#1 Way to Remove 'Davis and Jones LLC' (Hurting Your Score)

Most likely they're calling about an unpaid business invoice or accounts receivable a creditor referred to Davis and Jones LLC (doing business as Debt Recovery Resources), though mistakes and identity mix-ups happen. Sometimes collectors contact you about an alleged consumer balance instead - treatment differs depending on whether the debt is commercial or personal.

Don't give personal information; ask for the caller's full name, company details, the original creditor, an account number, and a callback number, then verify those on their website or their BBB profile before sharing anything. If the amount looks wrong or unfamiliar, demand written debt validation and keep dated notes of every contact. Note: the FDCPA generally protects consumer (personal) debts but not commercial accounts, and phone calls alone don't appear on credit reports - reporting an account as a collection can. If reporting or harassment is occurring, document everything and consider a credit professional or attorney to correct errors.

They primarily go after business-to-business obligations - unpaid invoices, vendor accounts and trade-credit balances owed to companies.

As a commercial collection firm they focus on B2B recoveries and often use a network of attorneys for faster legal remedies; purely consumer-only accounts are uncommon but mixed business/consumer debts can fall to them.

You should verify every claim with a written debt validation, trace the debt to the originating contract or invoice, and dispute promptly if the account looks misclassified - B2B files move to liens or judgments faster than typical consumer collections.

• Unpaid supplier/vendor invoices
• Trade credit and open-account balances
• Commercial lines of credit and business loans
• Past-due merchant-services or vendor chargebacks
• Commercial lease arrears and business utility bills
• Mixed business/consumer debts (rare; verify by validation)

Yes - Davis and Jones LLC is a real Texas collection firm operating as Debt Recovery Resources (registered since 2014), but complaints about aggressive tactics and widespread impersonation mean you should verify every contact before paying.

Check these red flags and verification steps:

• Confirm identity: cross-check company name, address and registration with Texas Secretary of State and the Debt Recovery Resources BBB profile.
• Written validation: a legitimate collector must send written debt details within five days of first contact; you then have 30 days to dispute.
• Illegal tactics: they cannot threaten arrest, use fake caller IDs, or demand payment by wire transfer or gift cards.
• Red flags: insistence on immediate payment, refusal to provide account/creditor info in writing, oddly formatted emails or off-brand phone numbers.
• If suspicious: record call times and scripts, save texts/emails, and verify claims of 'millions recovered' through independent sources to avoid impostors.
• Report: file at ftc.gov and with your state attorney general if you suspect fraud or illegal collection practices.

If you want to block a potential scam or force proof, send a written debt-validation request by certified mail, keep receipts, and refuse phone payments until validation arrives; if the collector breaks FDCPA rules, document everything and contact a consumer attorney or local legal aid for next steps.

Use the company's official contact page first - public listings disagree, so verify before you act.

• Official website & portal: Debt Recovery Resources contact portal.
• Primary mailing address shown on the company site: 3120 Sabre Drive, Suite 280, Southlake, TX 76092.
• Primary toll‑free phone shown on the site: 866‑746‑5389.
• Alternate public listing (found in business directories): 209 W 2nd St Ste 322, Fort Worth, TX 76102‑3021.
• Watch out: 866‑408‑0103 is listed in robocall/spam reports - don't trust incoming numbers without verifying.
  (Company contact page; site listings; business-directory records; robocall reports; BBB listings). (debt-rr.com, mapquest.com, dnb.com, lookup.robokiller.com, bbb.org)

Call or use the portal yourself - don't rely on numbers in texts or voicemail. Verify the entity's registered office with the Texas Secretary of State before paying or signing anything, and always mail disputes or supporting docs by certified mail with return receipt to create a tracked paper trail.

Keep copies, note dates/times of every contact, and consider filing a written debt‑validation request if you're unsure who you're dealing with. (sos.texas.gov)

When dealing with Davis and Jones LLC you're protected by the Fair Debt Collection Practices Act: collectors must treat you fairly, may not harass or misrepresent, may not call before 8 AM or after 9 PM, must stop if you send a written cease‑and‑desist, and must validate the debt if you request it. FDCPA rules mainly cover third‑party collectors on consumer debts, so first confirm the account is a consumer obligation and that Davis and Jones LLC is acting as a debt collector.

Violations that break the law include threats of arrest, saying you'll be sued when they haven't filed suit, adding false fees, repeated abusive calls, and discussing your debt with friends, family, or your employer (except to obtain your location). If Davis and Jones LLC misstates the amount, falsely claims legal action, or contacts unauthorized people, that's a red flag and a potential FDCPA breach.

Record everything. Note dates, times, the caller's name, phone numbers, and exact words. Save voicemails, texts, emails, and certified‑mail receipts. Use those records when you file a complaint with the CFPB, your state attorney general, the FTC, or if you consult an attorney about suing for statutory damages and fees.

To force validation and halt collection until they prove the debt, send a short, written notice by certified mail. Example wording you can copy: "I dispute this debt and request validation. Account number: [insert account #]. Please provide the original creditor, itemized balance, and documentation of your legal authority to collect. Do not contact me except in writing." Keep a mailed proof of receipt and don't accept oral assurances - require paper.

Do this fast: within 30 days of Davis and Jones LLC's first contact, send a certified, return‑receipt letter to 209 W 2nd St Ste 322, Fort Worth, TX 76102 demanding written proof of the debt or that they stop collection.

• Your full name and current address.
• Reference any account or file numbers they used.
• State the date you were first contacted and that this is a debt‑validation request under FDCPA §809 (15 U.S.C. §1692g).
• Demand copies of the original creditor agreement or contract and an itemized payment history.
• Demand the complete chain of assignment/ownership showing how Davis and Jones LLC obtained the debt (include dates, amounts, and signed assignment documents).
• Ask for proof they are licensed to collect (if your state requires licensing).
• Demand a written response and state they must cease collection until validation is provided.
• Send certified mail, keep copies of everything, and keep the return receipt and proof of mailing.

If they don't provide adequate validation, treat it as a red flag for an invalid claim: report the failure at CFPB complaint portal, dispute any credit‑report entry with the bureaus and attach your validation letter, and consider an FDCPA lawsuit or asking an attorney to review chain‑of‑title gaps (those gaps commonly kill assigned‑debt claims). Keep tight records - the paperwork is your power.

Dispute it immediately in writing to Davis and Jones LLC, send proof it isn't yours, and file simultaneous credit-bureau disputes so the entry can be investigated and removed.

Write a clear dispute letter to Davis and Jones LLC demanding debt validation (within 30 days under the FDCPA), state you do not owe the account, request they stop reporting it while the dispute is pending, and send the letter by certified mail with return receipt. Keep copies of everything and note dates. Mention if the item looks like a commercial/business account - that changes how it should be handled.

• Identity-theft affidavit (FTC report) and police report.
• Proof of non‑ownership (business records, different SSN/EIN, formation docs).
• Billing/payment records that contradict the claim.
• Copies of ID/address that show mismatch with their file.
• Notarized declaration or sworn statement saying you didn't authorize the debt.

Simultaneously open disputes with Equifax, Experian and TransUnion online and attach your evidence; if Davis and Jones or the bureaus don't fix it, file a regulator complaint and keep records (start with CFPB debt validation guidance). If they continue to report after you prove it's not yours, escalate to the CFPB or FTC and cite FCRA/FDCPA violations.

If the account is commercial or complex, a professional credit-repair or consumer-attorney can draft stronger dispute/validation and, if necessary, sue for unlawful reporting; always preserve certified-mail receipts, emails, and notes of phone calls as your evidence.

They can try, but federal law sharply limits contact at work, after hours, via social media, and through friends/family.

Under the FDCPA a collector may not call your employer once you tell them calls to your job are inconvenient. They may not call after hours (before 8 AM/after 9 PM your time). They may not use social media to disclose debt details. They may contact third parties through friends/family only to locate you - not to discuss the debt. Document every attempt; FDCPA violations can lead to statutory damages (commonly up to $1,000) plus attorneys' fees.

Do this now: block unknown numbers and restrict messages, save call logs and screenshots, and send a certified cease communication letter asking them to stop; if they continue contacting you at work or after hours, report them and consider legal action. For commercial debts, state law may add different protections, so consult an attorney or your state regulator if the harassment persists.

• Repeated calls or texts, calls before 8am/after 9pm, threats or obscene language, contacting your workplace, friends, or family, public posts on social media, or persistent automated dialing.

Send a short, firm written cease-and-desist by certified mail with return receipt. State the dates/times, phone numbers, account numbers, and that you 'refuse to pay and demand all communication cease pursuant to FDCPA §805(c) (15 U.S.C. §1692c(c)).' Keep a copy and the signed return receipt; mailed notice is complete on receipt. Use official templates like the CFPB sample letters to ensure your language is clear and legal. ([uscode.house.gov](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A1692c+e…), [findlaw.com](https://www.findlaw.com/bankruptcy/before-you-file/sample-cease-communi…), [consumerfinance.gov](https://www.consumerfinance.gov/about-us/blog/debtcollection/?utm_sourc…))

If the collector ignores the letter, file complaints with the CFPB, the FTC (ReportFraud.ftc.gov), and your state attorney general - those agencies can investigate and levy fines. Record everything: call logs, screenshots, voicemails, dates and summaries of conversations. Demand debt validation if you haven't received it (you have 30 days to dispute); if they report to credit bureaus incorrectly, dispute those items with the bureaus and the furnisher. If harassment or violations continue, consider suing under the FDCPA (statutory and actual damages, plus attorney's fees). ([consumerfinance.gov](https://www.consumerfinance.gov/about-us/blog/debtcollection/?utm_sourc…), [jgwentworth.com](https://www.jgwentworth.com/resources/how-file-ftc-complaint-debt-colle…), [law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692k?utm_source=chatgpt.com))

• After you mail: (1) keep the certified-mail receipt and return receipt; (2) submit a CFPB complaint and an FTC report; (3) file a complaint with your state AG or banking regulator; (4) preserve call logs, texts, and voicemails (screenshots & timestamps); (5) dispute any incorrect credit reporting with Equifax/Experian/TransUnion and the furnisher; (6) consult a consumer-rights attorney if violations persist or you want to recover damages. ([consumerfinance.gov](https://www.consumerfinance.gov/about-us/newsroom/the-cfpb-puts-compani…), [jgwentworth.com](https://www.jgwentworth.com/resources/how-file-ftc-complaint-debt-colle…), [nolo.com](https://www.nolo.com/legal-encyclopedia/if-the-credit-reporting-agency-…))

Only when the original contract or state law permits it - otherwise added interest, fees, or charges are not automatically allowed.

A debt collector must be able to show where extra charges come from; federal rules require a clear itemization of the balance, including any interest, fees, payments, and credits, when you request validation. Request that itemized validation immediately and use the validation window to dispute any unauthorized additions. CFPB validation notice rules. ([consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_s…), [law.cornell.edu](https://www.law.cornell.edu/uscode/text/15/1692e?utm_source=chatgpt.com))

State law and your original loan agreement control most fee questions. For example, Texas law expressly forbids collecting interest or incidental charges unless the charge is 'expressly authorized' by the contract or is otherwise legally chargeable, and it treats false statements about added charges as unlawful - meaning unauthorized fees can be challenged and may trigger civil remedies. Read your contract for any fee provisions and check state usury limits if interest looks excessive. ([statutes.capitol.texas.gov](https://statutes.capitol.texas.gov/docs/fi/htm/fi.392.htm?utm_source=ch…))

Practical steps: send a written debt-validation request (certified mail) demanding an itemized ledger and the legal basis for each fee; keep copies. If they can't prove an addition is authorized, dispute the account with the credit bureaus and cite the lack of verification. If you're in Texas, mention Finance Code protections when you dispute. If they continue to misrepresent amounts, you may have FDCPA and state-law claims - consider filing complaints with the CFPB, FTC, and your state attorney general or consult a consumer-attorney.

No - a collector like Davis and Jones LLC can't legally seize your paycheck or lock your bank account without first getting a court judgment and properly serving you with a lawsuit. Courts must grant an order (judgment) before wage garnishment, bank levies, or similar enforcement can happen, and you must be given notice and an opportunity to defend yourself in court; pre-judgment seizures are rare and need specific court authorization.

Certain funds are off-limits: Social Security and many federal benefits are protected from garnishment, and some state laws carve out additional exemptions for wages, retirement, and household assets; in Texas, for example, most consumer wage garnishment is restricted and exemptions are found under Property Code §42. A judgment is what converts an unpaid bill into a collectible court order - without it debt collectors can only demand payment, not enforce seizures.

If you haven't been sued yet, immediately send a written debt-validation request to force proof and slow collection (see how debt validation works), and never ignore a summons - file an answer, assert exemptions, or hire an attorney or legal aid. If you're served, act fast: claim statutory exemptions, ask the court for a hearing, negotiate a stay or payment plan, and keep careful records; these steps usually stop or limit garnishment or levies.

They operate as Davis and Jones LLC (doing business as Debt Recovery Resources), are not BBB‑accredited, and the BBB shows seven complaints in the last three years with an average customer rating of 3.86/5 and a recent shift toward payment‑dispute, aggressive, and unauthorized‑collection issues (see BBB complaints page for Debt Recovery Resources).

• Aggressive practices and harassment claims.
• Allegations of unauthorized or improper collection attempts.
• Poor or inconsistent communication and missed callbacks.
• Recent trend: payment disputes and billing disagreements.
• Mixed reviews: some praise recovery results; several note rudeness.
• Watch for repeating patterns - multiple similar complaints may signal systemic issues.

No major class-action lawsuits or large settlements appear in public federal or FTC records against Davis and Jones LLC; most public activity is isolated consumer complaints (BBB, CFPB) alleging FDCPA issues.

• Check federal dockets directly by using search PACER federal dockets for any cases naming the firm.
• Scan FTC and CFPB enforcement pages and their complaint databases.
• Search state attorney‑general sites and county court records for suits or consent orders.
• Review BBB and CFPB complaint trends for repeated FDCPA or harassment patterns.
• Use legal databases (Westlaw/Lexis) or Google Scholar for judgments or class filings.

An absence of class-action records usually means a lower litigation profile than large national collectors, not that the company is immune to liability; repeated individual FDCPA complaints can still justify counsel seeking joinder or a class if factual patterns align. Preserve chronology, copies of notices, dates and witnesses - those are what attorneys use to assess class potential quickly.

• Save all letters, screenshots, call logs, and certified‑mail receipts.
• File complaints with CFPB and the BBB to create public records of patterns.
• Send a written debt‑validation and cease‑communication request under the FDCPA.
• Consult a consumer‑rights attorney about class‑action viability and joining similar plaintiffs.
• Monitor PACER and your credit reports for new filings or reporting changes.

Act fast: note the exact date you received the notice, preserve the envelope/screenshot, and demand written validation within 30 days.

Open the notice and immediately check for FDCPA-required info: the alleged amount, the original creditor name, the collector's contact, and a clear 30‑day validation/rights statement - if those items are missing it weakens their claim. Read every line. Photograph or scan the whole packet.

If anything looks wrong, dispute it in writing right away and attach proof. Send a short certified‑mail letter (return receipt requested) stating 'I dispute this debt - validate or remove it,' include copies of supporting documents, and keep the receipt. Dispute inaccuracies with evidence.

If the debt is valid and you choose to resolve it, insist on a written settlement that states the exact amount paid and how the account will be reported to credit bureaus before you send money; avoid admitting liability for time‑barred debts and don't make written acknowledgments that restart a statute of limitations. For credit impacts, consider an expert review - credit experts can spot reportable errors you may miss.

Track every call, date, time, and message; if you face harassment, send a written cease‑and‑desist and file complaints with the CFPB and your state attorney general. If Davis and Jones LLC fails to validate, or violates the FDCPA, consult a consumer‑debt attorney about damages and removal options and keep all documentation ready for legal or bureau disputes.

Ignoring collectors or missing payments won't make the problem disappear - it can lead to court action, judgments, and long-term credit damage. Legal and credit consequences can arrive faster than you think.

Collections commonly get reported and can worsen your credit score for 7 years from the original delinquency. If you keep silent you risk a lawsuit, wage garnishment, bank levies, or a judgment that lasts beyond the debt itself. Track the statute of limitations closely (for example, 4 years in Texas for most debts) because even a small payment or written acknowledgment can revive a time‑barred claim.

If you can't pay, act instead of hiding: send a written debt‑validation request, ask for a hardship agreement, propose a realistic payment plan, or negotiate a lump‑sum settlement. Consider nonprofit credit counseling or a bankruptcy consultation before making deals that could restart limitation periods or admit liability.

Always document every contact and get agreements in writing. If you're sued, respond to the summons and show up - losing by default makes things much worse. If unsure, contact free legal aid or a consumer‑protection attorney to protect your rights.

No - cutting a deal can be smart money if you lock down clear, written terms before you pay.

It saves cash and can remove or reduce the negative entry, but it has trade‑offs: settlements often show as 'paid/settled' (which can still dent score), forgiven balances may be reported to the IRS (possible Form 1099‑C), and a verbal promise or partial payment can revive legal exposure in some states. Never rely on a collector's word alone.

Treat negotiation like a contract. Start low (30–50% of the balance), lean on the account's age and any validation gaps, and refuse to pay until you have a signed agreement that limits reporting, bars resale, and releases future claims. Keep all records and check with a tax pro if forgiveness is substantial.

• Open with 30–50% offers; increase slowly if needed.
• Demand a written pay‑for‑delete or 'report as paid in full' agreement.
• Require language preventing resale and future collection on the same debt.
• Request debt validation before negotiating.
• Pay by traceable method and keep receipts/screenshots.
• Ask whether forgiven amounts will be reported; consult a tax advisor.

Yes - a collection agency can sue you for a valid debt within the statute of limitations, but it cannot have you arrested for failing to answer; debt collection is a civil matter, not criminal. If you ignore a summons the court can enter a default judgment against you. After a judgment they may pursue garnishment, bank levies, or liens as allowed by state law. The FDCPA also bans collectors from threatening arrest or using abusive tactics.

Don't ignore court papers - file an answer or a timely motion to avoid a default and buy time to dispute or negotiate. Ask the court clerk about self-help forms, gather proof (letters, payment records), and consider a lawyer if the claim is complex. For federal protections and rules on collection conduct see FDCPA debt collection rules. Document any unlawful threats and report violations to the CFPB or your state attorney general.

Suing under the FDCPA is usually your strongest legal move: you can bring an individual claim in small‑claims court or federal court and must act within one year of the violation.

File the claim seeking any actual losses, up to $1,000 in statutory damages, plus court costs and a reasonable attorney's fee if you win; courts weigh frequency, persistence and intent when setting damages.

Parallel to suing, report the collector to the CFPB and the FTC and notify your state attorney general - those agencies can investigate, force fixes, and use their enforcement power even if you pursue private litigation.

Build your case: keep every letter, text, voicemail and payment record; send disputes and cease‑and‑desist letters by certified mail; record calls only if allowed in your state and note dates/times because collectors' own recordings must be retained under Regulation F for three years. Join consumer forums to find others and watch for class‑action potential if the abuse is widespread.

Yes - in many cases you can avoid paying if the account is invalid, unverified, already time‑barred, or discharged in bankruptcy; otherwise you'll need to dispute, negotiate, or pay to stop collection and repair your credit.

Practical ways to stop paying or force removal:

• Request validation in writing within 30 days (send certified mail, keep the receipt); if Davis and Jones LLC cannot prove the debt, dispute it with the collector and the credit bureaus.
• Check your state's statute of limitations; don't admit liability or make partial payments (those can restart the clock).
• If the debt isn't yours, file a fraud/identity‑theft report, dispute with the CRAs under the FCRA, and demand deletion.
• Negotiate a written settlement or a pay‑for‑delete (get it in writing before paying); be cautious - pay‑for‑delete is not guaranteed.
• Consider bankruptcy (Chapter 7 or 13) for eligible debts - it can discharge many collection accounts; consult a bankruptcy attorney first.
• Use reputable credit‑repair strategies to challenge inaccuracies; avoid any company promising to erase valid debts or charging large up‑front fees.
• Document harassment or illegal practices and file complaints with the CFPB, FTC, and your state attorney general; consult a consumer attorney for FDCPA or FCRA violations.

Next step: pull your credit reports, send a written validation request right away, check the statute of limitations for your state, and if you get sued respond immediately - ignoring court papers risks a default judgment. Breathe - there are legal tools and fixes; act quickly and keep records.

Pick credit repair when the Davis and Jones LLC entry is wrong, unverified, or you suspect FDCPA violations; pay or negotiate directly when the debt is valid and you can get a written settlement that limits future reporting.

Credit repair works by disputing the tradeline with the bureaus and asking Davis and Jones LLC for validation. It can remove items without payment if the collector fails to prove the debt. Paying or settling can stop collection actions and sometimes remove the account only if you secure a written "pay-for-delete" or goodwill agreement. Repair firms often spot reporting or FDCPA errors that DIY disputes miss.

• Credit repair - pros: can remove inaccurate entries without paying; targets reporting errors quickly; professional teams know FDCPA technicalities.
• Credit repair - cons: costs money; not guaranteed for valid debts; some firms overpromise.
• Pay/settle directly - pros: halts collection risk, can avoid lawsuits if you get terms in writing; may clear debt faster.
• Pay/settle directly - cons: payment may not remove the tradeline unless negotiated; partial payments can still hurt your score.
• Hybrid approach - use disputes first for verification, then negotiate a written settlement if debt is validated.

How to choose: first request debt validation in writing. If the collector cannot validate, pursue disputes or a repair service. If they validate and you owe the debt, ask for a written settlement or pay-for-delete before sending money. Check the statute of limitations for your state before paying older debts.

Immediate next steps: send a certified debt-validation letter; file disputes with each credit bureau if reporting seems wrong; save every written promise from Davis and Jones LLC; consider a reputable credit-repair firm only if you need specialized FDCPA or reporting expertise and can verify their track record.