Spire Recovery Solutions Phone Harassment?
Are you experiencing debt collection harassment from Spire Recovery Solutions?
No one wants the first call they receive in the morning to be a call from a debt collector. Debt collectors are agencies who collect debts on behalf of creditors who originally own the debts.
If you get a call from a debt collector that you do not recognize, it is most likely because your original creditor has given that agency the task of recovering what you owe them.
If you get a call from Spire Recovery, do not panic, instead, go through your records to confirm if the debt is actually yours. You could ask the debt collector to send you a debt validation letter to prove that the debt is yours. You also have the right under the FDCPA to ask the debt collector for information like their name, address, and the entity they represent.
After you must have ascertained that the debt belongs to you, it is advisable that you begin to seek ways to pay up the debt. If you are unable to pay up the full debt at the moment, you may want to consider negotiating with Spire Recovery.
Types of Debt Collection Harassment and FDCPA Violations
Getting harassed by debt collectors who are attempting to collect on a debt that you owe is a violation of federal laws and your consumer rights. Contained in the following paragraphs are examples of common scams that many debt collectors use to harass consumers, as well as legal regulations that are outlined for them but which they often fail to follow anyways.
Typically, debt collectors commit at least one violation of the law during the first phone call that they make to a consumer. Many consumers are, however unaware of this because they are oblivious to the FDCPA laws and the protections that it affords them. Many debt collectors still proceed to commit many violations during the course of the collection process, and they still get away with it due to the ignorance that plagues many consumers.
Listed below are behaviors that are prohibited by the FDCPA and thus amount to a violation of your rights:
1. Harassment in the process of debt collection: Federal legislation provides a non-exhaustive list of examples regarding what is considered debt collection harassment. Common examples include an excessive amount of daily phone calls intended 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 the use of social media networks such as Facebook to publish the names of delinquent debtors and shame them. The use of unsolicited robocalls (especially for the purpose of advertisement) is also prohibited, and a debt collector is further not allowed to lie to you, mislead you, or speak to you in a belittling, embarrassing, argumentative, or rude manner.
2. Calling you to attempt collecting Debts that are Not Owed: No third-party debt collector (and this includes banks, mortgage companies, collection agencies, or other financial institutions) is permitted by law to attempt to collect an amount of money that is not owed or an amount of money that is more than is owed. This includes the nasty habit of posting checks that were sent in on time late so as to turn a profit by incurring the penalty of late fees for the debtor even if they have paid on time. A debt collector is not allowed to add miscellaneous costs and penalties that are not part of the principal or interest of the debt.
3. Issuing threats to scare the consumer into payment: Debt collectors (commonly debt collection scammers) will usually try to create a false sense of urgency that scares the consumer into the payment of a debt that they most likely have not even confirmed is theirs through the use of threats, all in attempts to turn a profit. This usually involves the use of certain unscrupulous methods like suggesting that legal action that they are not permitted to take will be taken, an arrest will be made, criminal prosecution will be pursued, you will be sent to jail and your property (such as your cars, homes, and furniture) will be repossessed, your wages will be garnished, and they will ruin your credit. Such threats are considered as 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 get bothered by such threats.
4. Calls made to your place of employment especially after they have been advised to desist from such behavior: Any calls that are placed to your place of employment (especially if you have not given you consent to receive such calls) are a violation of the law. A debt collector can try to engage in unethical practices such as trying to speak with your co-worker or employer, calling your cell phone during, and leaving revealing messages regarding the sensitive details of the debt.
5. Contacting unauthorized third parties in a bid to shame you into repayment: Debt collectors are not allowed to speak to any party about your debt without getting your express permission first. Any individual (such as family members, neighbors, friends, employers, or co-workers) of the debtor is unauthorized to know about the alleged debt. Third-party contact is only permissible if it is in an attempt to locate the debtor in a situation where they have changed their contact address or phone number. The debt collector is also not allowed to discuss details about the debt during this communication.
7. 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 regarding how the consumer may dispute the debt. Thee failure to do this (especially if you have requested for one) amounts to a violation of your FDCPA rights.
8. A Cease and Desist letter: It is within your right to send a debt collector a cease and desist letter, and any and all communication with the debtor must immediately stop once they have received your “cease and desist” letter stating that you no longer wish to be contacted by them. There is no specific language required to create a cease and desist letter, however, getting an attorney to construct and send one on your behalf may prove to be more effective.
9. No “Mini-Miranda”: In the initial communication, the debt collector is required to identify themselves as such to the debtor. The failure to do this amounts to a violation of the FDCPA laws.
10. Contacting a consumer after being notified that they are now represented by an attorney: Once a debt collection agency has received word that the debtor is now being represented by an attorney, all communication with the debtor is expected to stop and be directed to their attorney from that point henceforth. Bypassing a consumer’s attorney is a violation of their FDCPA rights.
How can I effectively negotiate with a debt collector?
Accumulating debts or ignoring the ones you already have is to your disadvantage; it has bad effects on your credit report, the debt grows over time due to interest rate and debt collectors will keep contacting you.
It is wise not to shy away from your debts because it never really goes away. If you are having a hard time paying what you owe in full, negotiating with your debt collector is a good option. If negotiation is done the right way, you may be able to avoid bankruptcy, pay less than what you owe, or get to pay in favorable installments.
To negotiate effectively with debt collectors, you should do the following:
- Confirm that the debt is yours: You do not want to pay a debt that does not belong to you. Hence, it is necessary that you check your records to confirm the debt being spoken of. You could also make a debt validation request.
- Understand your rights: Knowing your rights gives you the confidence to negotiate properly and sensibly. Debt collectors have years of experience and knowledge, thus, approaching them in fear and ignorance may not give you a good deal. Some of your rights as a consumer stipulate that debt collectors should not harass or threaten you, they should not call at odd hours and they should not lie to you.
- Understand the debt collector: Every debt collector seeks 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 lower than you owe, but you should be able to work out a favorable repayment plan.
- Regard the kind of debt you owe: Different debts require different strategies and processes. Your choices for negotiation varies depending on the kind of debt you owe. The choices for student debt vary from the options for a medical loan and so on.
- Keep your emotions under control: Avoid getting angry or sober. Speak with calm and ease.
- Agree on how you want your debt to be reported to credit bureaus.
- Let your agreement be in written form: Whatever agreement you and the debt collector arrive at, make it official by putting it in writing.
Who is Spire Recovery Solutions?
Spire Recovery Solutions is a third-party debt collector located in Lockport, New York.
Address: 330 South Transit St
Lockport, NY 14094
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 Solutions 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, 8443327052, 8556314330
If the answer is yes, then you are receiving calls from a known SRS number. You may be a victim of SRS phone harassment. Call us now on 877-700-5790,
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Spire Recovery Solutions. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.
Call us at (877)700-5790 for immediate assistance.
Check out the links below for more information: