Who is 11th Hour Recovery?
11th Hour Recovery is a debt collection agency that specializes in specialize in repossessions and private property impounding. They’re located in Ham Lake, Minnesota. You may see them listed on your credit report as a collections account. This can happen when you forget to pay a bill.
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 can also help you remove other inaccurate information such as inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, liens, and bankruptcies from your credit report.
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?
Nothing good can come from speaking to a collection agency on the phone. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re sure that it’s legit.
The best way to go about dealing with 11th Hour Recovery is to work with a professional credit repair service. They have deleted millions of negative items from companies like 11th Hour Recovery for millions of clients nationwide.
And they can 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 will help you dispute the collection account and possibly remove it from your credit report. It’s also quite possible that you may 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 negative items from your credit report that will significantly improve your credit scores.
Some states allow wage garnishment, while others do not. It is important to note that 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.
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.
How Collections Affect Your Credit
Missed payments over several months will cause a hit to your credit score. With a collection account on your credit report, it will reduce your ability to qualify for new credit even more.
Debt collectors often buy and sell debt from one another, so this can lead to multiple collections showing on your credit reports for the same account.
When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.
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 collection agency both orally and in writing.
- 11th Hour Recovery cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
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 help you with collection accounts and repair your credit, we highly recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
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