Stop DSR Holdings Group Debt Collection Harassment Now
DSR Holdings Group operates as a third-party debt collector from Getzville, New York, specializing in portfolio management and debt recovery services. While they maintain legitimate business operations at 2350 N Forest Rd, Suite 8A, Getzville, NY 14068, consumer complaints suggest their collection methods may violate federal consumer protection laws.
Federal law under the Fair Debt Collection Practices Act (FDCPA) establishes clear boundaries for debt collector behavior. If DSR Holdings Group contacts you with threats, excessive calls, or privacy violations, you have legal grounds to take action and potentially recover damages.
DSR Holdings Group Company Profile
DSR Holdings Group manages debt portfolios across multiple industries, contacting thousands of consumers annually about outstanding debts. Their primary contact number is 1-855-731-2188.
Consumer Complaints and Company Reputation
Reviews from consumers reveal patterns of concerning behavior, including:
- Multiple daily phone calls
- Threatening language about legal consequences
- Contacting family members or employers
- Providing false information about debt amounts
- Failing to provide proper validation documentation
These practices mirror complaints filed against many third-party collectors and may constitute FDCPA violations when they occur.
Is DSR Holdings Group Legitimate or a Scam?
DSR Holdings Group is a legitimate debt collection company, not a scam operation. However, legitimacy does not exempt them from following federal law. Courts have held legitimate collection agencies accountable for harassment, misrepresentation, and privacy violations.
The company’s legal status means they can pursue valid debts through proper channels. It also means they face legal consequences when their collection tactics cross into illegal territory. Understanding debt collection agency operations helps you distinguish between lawful collection attempts and actionable violations.
Illegal Debt Collection Tactics to Recognize
Recognizing illegal behavior helps you document violations and build potential legal claims. Watch for these prohibited practices:
Excessive or Harassing Phone Calls
Repeated calls intended to annoy, abuse, or harass violate federal law. While no specific number automatically qualifies as “excessive,” courts have found patterns of 7-10 daily calls problematic. Calls before 8:00 AM or after 9:00 PM in your time zone are explicitly prohibited.
Threatening or Intimidating Communication
Collectors cannot threaten actions they cannot legally take or don’t intend to pursue. False threats about arrest, criminal prosecution, property seizure, or immediate wage garnishment constitute illegal intimidation tactics.
Unauthorized Third-Party Contact
DSR Holdings Group cannot discuss your debt with family members, neighbors, employers, or friends. Limited exceptions exist only for locating you—they can ask others for your contact information, but cannot reveal why they’re calling or mention any debt.
False or Misleading Statements
Collectors must provide accurate information about:
- The debt amount
- Their identity and company name
- Your rights under federal law
- The original creditor
- Legal consequences of non-payment
Misrepresenting any of these facts violates the FDCPA. Document these violations properly to strengthen potential legal claims.
Federal Rights Under the Fair Debt Collection Practices Act
The FDCPA grants consumers specific protections against abusive debt collectors. Understanding these rights empowers you to take immediate action:
Right to Debt Validation Within five days of initial contact, collectors must send a written notice containing the debt amount, original creditor name, and your right to dispute. You have 30 days to request validation in writing.
Right to Dispute If you believe the debt is inaccurate or not yours, written disputes trigger a legal obligation for collectors to cease collection until they verify.
Right to Stop Contact You can request in writing that DSR Holdings Group stop contacting you. After receiving your cease-and-desist letter, they can only contact you to confirm they’ll stop or notify you of specific legal actions.
Right to Sue for Violations: FDCPA violations entitle you to statutory damages up to $1,000 plus actual damages, attorney fees, and court costs. You don’t need to prove actual financial harm to recover statutory damages.
Right to Privacy Collectors cannot publish your name on “bad debt” lists, discuss your debt with unauthorized parties, or contact you at work after being told your employer prohibits such calls.
Responding to DSR Holdings Group Contact
Taking systematic action protects your rights and creates evidence for potential legal claims:
Document Every Interaction
Create detailed records including:
- Date and time of each call
- Caller’s name and identification number
- Phone number used
- Conversation content and any threats made
- Voicemail messages (save recordings if possible)
- Letters or emails received
This documentation becomes critical evidence if you pursue legal action.
Request Written Debt Validation
Send a written request for validation within 30 days of initial contact. Your letter should include:
- Your name and account number
- A clear statement requesting debt validation
- Request for documentation proving they own or are authorized to collect the debt
- Request for information about the original creditor
Send via certified mail with return receipt to prove delivery.
Send a Cease-and-Desist Letter
If harassment continues, send a written cease-and-desist letter stating clearly that you request no further contact. After receiving this, DSR Holdings Group can only:
- Confirm they will stop contact
- Notify you of specific legal actions they intend to pursue
Any continued contact beyond these narrow exceptions violates federal law.
File Official Complaints
Report violations to:
- Consumer Financial Protection Bureau: Accepts complaints online and investigates patterns of illegal behavior
- Federal Trade Commission: Enforces consumer protection laws against debt collectors
- Your State Attorney General: Many states have stricter debt collection laws than federal requirements
- Better Business Bureau: Creates public complaint records
Consult Legal Representation
The Wood Law Firm offers free consultations to evaluate your situation. We can immediately stop harassment while pursuing compensation for violations. Call 844-638-1122 to discuss your case.
Wage Garnishment: What DSR Holdings Group Can and Cannot Do
Wage garnishment requires specific legal steps that protect your due process rights. DSR Holdings Group cannot garnish your wages without first:
- Filing a lawsuit against you
- Serving you with proper notice
- Winning a court judgment
- Obtaining a garnishment order from the court
Federal Debt Exceptions Federal student loans and tax debts allow administrative garnishment without court judgments. If DSR Holdings Group collects these debt types, different rules apply.
State Law Protections States limit garnishment amounts—typically 25% of disposable earnings or the amount by which your weekly income exceeds 30 times the federal minimum wage, whichever is less. The U.S. Department of Labor outlines federal wage garnishment protections that establish baseline limits. Some states provide additional protections or prohibit garnishment for certain income sources.
Threats of immediate wage garnishment without a judgment may violate federal law. Understanding garnishment procedures helps you identify false threats.
Can DSR Holdings Group Sue You?
Yes, debt collectors can file lawsuits to recover outstanding debts. However, several factors affect their ability to sue successfully:
Statute of Limitations Each state sets time limits for filing debt collection lawsuits, typically 3-6 years depending on debt type. Time-barred debts cannot be legally enforced through litigation, though collectors may still attempt contact.
Proper Documentation DSR Holdings Group must prove they own the debt or have authorization to collect it. Many third-party collectors struggle to provide complete documentation chains, weakening their legal position.
Your Response Matters Never ignore lawsuit notices. Failing to respond results in default judgments that grant collectors significant collection powers including garnishment and bank account levies.
Protecting Yourself from Payment Mistakes
Making payments without proper verification creates serious risks:
Paying Debts You Don’t Owe
Identity theft, clerical errors, and mistaken identity cause collectors to pursue wrong individuals. Without verification, you might pay someone else’s debt or a debt already satisfied.
Always demand written validation showing:
- Original creditor documentation
- Payment history
- Proof of DSR Holdings Group’s legal right to collect
Restarting Statute of Limitations
Making payments or acknowledging old debts can restart limitation periods, giving collectors years of additional collection authority. Before paying any debt, confirm its age and your state’s statute of limitations.
Falling for Scam Operations
Fraudulent collectors impersonate legitimate agencies to steal money. Verify DSR Holdings Group’s identity through:
- Independent research of their business information
- Checking their authorization to collect in your state
- Comparing their information against your credit report
Never provide banking information or make payments until you’ve confirmed legitimacy.
Partial Payment Confusion
Some collectors apply payments to fees and interest rather than principal balances. Without written agreements, you might pay substantial amounts while the debt grows.
Require written settlement agreements specifying:
- Total amount owed
- How payments will be applied
- Confirmation that agreed payment satisfies the debt completely
- Agreement not to report the debt or pursue additional amounts
Responding to Lawsuits from DSR Holdings Group
Lawsuit notices require immediate attention. Default judgments grant collectors powerful collection tools including wage garnishment and bank account seizures.
Verify the Lawsuit’s Validity
Examine the complaint for:
- Correct identification (is this really your debt?)
- Accurate debt amount
- Proper documentation proving DSR Holdings Group’s right to sue
- Whether the statute of limitations has expired
File Your Answer
Most jurisdictions require written responses within 20-30 days. Your answer should:
- Deny allegations you dispute
- Raise affirmative defenses (statute of limitations, lack of documentation)
- Assert counterclaims for FDCPA violations if applicable
Gather Supporting Documentation
Collect all evidence including:
- Payment records
- Correspondence with DSR Holdings Group
- Original creditor information
- Evidence of harassment or FDCPA violations
Seek Legal Representation Immediately
Consumer protection attorneys often identify defenses and counterclaims that turn the tables on collectors. Call The Wood Law Firm at 📲 844-638-1122 for immediate lawsuit assistance.
Medical Debt Collection by DSR Holdings Group
DSR Holdings Group frequently collects medical debts, which carry special protections. Medical debt collectors often violate consumer rights because patients don’t understand healthcare billing.
The Medical Debt Reporting Changes As of 2023, medical debts under $500 cannot appear on credit reports. Medical debts must remain unpaid for one year (up from six months) before credit reporting.
Insurance Verification Requirements: Before paying medical debt, verify:
- Your insurance properly processed all claims
- The provider billed correctly
- You received all available discounts or financial assistance
- The debt amount matches explanation of benefits statements
Handling Contact About Previously Paid Debts
Collectors sometimes pursue debts you already satisfied. When contacted about paid debts, take these steps:
- Request written validation of the debt
- Gather payment proof (receipts, cancelled checks, bank statements)
- Send copies of payment documentation via certified mail
- Dispute with credit bureaus if the debt appears on your report
- File FDCPA complaints if contact continues
Never make additional payments without consulting an attorney first.
Client Success Against Debt Collector Harassment
Case 1: Workplace Contact Violation Robert received calls from DSR Holdings Group at his workplace despite informing them his employer prohibited personal calls. After three weeks of continued calls, he contacted The Wood Law Firm. We documented the violations and obtained a $3,200 settlement. The harassment stopped immediately.
Case 2: Threatening Language and Excessive Calls Jennifer received 9-12 daily calls from DSR Holdings Group, including threats of immediate arrest. These threats and call volume clearly violated federal law. The Wood Law Firm secured $4,500 in damages and stopped all contact within 72 hours.
Case 3: Wrong Person Harassment DSR Holdings Group pursued Michael for a $3,800 debt belonging to someone with a similar name. Despite his explanations, calls continued for two months. After verification showed the debt wasn’t his, we obtained $2,800 in damages for the continued harassment, plus removal of all credit report entries.
About The Wood Law Firm: Consumer Protection Specialists
For over 15 years, The Wood Law Firm has defended consumers against predatory debt collection practices. We focus exclusively on Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Telephone Consumer Protection Act (TCPA) violations.
Our Approach to Client Service
We understand the stress and frustration that debt collector harassment creates. Our team provides personalized attention while aggressively pursuing maximum compensation for violations. Every client works directly with experienced attorneys who understand federal and state consumer protection laws.
Lead Attorney Jeff Wood
Jeff Wood brings over 15 years of consumer protection experience to every case. Licensed in Arkansas, he represents clients in federal courts across Arkansas, Colorado, New Mexico, Texas, Indiana, Michigan, Missouri, Tennessee, and Wisconsin.
National Representation Network
The Wood Law Firm maintains Of Counsel relationships with attorneys licensed in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia. This network ensures comprehensive representation regardless of where you live.
Our Track Record
- A+ Better Business Bureau rating
- Hundreds of successful FDCPA cases resolved
- Millions recovered in consumer damages
- Zero upfront costs—we work on contingency
Why Clients Choose Us
Contingency Fee Structure: You pay nothing unless we win your case. All FDCPA cases are handled on contingency, eliminating financial risk.
Proven Results: We’ve successfully litigated against major collection agencies, including DSR Holdings Group, securing favorable settlements and judgments.
Direct Attorney Access: You communicate directly with your attorney throughout the case, not paralegals or administrative staff.
Nationwide Reach: Our Of Counsel network provides representation across multiple states and federal jurisdictions.
Take Action Today
Don’t let DSR Holdings Group control your life through illegal harassment. Federal law provides powerful tools to stop abuse and recover compensation.
Free Consultation Available Now
Call 📲 844-638-1122 to speak with experienced consumer protection attorneys. We’ll:
- Evaluate your situation at no cost
- Identify specific FDCPA violations
- Explain your legal options clearly
- Stop harassment immediately
- Pursue maximum compensation
Time Limits Apply: FDCPA claims must typically be filed within one year of violations. Don’t delay—contact us today to protect your rights and hold DSR Holdings Group accountable.
Frequently Asked Questions
What constitutes DSR Holdings Group debt collection harassment?
Harassment occurs when DSR Holdings Group uses threatening language, calls excessively (often 7-10+ times daily), contacts you outside 8 AM-9 PM hours, discusses your debt with unauthorized third parties, or makes false threats about legal action. These behaviors violate the Fair Debt Collection Practices Act.
How do I stop DSR Holdings Group from calling me?
Send a written cease-and-desist letter via certified mail requesting no further contact. Include your name, account number, and a clear statement that you want all communication to stop. After receiving this, they can only contact you to confirm cessation or notify you of specific lawsuits.
Can DSR Holdings Group contact my family or employer about my debt?
No. Federal law prohibits debt collectors from discussing your debt with third parties. They can contact others only to locate you—asking for your phone number or address—but cannot mention the debt or identify themselves as debt collectors.
What rights does the FDCPA give me against DSR Holdings Group?
You have the right to request debt validation, dispute debts in writing, stop all contact through cease-and-desist letters, and sue for violations. Successful FDCPA lawsuits can result in up to $1,000 in statutory damages plus actual damages and attorney fees.
Can DSR Holdings Group garnish my wages without a court judgment?
No. They must sue you, win a judgment, and obtain a court-ordered garnishment. Exceptions exist for federal student loans and tax debts, which allow administrative garnishment. Threats of immediate garnishment without a judgment likely violate federal law.
How do I dispute a debt with DSR Holdings Group?
Send a written dispute letter within 30 days of their initial contact. State clearly that you dispute the debt and request written validation. They must cease collection activities until they provide documentation proving the debt’s validity and their authority to collect.
Can I sue DSR Holdings Group for harassment?
Yes. If they violate the FDCPA through threats, excessive calls, false statements, or privacy violations, you can file a lawsuit seeking statutory damages up to $1,000, actual damages, and attorney fees. Contact The Wood Law Firm at 844-638-1122 for case evaluation.
Must DSR Holdings Group provide proof of my debt?
Yes. They must send a validation notice within five days of initial contact showing the debt amount, original creditor, and your dispute rights. If you request validation in writing within 30 days, they must provide documentation before continuing collection efforts.
Where can I file complaints about DSR Holdings Group?
File complaints with the Consumer Financial Protection Bureau (online at consumerfinance.gov), Federal Trade Commission, your state Attorney General’s office, and Better Business Bureau. These complaints create public records and trigger investigations.
What if DSR Holdings Group reports false information on my credit report?
Dispute the error directly with all three credit bureaus (Equifax, Experian, TransUnion). They must investigate within 30 days and remove inaccurate information. If false reporting continues, you may have grounds for a Fair Credit Reporting Act lawsuit.
Can I negotiate a settlement with DSR Holdings Group?
Yes. Many consumers settle debts for less than the full amount. Always get settlement terms in writing before making any payment, including confirmation that the agreed amount satisfies the debt completely and they won’t pursue additional amounts or report the debt.
What is a cease-and-desist letter and how does it work?
A cease-and-desist letter is a written demand that DSR Holdings Group stop contacting you. After receiving it, they can only send notices confirming they’ll stop or informing you of specific legal actions they intend to pursue. Continued contact violates federal law.
Can DSR Holdings Group take money from my bank account?
Not without a court judgment and bank levy order. Any unauthorized withdrawal is illegal. If they obtain a judgment, they can request bank account levies, but you receive notice and opportunity to claim exemptions for protected funds.
What should I do if DSR Holdings Group threatens me?
Document all threats with dates, times, and exact language used. Threats of arrest, criminal prosecution, or immediate property seizure typically violate federal law. Contact The Wood Law Firm immediately to discuss legal action against these violations.
How can The Wood Law Firm help with DSR Holdings Group harassment?
We stop harassment immediately while pursuing compensation for FDCPA violations. Our attorneys handle all collector communication, investigate your case, file necessary legal actions, and work on contingency—you pay nothing unless we win. Call 844-638-1122 for a free consultation.
