A call from Upstate Remedial Services about a medical or credit card debt can feel sudden and stressful. The agency has zero complaints on file with the Better Business Bureau. Federal law still limits what a debt collector can say and how often they can call.
Key Takeaways
- Upstate Remedial Management, Inc. is based in Rochester, NY, and has operated since 2019.
- The agency is BBB accredited with an A+ rating and zero complaints on file.
- A clean complaint record does not waive your rights under federal debt collection law.
- The FDCPA and FCRA govern how the agency may contact you and report your debt.
- Consumers may recover up to $1,000 in FDCPA damages and $500 to $1,500 per TCPA violation.
- The Wood Firm PLLC reviews potential violations on contingency, at no upfront cost.
Free Case Review: +1-844-638-1122
Who Is Upstate Remedial Services
Upstate Remedial Services is also listed as Upstate Remedial Management, Inc. The company is a third-party debt collector based in Rochester, New York. It has operated since 2019.
It collects unpaid medical, commercial, and credit card debts for creditors and debt buyers throughout New York. If you are receiving calls, a creditor likely referred your account for collection.
The agency is BBB accredited with an A+ rating and zero complaints on file as of this writing. A clean BBB record does not waive your protections under the FDCPA or FCRA. That holds no matter how the company describes itself.
- Also Known As: Upstate Remedial Services, Upstate Remedial Management
- Address: 100 Boxart St, Suite 2174, Rochester, NY 14612
- Phone: 585-450-0676 | (585) 450-0676 | +1 585-450-0676 | 5854500676
- Fax: 585-672-1576
- BBB Profile: Upstate Remedial Management BBB listing
In our practice, we request the original account placement letter on every Upstate Remedial file. That document shows when the creditor transferred the account and for how much. A mismatch between that letter and later collection calls can be worth examining.
What Phone Numbers Does Upstate Remedial Services Use
Upstate Remedial Services generally contacts consumers from 585-450-0676. The agency has also been linked to 844-791-8261. Save any voicemail as documentation, since recordings often identify the caller and describe the debt.
That record can help answer how to request debt validation if the calls continue without written notice.
Why Is Upstate Remedial Services Calling You
Upstate Remedial Services is calling you because a creditor assigned or sold your account to them for collection. That does not always mean the balance is accurate or even yours. Before you respond, review what the FDCPA protects you from.
Ask for the name of the original creditor, the original amount owed, and the current balance claimed. Ask for written validation before you agree to anything. A legitimate agency will provide this information without pressuring you first.
What Happens If You Ignore Upstate Remedial Services
Ignoring calls does not make a valid debt disappear. If the balance is accurate and the dispute deadline passes, the agency may keep collecting. Silence also means you may miss a validation window that only lasts a short time.
Responding in writing preserves your rights even if you plan to dispute everything. A brief letter requesting validation starts the clock on the agency’s legal obligations. In our practice, we recommend clients send that letter before making any payment.
A payment can sometimes restart the collection timeline, so timing matters as much as the letter itself.
Is Upstate Remedial Services a Scam
Upstate Remedial Services is a real, licensed debt collection agency. Being licensed and accredited does not mean every tactic is legal. The agency currently has zero complaints on file with the BBB.
A clean complaint history does not waive federal protections. Watch for these warning signs regardless of a company’s track record:
- Calls that continue after a written validation request
- Threats of arrest or wage garnishment without legal grounds
- Pressure to pay before any written notice arrives
If you notice any of these, federal law may still apply. In our practice, we review a client’s full call history for tone and frequency. Pattern evidence can matter even without a prior complaint on file.
Is Upstate Remedial Services Banned by the FTC
No. Upstate Remedial Services has not faced a public Federal Trade Commission enforcement action, based on available records. The absence of an FTC case does not rule out other remedies.
Consumers can still pursue claims through the CFPB or their state attorney general’s office. A private FDCPA claim remains available even without prior federal action. Each path builds a separate record of the agency’s conduct.
What Counts as Upstate Remedial Debt Collection Harassment
Debt collection harassment happens when a collector uses unfair or illegal tactics to pressure you. The FDCPA prohibits several specific behaviors, including:
- Calling multiple times a day to intimidate or coerce you
- Contacting you before 8 a.m. or after 9 p.m. without consent
- Using profanity, threats, or derogatory language during calls
- Claiming they will sue, garnish wages, or seize assets without legal grounds
- Discussing your debt with coworkers, neighbors, or other unauthorized parties
If any of these describe your calls with Upstate Remedial Services, document them carefully with dates and times. That record supports a validation request or a formal complaint later.
Can Upstate Remedial Services Report Your Debt to Credit Bureaus
Yes, Upstate Remedial Services can report unpaid accounts to the major credit bureaus. That reporting must comply with the Fair Credit Reporting Act. The agency may not use credit reporting as a threat to force payment.
If reporting looks inaccurate or premature, you may have grounds for an FCRA dispute. We have seen similar reporting patterns in the Credit Bureau Collection Services harassment cases we track. A credit bureau dispute can run alongside any FDCPA claim.
How Do You Dispute a Debt With Upstate Remedial Services
You can dispute a debt with Upstate Remedial Services by sending a written validation request within 30 days. Collection activity must pause until the agency verifies the debt. If calls continue after a written cease request, each call afterward may be a separate FDCPA violation.
You can also send a written cease and desist letter requesting that they stop contacting you entirely. Once received, the agency may only contact you to confirm they will stop. They may also contact you to notify you of specific legal action.
A strong dispute letter should include:
- Your name and the account or reference number listed
- A clear statement that you dispute the debt
- A request for written validation and proof of the amount owed
In our practice, we date-stamp every validation request our clients send us. The FDCPA’s five-day and thirty-day deadlines often decide whether a case has merit. Missing that window can weaken an otherwise strong claim.
Certified mail with a return receipt gives you proof the agency received your letter. Keep that receipt with a copy of everything you send, including the envelope and postmark.
How The Wood Firm PLLC Helps Stop Upstate Remedial Debt Harassment
When we open a file, we review your call log, voicemails, and letters for FDCPA and FCRA violations. We compare the collector’s timeline against your validation and dispute deadlines.
The Wood Firm PLLC represents consumers exclusively, and we handle these cases on contingency. You pay nothing unless we recover on your behalf. To start a free case review, call +1-844-638-1122.
Ready to find out if Upstate Remedial Services crossed a legal line? Call +1-844-638-1122 or visit our contact page for a free case review. The Wood Firm PLLC handles these cases on contingency.
Frequently Asked Questions About Upstate Remedial Services
What Is Upstate Remedial Services
Upstate Remedial Services is a third-party debt collection agency based in Rochester, New York. It collects medical, commercial, and credit card debts on behalf of creditors.
Is Upstate Remedial Services Accredited by the BBB
Yes, Upstate Remedial Services is BBB accredited with an A+ rating and zero complaints on file. Accreditation does not waive your federal debt collection rights.
What Rights Do I Have Under the FDCPA
You can request debt validation, stop further communication, and pursue damages for abusive or deceptive practices. A private claim can recover up to $1,000 in statutory damages. Many successful cases also recover attorney fees.
How Do I Stop Upstate Remedial Services From Calling
Send a written cease communication request. The agency must legally stop contacting you except to notify you of legal action. Keep a copy of the letter and proof of mailing.
Can Upstate Remedial Services Contact Me at Work
They can only call your workplace if your employer allows it. Once you tell them your employer does not permit such calls, they must stop contacting you there entirely.
Does Upstate Remedial Services Report to Credit Bureaus
Yes, it can report unpaid accounts to Experian, TransUnion, and Equifax under the FCRA. That reporting must be accurate, timely, and cannot be used as a threat to force payment.
Also read: Fight Collection Agency Harassment, Action Financial Services harassment, and Associated Collection Service harassment. Related reading: Financial Recovery Services harassment.
What to Do Next If Upstate Remedial Services Keeps Calling
Your next step is to document every call from Upstate Remedial Services and request written validation. Save voicemails and note the date and time of each call. The Wood Firm PLLC reviews these cases on contingency.
There is no upfront cost to learn if your rights were violated. If the pattern continues, call +1-844-638-1122 for a free case review.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
