Who is 11th Hour Recovery?
11th Hour Recovery is a debt collection agency located in Ham Lake, Minnesota.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does 11th Hour Recovery collect for?
11th Hour Recovery specializes in repossessions and private property impounding.
Is 11th Hour Recovery legit or a scam?
11th Hour Recovery is a legitimate company. However, they may repeatedly spam call, text, or email you.
How can I remove 11th Hour Recovery from my credit report?
Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law helps you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
11th Hour Recovery Contact Information
11th Hour Recovery, Inc.
1305 159th Ave NE
Ham Lake, MN 55304
Phone number: (612) 615-8697
Should I contact or pay 11th Hour Recovery?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with 11th Hour Recovery is to work with a credit repair professional. They delete millions of negative items every year from companies like 11th Hour Recovery on behalf of their clients.
And they may be able to help you too.
Will 11th Hour Recovery sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also possible that you never hear from or have to deal with 11th Hour Recovery again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove derogatory marks from your credit history that will significantly improve your credit scores.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for collection agencies to threaten to garnish your wages.
It is also illegal for 11th Hour Recovery to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is 11th Hour Recovery hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
11th Hour Recovery Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and 11th Hour Recovery does too.
Your Rights When Dealing with 11th Hour Recovery
There are strict regulations about what collection agencies can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for 11th Hour Recovery to report inaccurate or incomplete information on your credit report.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- 11th Hour Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- 11th Hour Recovery must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- 11th Hour Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove 11th Hour Recovery From Your Credit Report Today!
Lexington Law specializes in disputing 11th Hour Recovery collection accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to assist you with collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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