Independent Recovery Resources

Is Independent Recovery Resources hurting your credit score?

Schedule a complimentary credit consultation to find out how you can 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 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.

(While debt collectors may not want this information to be 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 work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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?

It’s best to avoid speaking to a debt collector 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 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

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). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Independent Recovery Resources, Inc.

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Independent Recovery Resources may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Independent Recovery Resources 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.
  • Independent Recovery Resources cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Independent Recovery Resources From Your Credit Report Today!

Credit Saint can assist you in disputing Independent Recovery Resources collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

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