Independent Recovery Resources


Is Independent Recovery Resources hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Independent Recovery Resources?

Independent Recovery Resources, Inc. (IRR) is a debt collection agency based in Patchogue, New York. If you find IRR listed on your credit report, it generally indicates that a debt you owe has been transferred to this agency for collection. This typically occurs when a bill remains unpaid, and the original creditor has chosen to outsource the collection process to a specialized agency.

Who does Independent Recovery Resources collect for?

As a full-service collection agency, Independent Recovery Resources collects for companies across various industries. This means they may manage debt recovery for entities such as banks, credit card companies, healthcare providers, utilities, and more.

Their broad range of services allows them to handle many types of debts, from consumer to commercial, and tailor their approach to meet the specific needs of their clients.

Is Independent Recovery Resources legit or a scam?

Independent Recovery Resources, Inc. is a legitimate debt collection company. However, their debt recovery process may involve frequent calls, texts, or emails, which some people may perceive as intrusive or spammy.

How can I remove Independent Recovery Resources from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Independent Recovery Resources (IRR) Contact Information


Independent Recovery Resources, Inc.
24 Railroad Ave
Patchogue, NY 11772

Phone number: (877) 593-4574 or (631) 758-3443

Should I contact or pay Independent Recovery Resources?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Independent Recovery Resources is to work with a credit repair professional. They have deleted millions of negative items from debt collectors like Independent Recovery Resources on behalf of their clients.

Will Independent Recovery Resources sue me or garnish my wages?

Like many debt collection agencies, Independent Recovery Resources does have the legal right to sue for unpaid debts. This is generally a last resort due to the time, cost, and resources involved.

If they decide to sue and they win a judgment against you, they could potentially garnish your wages, but this depends on the laws in your state.

Independent Recovery Resources, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Independent Recovery Resources, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Independent Recovery Resources to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Independent Recovery Resources cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Independent Recovery Resources must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Independent Recovery Resources cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Independent Recovery Resources From Your Credit Report Today!

Credit Saint can help you dispute Independent Recovery Resources collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.