Who is Integral Recoveries?
Integral Recoveries, Inc. is a third-party debt collection agency based in Englewood, Colorado. Their role involves working on behalf of various organizations to collect debts owed by individuals or businesses.
These debts often come about due to unpaid bills or other financial obligations. If Integral Recoveries is listed on your credit report as a collections account, this signifies that they are currently attempting to collect a debt you owe.
Who does Integral Recoveries collect for?
Integral Recoveries serves a wide range of industries, focusing on collecting debts for government agencies, healthcare providers, institutions of higher education, financial service companies, retail and commercial businesses, and utilities.
Is Integral Recoveries legit or a scam?
Integral Recoveries is a legitimate and well-established company. However, their practices can seem intrusive or overwhelming as they may frequently call, text, or email you in their attempt to recover the debt.
How can I remove Integral Recoveries from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Integral Recoveries, Inc. Contact Information
Address:
Integral Recoveries
333 W Hampden Ave Ste 650
Englewood, CO 80110
Phone number: (800) 660-8450
Should I contact or pay Integral Recoveries, Inc.?
Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 Integral Recoveries is to work with a credit repair professional. They help remove millions of negative items every year from companies like Integral Recoveries, Inc. on behalf of their clients.
Will Integral Recoveries, Inc. sue me or garnish my wages?
Like any debt collection agency, Integral Recoveries, Inc. is entitled to sue you for an unpaid debt. If they choose to pursue this course of action and successfully obtain a judgment against you in court, they may potentially be able to garnish your wages or levy your bank account, depending on the laws in your specific state.
However, it’s important to note that litigation is often a last resort for collection agencies. It is a time-consuming and costly process, so these agencies are usually open to negotiating a payment plan or settling the debt for less than the full amount owed before choosing to go to court.
Integral Recoveries, Inc. Complaints
Many collection agencies have numerous complaints filed 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 you are being harassed by Integral Recoveries, you should also 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 Integral Recoveries
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 Integral Recoveries 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.
- Integral Recoveries cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Integral Recoveries 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.
- Integral Recoveries cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Integral Recoveries From Your Credit Report Today!
Credit Saint offers assistance with disputing Integral Recoveries collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
