If Elevate Recoveries shows up on your credit report, it likely means they’re trying to collect a debt. Collections can hurt your credit score and stay on your report for years—but there are ways to deal with it and possibly have it removed.
Who Is Elevate Recoveries?
Elevate Recoveries, LLC is a debt collection agency based in Sherman, Texas. They collect unpaid debts on behalf of their clients, often working with companies in the healthcare industry.
If you see Elevate Recoveries on your credit report, they are trying to collect a debt they believe you owe.
Who Does Elevate Recoveries Collect For?
Elevate Recoveries specializes in collecting medical debt. Their clients often include:
- Hospitals
- Clinics
- Medical facilities
- Other healthcare providers
If you’ve had unpaid medical bills, Elevate Recoveries may be attempting to collect on those accounts.
Is Elevate Recoveries a Legitimate Company?
Yes, Elevate Recoveries is a real debt collection agency. They are legally allowed to collect debts for other companies.
That said, errors happen. Always verify any debt they contact you about before agreeing to pay.
How to Remove Elevate Recoveries From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you may have options to get them removed.
Here’s how to handle it:
- Dispute inaccuracies: Check your credit report for incorrect information like wrong balances or accounts that don’t belong to you. Dispute those errors with the credit bureaus.
- Request debt validation: Send a written request asking Elevate Recoveries to prove the debt is yours and that the amount is correct. If they can’t, they must stop reporting it.
- Negotiate a pay-for-delete: Offer to settle the debt if they agree to remove the account from your credit report. Always get this agreement in writing.
- Work with a credit repair company: Experts can help dispute inaccurate collections and work with agencies like Elevate Recoveries on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Elevate Recoveries?
Be careful before making payments on a collection account. Paying can reset the statute of limitations, which may make it easier for them to sue you. It could also hurt your credit if the account is old or reported incorrectly.
Verify that the debt is valid, accurate, and legally collectible before deciding to settle or dispute it.
Can Elevate Recoveries Sue You or Garnish Wages?
Yes, Elevate Recoveries has the right to sue you for unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
Laws vary by state, and lawsuits are typically a last resort after other collection attempts fail.
Complaints Against Elevate Recoveries
Like many debt collectors, Elevate Recoveries has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate reporting to the credit bureaus
- Harassment or repeated calls
- Failure to provide debt verification when requested
If you believe your rights are being violated, file a complaint with the appropriate agency.
Your Rights When Dealing With Elevate Recoveries
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) protect you from abusive collection tactics. Here’s what those laws cover:
- Elevate Recoveries cannot report false or incomplete information about you.
- You have the right to request written debt validation within 30 days of first being contacted.
- They cannot harass, threaten, or repeatedly call you.
- They must clearly identify themselves as a debt collector in writing and verbally.
- They cannot threaten arrest or jail for unpaid debts.
If they break these rules, you can dispute the account or file complaints.
Elevate Recoveries Contact Information
Here’s how to contact Elevate Recoveries to verify information or send correspondence:
Mailing Address:
Elevate Recoveries, LLC
PO Box 910009
Sherman, TX 75091
Physical Address:
Elevate Recoveries, LLC
1930 N Grand Ave
Sherman, TX 75090
Phone Number:
(214) 473-5060
Remove Elevate Recoveries From Your Credit Report Today
Dealing with collections can feel overwhelming, but you don’t have to handle it alone. Credit Saint has over 15 years of experience helping people challenge negative items like Elevate Recoveries.
They work with the credit bureaus on your behalf to dispute inaccurate collections and improve your credit. They even offer a 90-day money-back guarantee, so there’s no risk in seeing how they can help.
Ready to take the next step? Visit their website or call (855) 281-1510 for more information.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
