Pinnacle Recovery


Is Pinnacle Recovery hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Pinnacle Recovery, Inc.?

Pinnacle Recovery, Inc., also known as Pinnacle Recovery Services, is a recognized debt collection agency based in Carlsbad, California. Their primary role is to assist creditors in recouping unpaid debts.

If Pinnacle Recovery appears on your credit report, it generally indicates that you have an outstanding bill that has been transferred to collections.

Who does Pinnacle Recovery collect for?

Pinnacle Recovery primarily serves companies in the timeshare and real estate industries, assisting in the recovery of overdue payments from customers who have not been able to keep up with their obligations.

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 stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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


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.?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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?

Pinnacle Recovery, Inc. has the legal right to sue for an unpaid debt. If they opt to sue and are successful in court, they may then have the capability to garnish your wages or levy your bank account, in accordance with the laws of your state.

However, it’s important to note that suing is usually seen as a last resort due to the expense and length of the process.

Pinnacle Recovery, Inc. Complaints

Many collection agencies have numerous complaints filed 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Pinnacle Recovery, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Pinnacle Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Pinnacle Recovery must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Pinnacle Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Pinnacle Recovery From Your Credit Report Today!

Credit Saint can help you dispute Pinnacle Recovery accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.