Who is Interstate Recovery Service?
nterstate Recovery Service, Inc. is a debt collection agency based in Virginia Beach, Virginia. Their role is to work on behalf of creditors to recover outstanding debts from consumers.
If you find Interstate Recovery Service listed on your credit report as a collections account, it likely means you have an unpaid debt which the original creditor has assigned or sold to this agency for collection.
Who does Interstate Recovery Service collect for?
Interstate Recovery Service specializes in collecting debts for various industries, including magazine subscription services. They act on behalf of these companies to recover money owed by consumers. They might also collect for other types of businesses that have been unable to collect past due accounts receivable.
Is Interstate Recovery Service legit or a scam?
Interstate Recovery Service, Inc. is a legitimate company. However, they might use persistent contact methods, such as repeated phone calls, text messages, or emails, to encourage payment. While these methods can be annoying or distressing, they do not necessarily indicate a scam.
How can I remove Interstate Recovery Service 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.)
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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.
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Interstate Recovery Service, Inc. Contact Information
Interstate Recovery Service, Inc.
236 Mustang Trl
Virginia Beach, VA 23452-7517
Interstate Recovery Service, Inc.
P.O. Box 8125
Virginia Beach, VA 23450
Phone number: (800) 664-4946
Should I contact or pay Interstate Recovery Service?
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 Interstate Recovery Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like Interstate Recovery Service on behalf of their clients.
Will Interstate Recovery Service sue me or garnish my wages?
Interstate Recovery Service does have the legal right to sue you over an unpaid debt. If they choose to take legal action and win the lawsuit, they may be granted a court judgment. This judgment could potentially allow them to garnish your wages or levy your bank account to satisfy the debt.
Wage garnishment is a legal procedure whereby a portion of a person’s earnings is withheld by an employer for the payment of a debt. This can only occur if a court order is in place. The specifics of wage garnishment, such as the maximum amount that can be garnished, vary based on federal and state laws and the type of debt involved.
However, it’s important to remember that suing a debtor is generally considered a last resort due to the costs and time involved. Many debt collection agencies prefer to negotiate a payment plan or a settlement with the debtor before resorting to such measures.
Interstate Recovery Service 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 Interstate Recovery Service
Debt collectors 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, the FDCPA provides you with many rights to ensure that a debt collector doesn’t take advantage of you. In particular:
- It is a violation of federal law for Interstate Recovery Service 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.
- Interstate Recovery Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Interstate Recovery Service 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.
- Interstate Recovery Service cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Interstate Recovery Service From Your Credit Report Today!
Credit Saint can assist you in disputing Interstate Recovery Service 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.
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Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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