🚨Spire Recovery Solutions Phone Harassment?
Are you receiving debt collection calls from SRS? No one wants to receive the first call of the day from Spire Recovery Solutions or any other debt collector. Debt collectors are agencies that collect debts on behalf of creditors who originally own the debts. If the collection agency calls you your account may have been sent to them. Read on to learn more about Spire Recovery Solutions phone harassment.
Spire Collection may be calling you because your original creditor has given them the task of recovering what you owe them.
If you get a call from Spire Recovery don’t panic instead go through your records to confirm if the debt is yours. You can ask the debt collector to send you a debt validation letter to prove you owe money. This is especially important when dealing with spire recovery solutions claims as it makes them prove the debt. You also have the right under the FDCPA to ask the debt collector for information like their name, address and the entity they represent.
Plastic calls from Spire Recovery Solutions can affect individuals and their family members especially those who live in rural areas. These calls can be intrusive and stressful and not just the person in debt but also their loved ones who may be contacted despite having no direct connection to the financial issues at hand.
Once you have confirmed the debt is yours you should start looking for ways to pay up the debt. If you can’t pay the full debt now you can negotiate with your debt collector **.
Call us now at 877-700-5790 to tackle Spire Recovery Solutions phone harassment you may have experienced during Spire Recovery debt collection or to negotiate a payment plan for you. Under the FDCPA the offending debt collection agency is responsible for our attorney fees and you could receive statutory damages from $100 to $1000.00. Don’t let debt collectors stress you out call us now.
🔍Who are Debt Collectors?
In life people go through tough times where they can’t pay their bills. Whether it be sickness, death of a loved one, divorce, job loss or just mismanaged finances. When this happens their delinquent account may get sent to collection agencies. Consumers have rights when it comes to debt collection but those rights depend on who is contacting you and why they are contacting you.
A debt collector is any person or company who uses any mode of communication; mail, or phone, in order to attempt to collect the debt of another. It’s important to note that debt collectors collect debt for others and not themselves. This is why you may owe a creditor and start getting calls from a stranger about that debt.
This means your credit card company, your bank, your mortgage company or your auto loan company are not debt collectors and the FDCPA does not apply to them.
A debt collector collects debts for other people. They can call you, email you and report your debt to the credit bureaus. However they must follow fair debt collection practices as outlined by the FDCPA and be transparent and professional in their collection processes. They must also provide necessary account documents to verify the debt being collected.
📢Debt Collection Harassment and FDCPA Violations
Getting harassed by debt collectors who are trying to collect a debt you owe is a violation of federal laws and your consumer rights. Below are examples of the common scams that debt collectors use to harass consumers and the laws that govern them but which they often ignore.
Most debt collectors commit at least one violation of the law during the first phone call they make to a consumer. Many consumers are however unaware when their rights are being violated because they are not aware of the FDCPA laws and the protections it affords them. Many debt collectors continue to commit many violations during the collection process and still get away with it because many consumers are ignorant.
Spire Recovery Solutions debt collection doesn’t have to be torture for you. Below are the behaviors that are prohibited by the FDCPA and thus a violation of your rights:
1. Harassment in debt collection: Federal law provides a non-exhaustive list of what is considered debt collection harassment. Examples include: an excessive amount of daily phone calls to harass or annoy alleged debtors, their family and friends, unsolicited calls at the consumer’s place of employment, calls at inconvenient times of day and using social media networks like Facebook to publish the names of delinquent debtors and shame them. Unsolicited robocalls (especially for advertising) is also prohibited and a debt collector cannot lie to you, mislead you or speak to you in a belittling, embarrassing, argumentative or rude manner. If during Spire Recovery Solutions’ debt collection you experience this, you may have a case against them.
2. Calling you to collect debts that are Not Owed: No third-party debt collector (and this includes banks, mortgage companies, collection agencies or other financial institutions) can try to collect an amount of money that is not owed or an amount of money that is more than is owed. This includes posting checks that were sent in on time late so as to make a profit by incurring the penalty of late fees for the debtor even if they paid on time. Spire collections cannot add miscellaneous costs and penalties that are not part of the principal or interest of the debt.
3. Threats to scare you into payment: Debt collectors (mostly debt collection scammers) will try to create a false sense of urgency to scare you into paying a debt that you most likely haven’t even confirmed is yours through threats, all to make a profit. This usually involves using unscrupulous methods like telling you that legal action that they can’t take will be taken, an arrest will be made, criminal prosecution will be pursued, you will be sent to jail, your property (cars, homes, furniture) will be repossessed, your wages will be garnished and they will ruin your credit. Such threats are debt collection harassment and debt collection harassment is unethical and a violation of your FDCPA rights. You should never have to tolerate, let alone, allow yourself to be bothered by such threats. Violations by debt collectors can work in your favor.
4. Calls to your place of employment after they have been told to stop: Any calls to your place of employment (especially if you have not given consent to receive calls) is a violation of the law. Spire Collections can try to engage in unethical practices such as speaking with your co-worker or employer, calling your cell phone and leaving messages about the debt details.
5. Contacting unauthorized third parties to shame you into repayment: Spire group is not allowed to talk to anyone about your debt without your express permission. Any individual (family members, neighbors, friends, employer, co-worker) of the debtor is unauthorized to know about the alleged debt. Third-party contact is only allowed if it’s to locate the debtor where they have changed their contact address or phone number. Spire group is also not allowed to discuss debt details during this communication.
6. Failure to send a written Notice: Debt collectors are required by law to send the debtor a written notice stating the amount of the debt, the creditor to whom the debt is owed and information on how to dispute the debt. Failure to do this (especially if you have requested one) is a violation of your FDCPA rights.
7. Cease and Desist letter: You have the right to send Spire financial a cease and desist letter and any contact with you must stop immediately after they receive your “cease and desist” letter stating you no longer want to be contacted by them. There is no specific language required to create a cease and desist letter but having an attorney draft and send one on your behalf may be more effective.
8. No “Mini-Miranda”: In the initial contact, the debt collector must identify themselves to the consumer. Failure to do this is a violation of the FDCPA.
📝Spire Recovery Solutions Reviews and Reputation
Spire Recovery Solutions has a mixed reputation among consumers. On one hand, the company has an A+ rating on the Better Business Bureau (BBB) website, indicating high customer satisfaction. However, some consumers have reported negative experiences, saying the company uses aggressive collection tactics and is difficult to resolve disputes.
Clifton Gibson is the Chief Compliance Officer and Joseph Torriere is the President of Spire Recovery Solutions, so they are the ones who ensure the company is in compliance with industry standards.
On Google Reviews, Spire Recovery Solutions has a 4.7 out of 5 stars rating, based on hundreds of reviews. Many reviewers praise the company’s professionalism and helpfulness while others complain about the collection process.
Note that Spire Recovery Solutions is a legitimate debt collection company, not a scam. The company is licensed and regulated and a member of industry associations like ACA International. This means they follow industry standards and regulations.
💢What can I do if I think Spire Recovery broke the law?
If you think Spire Recovery Solutions has broken the law in their communication with you, you can file a complaint with the FTC, CFPB or your state’s attorney general’s office. Taking action against Spire Recovery Solutions is key to protect your rights and stop the illegal practices.
Besides filing Spire Recovery Solutions complaints with these agencies, you can get in touch with an attorney who will represent you when you sue Spire Recovery in a state or federal court. You should also acknowledge the receipt of customer complaints and provide supporting documents for your case.
Note that for a lawsuit against Spire Recovery Solutions to be valid, it must be filed within one year of the FDCPA violation.
If you can prove the behavior of the debt collector resulted in actual damages, those damages will be assessed and you will be reimbursed. If you can’t prove the behavior of the debt collector resulted in actual damages, you don’t have to worry; you will still get $1000 in statutory damages, plus your attorney’s fees and other costs. But this doesn’t mean you won’t owe the debt anymore.
If you have received several harassing calls from a known Spire Recovery Solutions phone number and need a lawyer to help you press charges, you’re in the right place. Just reach out to an A+ rated lawyer at (877)700-57900).
Having Spire Recovery Solutions on your credit report can seriously damage your credit score. A debt collection agency like Spire Recovery Solutions on your credit report hurt your creditworthiness making it harder to get loans or good interest rates.
🔎How Can I Negotiate With a Debt Collector?
Piling up debts or ignoring the ones you already have is to your disadvantage; it hurts your credit report, the debt grows over time due to interest rate and debt collectors will keep contacting you. Don’t hide from your debts because it never really goes away. If you can’t pay what you owe in full, negotiating with your debt collector is an option. If done right and you can negotiate a Spire Recovery Solutions payment agreement, you may be able to avoid bankruptcy, pay less than what you owe or pay in installments. Individuals can negotiate with debt collectors to get a more manageable payment plan. Important steps to take include understanding your rights under the Fair Debt Collection Practices Act, documenting all interactions, seeking professional legal help and sending a Debt Validation Letter.
To negotiate with debt collectors, do the following:
- Confirm the debt is yours: You don’t want to pay a debt that’s not yours. So check your records to confirm the debt being spoken of. You can also request a debt validation.
- Know your rights: Knowing your rights gives you the courage to negotiate properly and sensibly. Debt collectors have years of experience and knowledge, so approaching them in fear and ignorance won’t get you a good deal. Some of your rights as a consumer state that debt collectors shouldn’t harass or threaten you; they shouldn’t call at odd hours and they shouldn’t lie to you.
- Know the debt collector: Every debt collector wants to get as much money as possible from you. Keep that in mind as you bargain. Your debt collector may not agree to you paying less than what you owe but you can work out a favorable payment plan.
- Consider the type of debt you owe: Different debts require different strategies and processes. Your options for negotiation vary depending on the type of debt you owe. Options for student debt are different from options for a medical loan and so on.
- Keep your emotions in check: Don’t get angry or drunk. Talk calm and cool.
- Agree on how you want your debt to be reported to credit bureaus.
- Put your agreement in writing: Whatever agreement you and the debt collector agree on, make it official by putting it in writing.
- If you don’t know the name of the collection agency that’s calling you than feel free to visit our list of collection agencies List of Collection Agencies in United States Consumer Rights Law Firm PLLC (consumerlawfirmcenter.com).
🔎Who is Spire Recovery Solutions?
Spire Recovery Solutions is a third party debt collector based in Lockport, New York. If you have outstanding debts, you can contact the Spire Recovery team to assist with your accounts. They claim to be compliant with debt collection regulations.
📞Contact Information
330 South Transit St
Lockport, NY 14094
Spire Recovery Solutions is also located at 57 Canal Street, Suite 302, Lockport, NY.
Phone: (844) 332-7052
⚠️Is Spire Recovery Solutions a Scam?
According to the Better Business Bureau website, Spire Recovery Solutions has been in business for 5 years. There have been 9 complaints filed against SRS with the BBB by dissatisfied consumers. read more about it here: Spire Recovery SolutionsA Better Business Bureau
📲Spire Recovery Solutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
844-332-7052, 855-631-4330, 844-332-7052, 855-631-4330, 844-332-7052, 855-631-4330, 469-489-5621, 855-764-8971, 844-978-0072, 844-332-7052, 855-227-8028, 469-812-8633, 469-908-3243, 1-385-449-6304, 469-253-7950, 1-469-489-5621, 469-824-9869, 855-227-8028, 469-812-8633, 469-908-3243, 1-309-455-4598, 469-527-2372, 855-227-8028, 833-937-3381,855-807-4729, 876-599-0575, 844-335-1473, 844-947-2697, 844-952-7367, 844-978-0072, 855-764-8971, 219-220-8813,
If yes, then you are receiving calls from a known SRS number. You may be a victim of Spire Recovery Solutions phone harassment. Call us now on 877-700-5790
💼About Us
Consumer Law Rights Firm PLLC is a law firm that helps clients who are being harassed by debt collectors. If you think your debt collection rights are being violated, contact our office to start the process to stop the harassment you are receiving from Spire Recovery Solutions. Our office has been helping consumers since 2010 and we have an A+ rating with the Better Business Bureau.
📜Spire Recovery Solutions Debt Collection Practices
Spire Recovery Solutions is a debt collection agency that collects consumer and commercial debts. The company uses various methods to collect debts, including phone calls, letters and emails. The chief compliance officer plays a key role in ensuring these practices comply with regulatory standards and address consumer feedback and complaints.
Spire Recovery Solutions shows its commitment to compliance and consumer concerns by being transparent and respectful throughout the debt collection process.
According to the Fair Debt Collection Practices Act (FDCPA), debt collectors are not allowed to harass, intimidate and deceive. SRS must comply with these regulations and their collection methods must be fair and respectful. Consumers can report any violations to the authorities and protect their rights against unfair debt collection practices.
🏷️How Spire Recovery Solutions Collects Debt
Spire Recovery Solutions collects debt on behalf of third party creditors. Typically the company buys debts from creditors who are unable to collect the debts themselves and then tries to collect the debts from consumers.
The company’s collection process starts with a series of letters and phone calls to the consumer. If the consumer doesn’t respond or doesn’t pay the debt, Spire Recovery Solutions may escalate their efforts by reporting the debt to credit bureaus or even filing a lawsuit. This structured approach is to collect the owed amount while following legal and ethical standards.
💡How to Verify a Debt with a Debt Collector
Verifying a debt with a debt collector is an important step to make sure you are not being scammed or harassed by a debt collection agency. Here are the steps to verify a debt with a debt collector:
Get a Debt Validation Letter: A debt validation letter is a document that provides detailed information about the debt, including the amount owed, the creditor and the account number. You can request a debt validation letter from the debt collector and they must provide it to you within five days of receiving your request. This letter is key in confirming the debt and the actual company trying to collect it.
Check the Debt Collector’s Credentials: Make sure the debt collector is a real company and not a scammer. You can check their credentials by searching online, checking the Better Business Bureau or contacting your state’s Attorney General’s office. This step ensures you are dealing with a reputable debt collection agency that has provided necessary documentation.
Verify the Debt with the Original Creditor: If you are unsure about the debt or the debt collector, you can contact the original creditor to verify the debt. They can provide you with information about the debt, including the amount owed and the account number. This verification confirms the debt has been transferred to the collection agency fairly.
Check Your Credit Report: You can also check your credit report to see if the debt is listed. If it is, you can contact the credit reporting agency to verify the debt and make sure it’s accurate. Monitoring your credit report regularly can keep you informed about any debts that have been reported.
By following these steps you can verify a debt with a debt collector and not be scammed or harassed. This process protects consumers from fraudulent collection activities and ensures any debts being pursued are legitimate.
🛑Stopping Harassment from Debt Collectors
Debt collectors can be aggressive and harassing but there are steps you can take to stop the harassment. Here are some tips:
- Know Your Rights: The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from being abusive, harassing or deceptive. Know your rights under the FDCPA and assert them if necessary. Understanding fair debt collection practices can empower you to stand up to unethical behavior.
- Send a Cease and Desist Letter: If you are being harassed by a debt collector you can send a cease and desist letter to stop the harassment. The letter should state you want the debt collector to stop calling you and you will report them to the authorities if they continue to harass you. This formal request will halt unwanted communication and give you some peace of mind.
- Block the Debt Collector’s Number: You can block the debt collector’s number on your phone to prevent them from calling you. This simple step will reduce the frequency of harassing calls and give you some relief from constant interruptions.
- Report the Debt Collector: If the debt collector continues to harass you you can report them to the Federal Trade Commission (FTC) or your state’s Attorney General’s office. Reporting unethical behavior helps protect consumers and holds debt collectors accountable for their actions. Don’t hesitate to report harassment to the authorities.
By taking these steps you can stop harassment from debt collectors and protect your rights. Remember you have legal protections in place to shield you from unfair debt collection practices.
⚖️Fair Debt Collection Practices (FDCPA)
📋FDCPA and Your Rights
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair, deceptive and abusive practices by debt collectors. Under the FDCPA debt collectors are prohibited from engaging in any behavior that harasses, oppresses or abuses any person in connection with the collection of a debt. Some key provisions of the FDCPA include:
- No Contact at Inconvenient Times or Places: Debt collectors cannot contact you at unusual times or places, such as before 8am or after 9pm unless you agree to it.
- No Abusive or Harassing Language: Debt collectors cannot use threats, obscene language or repeatedly call you to annoy or harass you.
- Require Debt Verification: Debt collectors must provide you with a debt validation letter that includes the amount of the debt, the name of the creditor and your rights under the FDCPA. This must be sent within five days of their initial contact with you.
- No False or Misleading Statements: Debt collectors cannot lie about the amount you owe, claim to be attorneys if they are not or threaten legal action they cannot take.
- Written Notice of Debt: Debt collectors must send you a written notice of the debt and your rights to dispute it within five days of their first contact.
Consumers have the right to request that debt collectors stop calling them and debt collectors must comply. Consumers can also dispute the debt and request verification. If a debt collector violates the FDCPA consumers may be entitled to compensation and other remedies. Knowing your rights under the FDCPA can help you stand up to unfair debt collection practices and protect yourself from harassment.
📂Spire Recovery Solutions and Your Credit Report
Spire Recovery Solutions may report debts to the credit bureaus which can negatively impact a consumer’s credit score. However the company must verify the debt and ensure its accuracy before reporting it to the credit bureaus.
Consumers can dispute debts with SRS. The company must investigate and respond to disputes in a timely manner and it’s important to check the status of these disputes regularly. If a dispute is resolved in the consumer’s favor Spire Recovery Solutions may have to remove the debt from the consumer’s credit report thereby mitigating any negative impact on the credit score.
🧾How Spire Recovery Solutions Affects Your Credit Score
Spire Recovery Solutions can affect a consumer’s credit score in several ways. Reporting a debt to the credit bureaus can negatively affect the consumer’s credit score. However if the consumer pays the debt or successfully disputes it the result may be the removal of the debt from the credit report and potentially improve the credit score.
Remember SRS is not responsible for determining a consumer’s credit score. Their role is to collect debts on behalf of third-party creditors while the credit bureaus calculate credit scores based on various factors including payment history, credit utilization and credit age.
📉Resolving Your Debt
Resolving your debt can be a daunting task but there are steps you can take to resolve your debt and move forward. Here are some tips:
- Communicate with the Debt Collector: If you are being contacted by a debt collector communicate with them to resolve the debt. You can negotiate a payment plan or settle the debt for less than the full amount. Communicating can lead to a mutually agreeable solution and help you avoid further collection efforts.
- Get Professional Help: If you can’t resolve your debt seek professional help from a credit counselor or debt management company. They can help you create a plan to resolve your debt and improve your credit score. Professional guidance can give you the tools and strategies to manage your debt effectively. Many people have been helped by professional services to resolve their debt issues.
- Debt Settlement: Debt settlement is a process where you negotiate with the creditor to settle the debt for less than the full amount. This can be a good option if you can’t pay the full amount. Debt settlement can help you reduce your debt burden and get financial relief.
- File for Bankruptcy: If you can’t resolve your debt you may need to file for bankruptcy. This can give you a fresh start and let you move forward. While bankruptcy has severe consequences it can be an option for those with unmanageable debt.
By doing these you can resolve your debt and move forward. Addressing your debt proactively can help you get back in control of your financial situation and over
