Who is International Recovery Associates?
International Recovery Associates, Inc. is a debt collection agency located in Nesconset, New York.
You may see them listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does International Recovery Associates collect for?
International Recovery Associates is a full-service collection agency that specializes in collecting debts for healthcare providers.
Is International Recovery Associates legit or a scam?
International Recovery Associates is a legitimate company. However, they may repeatedly spam call, text, or email you.
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.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional credit repair company that helps people fix their credit.
In addition to collections, Lexington Law helps you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
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?
It’s best to avoid speaking to a collection agency 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 International Recovery Associates is to work with a credit repair professional. They delete millions of negative items every year from companies like International Recovery Associates on behalf of their clients.
And they may be able to help you too.
Will International Recovery Associates sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They help you dispute the collection account with the credit bureaus and possibly remove it from your credit report. It’s also quite possible that you will never hear from or have to deal with International Recovery Associates again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove derogatory marks from your credit history that will significantly improve your credit scores.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for International Recovery Associates to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Who does International Recovery Associates collect for?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
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). Lexington Law knows that you have rights, and International Recovery Associates does too.
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 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 International Recovery Associates to report inaccurate or incomplete information on your credit report.
- 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.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell International Recovery Associates it’s your policy to deal with everything in writing. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease & desist letter.
Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.
In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you intend to record, and they keep talking, consider it permission. They will usually hang up.
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collector is illegal if you owe them. However, bank account and credit card information should be kept private.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make International Recovery Associates go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove International Recovery Associates From Your Credit Report Today!
Lexington Law specializes in disputing International Recovery Associates accounts. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable company to assist you with collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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