How to Remove Stellar Recovery, Inc. From Your Credit Report

Updated

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If you see Stellar Recovery, Inc. on your credit report, you might be wondering what it means and how to get it removed. Even though this collection agency is no longer in business, their name can still show up and damage your credit score.

Here’s how to handle it.

Who Was Stellar Recovery, Inc.?

Stellar Recovery, Inc. was a debt collection agency based in Jacksonville, Florida. They collected unpaid debts on behalf of other companies.

Although they are no longer operating, some consumers still find old collection accounts with their name reported on their credit reports.

Who Did Stellar Recovery, Inc. Collect For?

Stellar Recovery, Inc. primarily collected debts for telecommunications companies, including major providers like Comcast.

If you had an unpaid bill with one of these companies, it may have been sent to Stellar Recovery, Inc. for collection.

Is Stellar Recovery, Inc. Legitimate?

Yes, Stellar Recovery, Inc. was a legitimate debt collection agency. They were authorized to collect debts for other businesses. However, even with closed agencies, it’s important to verify any debt before making payments.

Collection accounts can remain on your credit report even after a company goes out of business.

How to Remove Stellar Recovery, Inc. From Your Credit Report

Collection accounts can hurt your credit score for up to seven years, but there are ways to try to remove them sooner:

  • Dispute the Account: If the account is inaccurate, outdated, or incomplete, file a dispute with the credit bureaus. You can handle this yourself or work with a credit repair company.
  • Negotiate a Pay-for-Delete: If the debt is valid, you may still be able to negotiate with the current debt owner to have the account removed from your credit report in exchange for payment. Always get any agreement in writing.
  • Work With a Credit Repair Service: Professional credit repair companies know how to challenge collection accounts, even those tied to agencies no longer in business.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay Stellar Recovery, Inc.?

Since Stellar Recovery, Inc. is no longer in business, you may not be able to contact them directly. However, the debt may have been sold or transferred to another collection agency.

Before making any payments:

  • Verify who currently owns the debt.
  • Confirm the amount is accurate.
  • Know that making a payment could restart the statute of limitations in some states.

Many consumers prefer to work with credit repair experts to help with this process.

Can Stellar Recovery, Inc. Sue You or Garnish Wages?

Stellar Recovery, Inc. is no longer operating, so they cannot take legal action against you. But if your debt was transferred to another collection agency, that agency may have the right to pursue legal options.

This could include:

  • Wage garnishment
  • Bank account levies
  • Property liens

These actions depend on state laws and usually happen only after other collection attempts fail.

Complaints About Stellar Recovery, Inc.

Like many collection agencies, Stellar Recovery, Inc. received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints included:

  • Incorrect information reported to credit bureaus
  • Harassment or aggressive collection tactics
  • Failure to verify debts properly

If you believe your rights have been violated, you can file a complaint with the CFPB or BBB.

Your Rights When Dealing With Collection Agencies

Even if Stellar Recovery, Inc. is no longer in business, you still have rights under federal law, including:

  • Debt Validation: You can request proof that a debt is valid. Send a written debt validation letter to the agency currently handling the account.
  • No Harassment: Debt collectors cannot harass you, use abusive language, or make threats.
  • Clear Communication: Agencies must identify themselves as debt collectors and explain your rights.
  • No Arrest Threats: Collectors cannot threaten you with arrest over unpaid debts.

Knowing your rights helps you protect your credit and avoid unfair treatment.

Stellar Recovery, Inc. Contact Information (Historical)

Address:
Stellar Recovery, Inc.
4500 Salisbury Rd, Suite 105
Jacksonville, FL 32216

Phone Number: (904) 438-2500

Since they are no longer operating, this contact information is for reference only. Any current collections tied to Stellar Recovery, Inc. may be managed by a different agency.

Need Help Removing Stellar Recovery, Inc. From Your Credit Report?

If old collection accounts from Stellar Recovery, Inc. are hurting your credit, a credit repair company can help. Credit Saint has been assisting clients with challenging negative items for over 15 years. They even offer a 90-day money-back guarantee for peace of mind.

Ready to clean up your credit? Visit their website or call (855) 281-1510 to learn more.

Brooke Banks
Meet the author

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.