Introduction to Debt Collection Agencies
Debt collection agencies, such as Integral Recoveries, are a crucial part of the financial industry, working on behalf of creditors to recover delinquent debt. These agencies, often referred to as third-party collection agencies, specialize in accounts receivable management services that help businesses, banks, and other creditors reduce operating expenses by outsourcing the debt recovery process. While the primary goal of collection agencies is to recover money owed and improve the financial health of their clients, their methods can sometimes cross the line into debt collection harassment. This can create significant stress and hardship for consumers, especially when agencies like Integral Recoveries use aggressive tactics. As a result, it is important for consumers to understand the role of debt collection agencies, recognize the signs of harassment, and know their rights when dealing with these agencies.
Integral Recoveries Phone Harassment?
Is Integral Recoveries (IR) calling you? Stop Integral Recoveries phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop IR phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
You may also be able to file a claim or complaint against Integral Recoveries for harassment, which could include recovering court costs. Debtors have the right to block harassing calls and protect themselves from fraudulent or deceptive practices by debt collectors. If you believe your rights have been violated, consult a lawyer—legal action can help you achieve justice.
Is Integral Recoveries a Scam?
According to the Better Business Bureau website, Integral Recoveries has been in business for 24 years. There have been 7 complaints filed against IR with the BBB.
Integral Recoveries Better Business Bureau
Who is Integral Recoveries?
Integral Recoveries is third party located in Englewood, Colorado. IR has been a party to a Federal Court case over 15 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Before making any payments or responding to collection attempts, it is important to determine whether the debt is valid and actually owed.
Address: 750 W Hampden Ave Ste 501
Englewood, CO 80110-2166
Phone: (800) 660-8450
Integral Recoveries is often referred to or searched for by other names. These include:
integral recoveries integral recovery colorado integral recoveries inc integral recoveries colorado integral recovery
Integral Recoveries Collection Tactics
Like many debt collection agencies, Integral Recoveries uses a variety of tactics to collect outstanding debts from consumers. These can include persistent phone calls, written notices, and emails aimed at encouraging payment. While these collection efforts are legal when conducted within the boundaries of fair debt collection practices, they can quickly become debt collection harassment if they involve excessive contact, threatening language, or other abusive behaviors. The Fair Debt Collection Practices Act (FDCPA) was established to protect consumers from such unfair practices and to ensure that debt collection agencies, including Integral Recoveries, follow strict guidelines. If you feel overwhelmed by calls or believe your rights are being violated, it is essential to know that you have legal protection and options to stop the harassment. Understanding fair debt collection and your rights under the debt collection practices act can help you respond confidently to any collection agency.
Integral Recoveries Collection Tactics
If Integral Recoveries engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Be sure to keep a detailed record of all communications with the collection agency, and maintain records of calls, letters, and payment history. These records can be crucial for supporting any legal claims or resolving disputes.
Integral Recoveries Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-660-8450, (800) 660-8450, 8006608450
If the answer is yes, then you are receiving calls from a known IR number. You may be a victim of IR phone harassment. Repeated calls from Integral Recoveries may pressure you to pay, and such actions can constitute debt harassment. The list above is not all the numbers that IR uses. The calls can be from a different number and it still be Integral Recoveries calling you. Contact our office right away so we can start the process to stop IR from calling you illegally. Above all, no one should live with harassment!
Credit Report Implications
When a debt is turned over to a collection agency like Integral Recoveries, it can have a lasting impact on your credit report. Debt collection agencies are permitted to report delinquent debt to the major credit bureaus, which can significantly lower your credit score and make it more challenging to secure loans, credit cards, or even housing in the future. It is crucial for consumers to regularly review their credit reports for any inaccuracies or outdated information related to debt collection. If you discover errors or believe that Integral Recoveries or another collection agency has reported incorrect information, you have the right to dispute these items and seek correction. Working with a consumer protection attorney can help you navigate the process and ensure your credit report accurately reflects your financial history. Protecting your credit is an important step in safeguarding your financial future and minimizing the negative effects of debt collection activities.
Common Questions
Is IR a scam? No, Integral Recoveries has been in business for 24 years. Integral Recoveries is a third party collection agency and debt collection agency that operates on behalf of original creditors to recover outstanding debts.
Can Integral Recoveries garnish my wages? Yes, IR can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can IR sue me? Yes, IR can sue you so long as the debt is within the statute of limitations
Can IR report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can IR arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Integral Recoveries in the past and can be found on Pacer.org.
1:11-cv-01193-KLM-CBS Adams v. Integral Recoveries
1:11-cv-00166-RPM-BNB Barry v. Integral Recoveries
4:14-cv-00047-A Rico v. Integral Recoveries
2:06-cv-00222-DAK Taylor v. Integral Recoveries
Many of these complaints involve disputes over payments or errors in payment processing.
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Integral Recoveries harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Integral Recoveries, call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com. For comprehensive information on your rights and protections, be sure to visit our dedicated consumer protection page.
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
https://consumerlawfirmcenter.com/berlin-wheeler-inc-debt-collection-harassment/
https://consumerlawfirmcenter.com/collections-recoveries-of-pleasantville-phone-harassment/
https://consumerlawfirmcenter.com/dyck-oneal-phone-harassment/
https://consumerlawfirmcenter.com/cardarelli-and-associates-phone-harassment/
https://consumerlawfirmcenter.com/improved-data-services-phone-harassment/
https://consumerlawfirmcenter.com/hilco-receivables-phone-harassment/
https://consumerlawfirmcenter.com/h-r-accounts-phone-harassment/
https://consumerlawfirmcenter.com/capio-partners-phone-harassment/
https://consumerlawfirmcenter.com/harvard-collection-services-phone-harassment/
https://consumerlawfirmcenter.com/evergreen-professional-recoveries-inc-phone-harassment/
