International Recovery Associates


Is International Recovery Associates hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is International Recovery Associates?

International Recovery Associates, Inc. (IRA) is a debt collection agency based in Nesconset, New York. They provide services to businesses seeking assistance in recovering debts that they have been unable to collect independently.

If International Recovery Associates appears on your credit report, it indicates that a debt you owe has been transferred to this agency for collection. This commonly occurs when a bill has not been paid, and the original creditor has decided to outsource the collection process.

Who does International Recovery Associates collect for?

International Recovery Associates specializes in collecting debts for healthcare providers. This can encompass a wide range of entities within the healthcare sector, including hospitals, private practices, clinics, and other medical service providers.

Their role is to assist these healthcare providers in retrieving unpaid bills for medical services, which could include anything from routine check-ups to surgical procedures.

Is International Recovery Associates legit or a scam?

International Recovery Associates is a legitimate company. However, their methods may involve repeated calls, texts, or emails in an attempt to collect the debt, which can sometimes be seen as spam or overly persistent.

How can I remove International Recovery Associates 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.

International Recovery Associates Contact Information


International Recovery Associates, Inc.
195 Smithtown Blvd.
Nesconset, NY 11767

Phone number: (631) 361-3500

Should I contact or pay International Recovery Associates?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with International Recovery Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like International Recovery Associates on behalf of their clients.

Will International Recovery Associates sue me or garnish my wages?

International Recovery Associates, like many debt collection agencies, has the legal authority to sue for unpaid debts. However, this action is typically considered a last resort due to the associated time, cost, and resources. If they do decide to sue and they win a judgment against you, depending on the laws in your state, they could potentially garnish your wages to recover the debt.

International Recovery Associates 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 International Recovery Associates

International Recovery Associates must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 International Recovery Associates 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.
  • International Recovery Associates may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • International Recovery Associates 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.
  • International Recovery Associates cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove International Recovery Associates From Your Credit Report Today!

Credit Saint can assist you in disputing International Recovery Associates 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.

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Meet the author

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