Who Called From 240-849-5109?
Short answer: 240-849-5109 is a number used by TRS Recovery Services (TRS), a third-party collection agency based in Houston, TX — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1157511-dca on file, address of record in sugar land, tx. They are almost certainly trying to collect a debt, most often returned-check debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 240-849-5109?
The number 240-849-5109 is used by TRS Recovery Services (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1157511-dca on file, address of record in sugar land, tx), a third-party collection agency in Houston, TX. For the full company profile — ownership, history, and known aliases — see our complete TRS Recovery Services guide. This page focuses on the calls coming from 240-849-5109 specifically.
About this specific number
- 📞 Number: 240-849-5109 (area code 240, ending in 5109)
- 📍 Line type: Direct-dial — resolves to the 240 area code.
- 🏢 Operator: TRS Recovery Services, a third-party collection agency in Houston, TX.
- 🔢 Related lines: TRS Recovery Services is documented using 1 number in our directory, so calls may also come from other digits.
240-849-5109 is a direct-dial number tied to the 240 area code, which is why the call may have appeared "local" on your caller ID even though TRS Recovery Services operates out of Houston, TX.
Some carriers display 240-849-5109 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from TRS Recovery Services.
On your caller ID, in voicemails, or in letters, this company can also appear as: TRS, TeleCheck Recovery, TRS Recovery Services Inc.
Why Is TRS Calling Me From 240-849-5109?
In our directory, 240-849-5109 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 1157511-dca on file, address of record in sugar land, tx for TRS Recovery Services, which typically collects returned-check debt, bank / ach balances, retail accounts. A call from 240-849-5109 usually happens because:
- ✅ An original account (a returned-check debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with TRS Recovery Services to collect on behalf of the original creditor.
- ✅ TRS Recovery Services is now dialing you from 240-849-5109 and possibly other lines to reach a resolution.
Calls from 240-849-5109 often come right after a billing cycle closes. Some people report that 240-849-5109 calls once and hangs up, then tries again from a different TRS Recovery Services line hours later. A single missed call is not proof of a valid debt. When 240-849-5109 shows up on your caller ID, it is worth checking whether the TRS Recovery Services account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make TRS Recovery Services prove the returned-check debt in writing first.
Important: a phone call — even from a real number like 240-849-5109 — does not prove you owe the debt, that the amount is correct, or that TRS Recovery Services can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 240-849-5109
Anything you say to TRS can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 240-849-5109 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from TRS Recovery Services.
Don't agree to a payment on the spot
A single payment to TRS Recovery Services — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 240-849-5109.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 240-849-5109. Any legitimate TRS Recovery Services resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 240-849-5109 caller. If it truly is your TRS Recovery Services account, they should already have what they need and must prove it.
What To Do If 240-849-5109 Keeps Calling
Here are concrete next steps for this specific TRS Recovery Services line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 240-849-5109 as a contact labeled "TRS Recovery Services — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 240-849-5109 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that TRS Recovery Services identify the original creditor behind the 240-849-5109 calls and the date the debt was opened.
Your Rights When TRS Calls From 240-849-5109
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send TRS a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If TRS Recovery Services reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 240-849-5109: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that TRS Recovery Services stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, TRS generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars TRS from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 240-849-5109
We investigate the specific TRS Recovery Services account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the TRS account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to TRS Recovery Services. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
240-849-5109 — Frequently Asked Questions
Who is calling me from 240-849-5109?
240-849-5109 is a direct-dial line associated with TRS Recovery Services (also seen as TRS), a third-party collection agency headquartered in Houston, TX and operating since 1990. The number resolves to the 240 area code. If you received a call from 240-849-5109 — often showing the last four digits 5109 on your screen — it is very likely TRS Recovery Services attempting to reach you about a debt they say you owe, most often returned-check debt, bank / ach balances, retail accounts.
Is 240-849-5109 a scam number?
TRS Recovery Services is a real, registered company, and 240-849-5109 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like TRS, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 240-849-5109?
You are not legally required to answer 240-849-5109 or call TRS Recovery Services back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, TRS Recovery Services must pause collection until it mails you proof of the debt.
Why is TRS Recovery Services calling me about returned-check debt?
A call from 240-849-5109 usually means an original returned-check debt went unpaid and was placed with TRS Recovery Services, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop TRS Recovery Services from calling 240-849-5109?
Yes. The FDCPA lets you send a written cease-and-desist demand telling TRS Recovery Services to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 240-849-5109 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt TRS Recovery Services is calling about?
Do not pay anything based on a call from 240-849-5109 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
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