If you’ve spotted Recovery Partners, LLC on your credit report, it usually means you have a collection account tied to an unpaid debt. Here’s what you need to know and how to get it removed.
Who Is Recovery Partners, LLC?
Recovery Partners, LLC is a legitimate debt collection agency based in Scottsdale, Arizona. They work with companies across different industries to recover unpaid debts, including insurance providers like Farmers Insurance.
If their name shows up on your credit report, it means they’ve been assigned to collect a debt tied to your name.
Is Recovery Partners a Scam?
Recovery Partners is not a scam. They are an authorized third-party debt collector. That said, always verify the debt before making payments. Collection accounts can be inaccurate or even fraudulent, so it’s smart to double-check.
How to Remove Recovery Partners From Your Credit Report
Collection accounts can damage your credit score for up to seven years. But that doesn’t mean you’re stuck with it. Here are your options:
- Dispute errors: If the account is incorrect, file a dispute with the credit bureaus to have it removed.
- Request debt validation: You can ask Recovery Partners to prove the debt is valid and belongs to you.
- Negotiate a pay-for-delete: Some agencies will agree to remove the account if you settle the debt, but get any agreement in writing.
- Work with a credit repair service: Professionals can help challenge negative items on your credit report, saving you time and frustration.
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Should You Contact or Pay Recovery Partners?
Before reaching out or making payments, confirm the debt is legitimate and being reported accurately. In some cases, paying an old collection can reset the clock on how long it stays on your credit report, so proceed carefully.
Many people choose to work with credit repair companies to avoid dealing directly with collectors like Recovery Partners.
Can Recovery Partners Sue or Garnish Your Wages?
Debt collectors have the legal right to sue over unpaid debts. If they win a lawsuit, they may be able to garnish your wages, depending on your state’s laws.
That said, lawsuits are typically a last resort. Most collection agencies prefer to negotiate a settlement or payment plan instead of going to court.
Recovery Partners, LLC Contact Information
Address:
Recovery Partners, LLC
4151 N Marshall Way, Ste 12
Scottsdale, AZ 85251
Phone: (480) 747-9888
Complaints Against Recovery Partners, LLC
Like many debt collectors, Recovery Partners has complaints filed with the Consumer Financial Protection Bureau and Better Business Bureau. Common complaints include:
- Inaccurate information on credit reports
- Harassing phone calls
- Failure to verify debts
If you believe your rights are being violated, you can submit a complaint to the CFPB or the BBB.
Know Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors:
- Debt collectors cannot report false or incomplete information.
- You can request debt validation within 30 days of first contact.
- They cannot harass, threaten, or use abusive language.
- They must clearly state they are a debt collection agency.
- They cannot threaten arrest over unpaid debts.
Get Recovery Partners Removed From Your Credit Report
If you’re struggling to deal with collection accounts, professional help is available. Credit Saint has over 15 years of experience helping people dispute inaccurate items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
Want to take the stress out of the process? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.