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Financial Recovery Services, Inc. mailing address

To mail a letter to Financial Recovery Services, Inc. (FRS), send it to Financial Recovery Services, Inc., Suite 100, 1345 Mendota Heights Road, Mendota Heights, MN 55120. Financial Recovery Services, Inc. (FRS) is a third-party collection agency, operating since the 1990s, that collects consumer accounts on behalf of creditors. This address is for written correspondence — most commonly a debt-validation/dispute request or a letter asking to be contacted only in writing. Include your account or reference number and keep a copy of what you send, and confirm the address on the company's own site or your most recent letter from them before anything time-sensitive.

Financial Recovery Services, Inc. — correspondence address

Financial Recovery Services, Inc.
Suite 100
1345 Mendota Heights Road
Mendota Heights MN  55120

Written debt-validation/dispute requests and cease-contact letters. This is the company’s correspondence address, not necessarily the PO box printed on a payment coupon.

Verified September 2026bbb.org

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Your return address

Financial Recovery Services, Inc.1345 Mendota Heights RoadMendota Heights, MN 55120

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Key facts

  • This is FRS's published correspondence address, verified against its own site or an independent business register.
  • Financial Recovery Services, Inc. (FRS) is a third-party collection agency, operating since the 1990s, that collects consumer accounts on behalf of creditors.
  • Under the FDCPA, if you send a written request within 30 days of the collector’s first contact, it must stop collection activity until it mails you verification of the debt.
  • The FDCPA also lets you demand in writing that a collector stop contacting you altogether (it may still confirm receipt or notify you of specific legal action).
  • Use a trackable mail service and keep a copy — the date you sent a letter can matter for your rights.
  • PostPal prints your letter and mails it for you — no printer, envelope, stamps, or post office trip.

How to send your letter

  1. 1

    Decide what your letter is for

    Common reasons to write to FRS: requesting written validation/verification of a debt you don’t recognize or dispute, or asking in writing that they contact you only by mail. Say clearly which one this is.

  2. 2

    Include the details they need

    Include your full name, the account or reference number from their letter (if you have one), and your current address. If you’re disputing the debt, say specifically what you’re disputing.

  3. 3

    Address it to the correspondence office

    First line: Financial Recovery Services, Inc.. Next: Suite 100. Then the street: 1345 Mendota Heights Road. Then: Mendota Heights MN 55120.

  4. 4

    Send it — ideally trackable — and keep a copy

    Consider certified mail / a tracked service and keep a copy of the letter and proof of mailing, since the date you sent it can matter for your rights under the applicable law.

  5. 5

    Send it with PostPal

    Write or upload your letter to PostPal with the address above prefilled. We print it, add your return address, and mail it for you — no printer, envelope, stamps, or trip to the post office.

Common questions

What is Financial Recovery Services, Inc.?

Financial Recovery Services, Inc. (FRS) is a third-party collection agency, operating since the 1990s, that collects consumer accounts on behalf of creditors. The address above is its correspondence address — where to mail a written validation/dispute request or a cease-contact letter, not a place to show up in person.

What is the Financial Recovery Services, Inc. mailing address?

Financial Recovery Services, Inc., Suite 100, 1345 Mendota Heights Road, Mendota Heights, MN 55120. Confirm it on the company's own site or the letter they sent you before mailing anything time-sensitive, since collectors do relocate.

How do I ask FRS to verify or validate a debt?

Write a short letter stating you're requesting validation/verification of the debt referenced in their letter, including the account or reference number, and send it to the address above. Under the FDCPA, if you send a written request within 30 days of the collector’s first contact, it must stop collection activity until it mails you verification of the debt. Keep a copy and proof of mailing.

Can I tell FRS to stop contacting me by phone?

The FDCPA also lets you demand in writing that a collector stop contacting you altogether (it may still confirm receipt or notify you of specific legal action). Put your request in writing and send it to the address above so there’s a clear record of when you asked.

Does writing to FRS make the debt go away?

No — a validation request or cease-contact letter doesn't cancel a debt; it exercises your right to written confirmation and to control how you're contacted. If you believe the debt isn't yours or is inaccurate, say so specifically in your letter. For guidance on your rights, see the Consumer Financial Protection Bureau (consumerfinance.gov) or your state attorney general.

How do I mail Financial Recovery Services, Inc. a letter without a printer?

Write or upload your letter to PostPal with the address prefilled. We print it, add your return address, and mail it for you — no printer, stamps, or post office trip needed.

Sources

Addresses verified September 2026 against official sources. Always confirm on the official site before time-sensitive filings.

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