The CFPB explains what debt collectors can and cannot do under federal law, and both of these alleged omissions fall squarely within prohibited conduct.
Garretson v. Sentry Credit (2017) was a class action alleging unreasonable, oppressive, or abusive collection methods, including misleading consumers about tax reporting on settled debts – mirroring the Smith theory. Estate of Joanne Schmitz v. Sentry Credit (2016-2017) alleged Sentry Credit, acting on behalf of Midland Funding, sent illegal collection letters. Dolan v. Sentry Credit (2018, W.D. Wash.) was a federal FDCPA case that reached summary judgment motions, and Haggie v. Sentry Recovery & Collections (2014, D. Nev.) alleged violations of the Fair Debt Collection Act against the Las Vegas entity specifically.
📞 Has Sentry Violated Your Rights?
Whether it’s Sentry Recovery or Sentry Credit, federal law protects you. You may be entitled to:
- Up to $1,000 per FDCPA violation
- Actual damages for emotional distress and financial harm
- Attorney fees paid by Sentry if we win
✓ We work on contingency — You pay nothing unless we win
FREE Case Review: +1-844-638-1122
How to Stop Calls from Sentry Recovery & Collections
To stop calls from Sentry Recovery or Sentry Credit, here is what to do – starting with the step that gives you the most immediate protection. If you’re receiving calls from (702) 944-4111 / 702-944-4111 / 7029444111 (Sentry Recovery, Las Vegas), or from (425) 257-9500 / 425-257-9500 / 4252579500, (800) 608-2581 / 800-608-2581 / 8006082581, or (425) 740-5400 / 425-740-5400 / 4257405400 (Sentry Credit, Everett WA), here is what to do:
1. Request Debt Validation in Writing
Within 30 days of first contact, send a written request via certified mail to whichever Sentry entity is contacting you. Request the original creditor’s name, the complete account history, and – if they’re offering any settlement – ask them in writing whether a settled balance will result in a 1099-C tax form being issued. The Smith v. Sentry Credit lawsuit established that failing to disclose this is potentially deceptive. Their response or non-response tells you a great deal about their compliance posture.
2. Check Whether the Debt Is Time-Barred
Both Nevada and Washington set limits on how long collectors can sue for unpaid debts – typically six years for written contracts. If the debt is older than your state’s window, Sentry may still attempt collection but cannot legally file a lawsuit to collect. Verify the date of last activity before acknowledging anything or making any payment.
3. Send a Cease-and-Desist Letter
If calls continue after your validation request, a written cease-and-desist via certified mail stops contact under the Fair Debt Collection Practices Act. The Congressional Research Service outlines this as a fundamental consumer right under federal law. After receipt, they may only contact you to confirm cessation or notify you of legal action. Keep your certified mail receipt.
4. Hire an Attorney
Once either Sentry entity knows you have legal representation, all contact routes through your attorney. The Wood Firm PLLC works on contingency. Call +1-844-638-1122.
The 1099-C Tax Issue: What Sentry Credit Allegedly Didn’t Tell You
This section exists because the Smith and Garretson cases raised something most people don’t know about debt settlement. When a debt collector forgives or settles a balance for less than the full amount owed, the IRS may treat the forgiven portion as taxable income. The creditor is typically required to send you a 1099-C form reporting that amount, and you may owe taxes on it.
The Smith v. Sentry Credit lawsuit alleged the company failed to disclose this when communicating about debt forgiveness – potentially leaving consumers to discover an unexpected tax bill after settling. If you settled a debt with Sentry Credit and received a 1099-C you weren’t told to expect, that omission may have been an actionable deceptive practice under the FDCPA. Speak with an attorney about your specific situation.
How to Remove Sentry from Your Credit Report
To remove Sentry Recovery & Collections or Sentry Credit from your credit report, first verify the entry reflects the correct company, correct amount, and correct original delinquency date. Given the documented interest disclosure failures in Bylov, amounts reported by Sentry Credit may include misleading fee accruals worth challenging.
- If the entry is inaccurate – dispute it in writing with Equifax, Experian, and TransUnion, citing the specific discrepancy.
- If validation was not adequately provided – reference this in your bureau dispute.
- Pay-for-delete – if the debt is valid, negotiate written deletion from all three bureaus before making any payment.
- FCRA grounds – if either Sentry entity reported inaccurate information, you may have a separate FCRA claim.
How The Wood Firm PLLC Stops Sentry
Here is the reality: Sentry Credit has been taken to federal court over 160 times. Their letters have been challenged for misleading interest disclosures, hiding tax consequences from consumers, and failing to properly explain dispute rights. That is not a compliance-focused agency – that is a pattern. And patterns are exactly what we build cases from.
When you call The Wood Firm PLLC, we don’t just send a cease-and-desist and hope for the best. We pull apart every letter they sent you, match it against their documented violations, and identify every claim available to you – FDCPA, FCRA, and TCPA. If they implied interest was accruing when it wasn’t, that’s Bylov. If they settled without mentioning the 1099-C, that’s Smith. If they kept calling after a cease request, that’s a standalone violation worth pursuing.
We’ve been doing this exclusively since 2010. We work on contingency – meaning you pay nothing unless we win, and if we do win, Sentry pays our fees, not you. The first call costs you nothing. What it could cost Sentry is a different story.
Call +1-844-638-1122 and let’s see what they’ve actually done.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection – FDCPA, FCRA, and TCPA cases. With over 15 years of experience and Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, he has never represented a creditor or collection agency.
What Our Clients Say About The Wood Firm PLLC
“Sentry Credit was calling me multiple times daily about a credit card balance I disputed. I had no idea I could fight back legally until I called The Wood Firm PLLC. They documented the excessive calling violations, filed suit, and I received damages. The calls stopped the day they got involved.”
— Client, Washington
“Sentry Recovery appeared on my credit report for a medical debt I thought my insurance had covered. The amount didn’t match anything in my records. The Wood Firm PLLC challenged the entry, the debt couldn’t be validated, and it was removed from all three bureaus.”
— Client, Nevada
“Sentry Credit offered to settle my balance but never mentioned I’d receive a 1099-C for the forgiven amount. Finding out at tax time was a real shock. The Wood Firm PLLC helped me understand my rights around that omission and pursued a claim. I wish I’d called them before settling.”
— Client, Oregon
⚖️ Has Sentry Violated Your Rights?
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Common Questions About Sentry Recovery & Collections
Are Sentry Recovery & Collections and Sentry Credit the same company?
No – they are two completely separate debt collection agencies. Sentry Recovery & Collections, Inc. is based in Las Vegas, NV, and specializes in medical and property management debt. Sentry Credit, Inc. is based in Everett, WA, and collects credit card and unsecured loan debt. Check the address on any letter or caller ID to determine which entity is contacting you.
Is Sentry Recovery & Collections legitimate?
Yes – Sentry Recovery is a real, BBB-accredited agency with a B+ rating, operating since 1976 in Las Vegas. Sentry Credit, Inc. is also a real agency operating since 1977 in Everett, WA. Neither is a scam, though both have documented consumer complaints and federal lawsuit histories.
What was the Smith v. Sentry Credit lawsuit about, and does it affect me?
The 2017 Smith case alleged Sentry Credit failed to inform consumers that settling a debt for less than the full balance could result in receiving a 1099-C tax form – meaning the forgiven amount may be treated as taxable income. If you settled with Sentry Credit and weren’t told about potential tax consequences, that omission may have been an actionable deceptive practice. Speak with The Wood Firm PLLC about your situation.
Why does Sentry Credit’s letter say my balance might be increasing?
The Bylov v. Sentry Credit class action (2018) alleged their letters implied interest was accruing on a debt when it was not – creating artificial urgency to pay faster. If your Sentry Credit letter includes language about a balance increasing when the debt is not actually accruing interest, that may mirror the Bylov allegation. Document the letter and call +1-844-638-1122.
Should I pay Sentry before speaking to an attorney?
No – particularly given the 1099-C issue and the time-barred debt concerns documented in Sentry’s lawsuit history. A free call to The Wood Firm PLLC could reveal the debt is past the statute of limitations, the amount is inflated, or your rights were violated during collection. Call +1-844-638-1122 before making any payment.
