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 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.)
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Stellar Recovery, Inc. Contact Information
Address:
Stellar Recovery, Inc.
4500 Salisbury Rd #105
Jacksonville, FL 32216
Phone number: (904) 438-2500
Should I contact or pay Stellar Recovery, Inc.?
Before contacting a third-party collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 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
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Stellar 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 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Stellar Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Stellar 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.
- Stellar Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Stellar Recovery, Inc. From Your Credit Report Today!
Credit Saint can help you dispute Stellar Recovery, Inc. 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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