Who is Stellar Recovery, Inc.?
Stellar Recovery, Inc. was a third-party debt collection agency based in Jacksonville, Florida. While they are no longer in business, it’s possible that you may still see them listed on your credit report as a collections account. This occurs when you have an outstanding bill that was not paid and got transferred to them for collection.
Who does Stellar Recovery, Inc. collect for?
Stellar Recovery, Inc. specialized in collecting debts on behalf of telecommunication companies, such as Comcast. These companies would enlist Stellar Recovery, Inc.’s services to recover unpaid bills from their customers.
Is Stellar Recovery, Inc. legit or a scam?
Stellar Recovery, Inc. 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 Stellar 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?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Professional credit repair services work with people who want to get their credit back on track.
In addition to collections, they can help 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.
Stellar Recovery, Inc. Contact Information
Stellar Recovery, Inc.
4500 Salisbury Rd #105
Jacksonville, FL 32216
Phone number: (904) 438-2500
Should I contact or pay Stellar Recovery, Inc.?
Nothing good can come from speaking to a third-party collection agency 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 Stellar Recovery, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Stellar Recovery, Inc. on behalf of their clients.
Will Stellar Recovery, Inc. sue me or garnish my wages?
As Stellar Recovery, Inc. is no longer in business, their ability to take legal actions, such as filing lawsuits or pursuing wage garnishment, is limited. However, it’s important to understand that the original creditor or another debt collection agency may still pursue such actions if the debt remains unpaid.
Stellar 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 a debt collector is harassing you, you may want to 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 Stellar 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 debt collector 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 Stellar 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.
- Stellar Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Stellar 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.
- Stellar Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Stellar Recovery, Inc. From Your Credit Report Today!
Credit Saint can assist you in disputing Stellar Recovery, Inc. accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.
- 11 Charter Communications
- Aargon Agency, Inc.
- Ad Astra Recovery Services
- Afni Collections
- Account Resolution Services
- CACH LLC
- Capio Partners
- Cavalry Portfolio Services
- Cavalry SPV I LLC
- CBE Group
- CCS Offices
- CMRE Financial Services
- Commonwealth Financial Systems
- Convergent Outsourcing
- Credence Resource Management
- Credit Collection Services
- Diversified Consultants
- Dynamic Recovery Solutions
- Enhanced Recovery Company
- EOS CCA
- GC Services
- Global Credit and Collection Corp
- Harris & Harris
- Healthcare Revenue Recovery Group
- Hunter Warfield
- IC System
- IQ Data International
- Jefferson Capital Systems
- LVNV Funding LLC
- McCarthy, Burgess & Wolff
- Midland Credit Management
- MiraMed Revenue Group
- MRS Associates
- MRS BPO LLC
- National Credit Systems
- Nationwide Recovery Service
- Northland Group
- Penn Credit
- Phoenix Financial Services
- PMAB LLC
- Portfolio Recovery Associates
- Reliant Capital Solutions
- Revenue Group
- Southwest Credit Systems
- Sprint Collections
- Transworld Systems
- USCB America
- Verizon Collections
- Wakefield and Associates