Debt collection email from Steve Jones, Recovery One

This is a very interesting collection email:

From: Steve Jones <>
To: [redacted]
Sent: [redacted]


PO Box 20404
Columbus OH 43220-0404
Telephone: (866) 319-1275 Fax (614) 336-1150

January 31st, 2011


Account Balance:

Account Number: [redacted]

To: [redacted]

[redacted] has contacted this office in connection with its claim against you in the amount shown above. Our client informs us that they have been unsuccessful in its attempts to reach an agreement with you regarding the payment of this balance and the collection of the full amount due.

Your balance of $[redacted] is past due and has been reported to the credit bureau.

Our agency has been authorized to accept payment on behalf of [redacted]. Payment plans are available. We will now settle this matter for 50% off the original balance. If you pay $[redacted], this matter will be removed in its entirety from your credit report. [emphasis added]

It is imperative that you contact this office immediately so necessary arrangements can be made to resolve this matter. To make arrangements to pay this debt, call 866-319-1275 or make your check or money order payable to RECOVERY ONE, for $[redacted] and send it to this office at the address shown above. We also offer free check by phone.

If you prefer not to contact us direct, you may also pay online through our secure website at: We accept credit cards, debit cards and electronic checks. To pay through the website please enter [redacted] as the Recovery One Account Number

MISSING from this initial collection notice is the mini miranda — no mention of the right to dispute, required with the initial collection notice.

And the offer to delete from the credit bureaus is a violation of their agreement with the credit bureaus.  Which makes me think they don’t report to the credit bureaus.  They were not on my client’s reports when he received this notice.  And most collectors wait 30 days after sending the initial letter PRIOR to reporting to the bureaus.

Has anyone seen Recovery One on the credit report?

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