Who is Pinnacle Recovery, Inc.?
Pinnacle Recovery, Inc. or Pinnacle Recovery Services is a debt collection agency located in Carlsbad, CA.
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 Pinnacle Recovery collect for?
Pinnacle Recovery specializes in timeshare/vacation and delinquent mortgage loan and maintenance fee collections.
Is Pinnacle Recovery legit or a scam?
Pinnacle Recovery is a legitimate company. They were most likely assigned your debt (or bought your debt) from one of the companies they work with. However, just because they are legit, doesn’t mean you actually owe them anything. Keep reading to learn more.
How can I remove Pinnacle Recovery 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 will help 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
Pinnacle Recovery Contact Information
Address:
Pinnacle Recovery, Inc.
2774 Gateway Rd
Carlsbad, CA 92009
Mailing address:
Pinnacle Recovery, Inc.
P.O. Box 130848
Carlsbad, CA 92013-0848
Website: http://pinnaclerecovery.com
Phone number: (760) 929-6685
Should I contact or pay Pinnacle Recovery, Inc.?
Nothing good can come from speaking to a debt collector on the phone. And making payments on the debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like Pinnacle Recovery, Inc. for millions of clients nationwide.
And they may be able to help you too.
Will Pinnacle Recovery, Inc. sue me or garnish my wages?
In their attempt to collect a debt, a collection agency may resort to litigation. However, if you work with a law firm like Lexington Law, you have nothing to worry about. They will 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 Pinnacle Recovery, Inc. again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Wage Garnishment
Some states allow wage garnishment, while others do not. It is important to note that 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 Pinnacle Recovery to make any claims they cannot or will not follow through on—this includes threatening to sue you or foreclose on your home.
Pinnacle Recovery, 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 you find yourself facing any of these situations with a collection agency, 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). Lexington Law knows that you have rights, and Pinnacle Recovery, Inc. does too.
Your Rights When Dealing with Pinnacle Recovery, Inc.
There are strict regulations about what a collection agency can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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.
- Pinnacle Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Pinnacle Recovery must be honest about who they are and what they are attempting to do. They must notify you that they are a collection agency both orally and in writing.
- Pinnacle Recovery cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Remove Pinnacle Recovery From Your Credit Report Today!
Lexington Law specializes in disputing Pinnacle Recovery 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 help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.
