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 are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
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.
(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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
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
Phone number: (760) 929-6685
Should I contact or pay Pinnacle Recovery, Inc.?
It’s best to avoid speaking to a debt collector 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 Pinnacle Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like Pinnacle Recovery, Inc. on behalf of their clients.
Will Pinnacle Recovery, Inc. 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 aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with Pinnacle Recovery, Inc. again.
Wage Garnishment
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 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). 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 Pinnacle Recovery, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Pinnacle Recovery 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.
- 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 debt collection agency both orally and in writing.
- Pinnacle Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Pinnacle Recovery From Your Credit Report Today!
Lexington Law can assist you in disputing Pinnacle Recovery accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
