Who is Stern Recovery Services?
Stern Recovery Services, Inc. (SRS) is a debt collection agency based in Greensboro, North Carolina. Their primary role is to recover unpaid debts on behalf of their clients.
If you see Stern Recovery Services listed on your credit report as a collections account, it means that you have an unpaid debt that has been transferred to them for collection.
Who does Stern Recovery Services collect for?
Stern Recovery Services specializes in medical debt collections. They work primarily with healthcare providers such as hospitals, clinics, and other medical facilities.
Is Stern Recovery Services legit or a scam?
Stern Recovery Services 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 Stern Recovery Services 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.)
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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.
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Stern Recovery Services, Inc. Contact Information
Stern Recovery Services, Inc.
1102 Grecade Street
Greensboro, NC 27408
Phone number: (800) 455-0260 or (336) 272-0800
Should I contact or pay Stern Recovery Services?
It’s best to avoid speaking to a 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 Stern Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Stern Recovery Services on behalf of their clients.
Will Stern Recovery Services sue me or garnish my wages?
Stern Recovery Services, like any debt collection agency, is entitled to sue you for an unpaid debt. If they win the lawsuit, the court may grant them a judgment that allows them to garnish your wages or levy your bank account to recover the debt. However, this is typically a last resort and happens only after multiple attempts to collect the debt in other ways have failed.
Stern Recovery Services, 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 you find yourself facing any of these situations with Stern Recovery Services, 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Stern Recovery Services, 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 Stern Recovery Services 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.
- Stern Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Stern Recovery Services 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.
- Stern Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Stern Recovery Services From Your Credit Report Today!
Credit Saint can assist you in disputing Stern Recovery Services collections. 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.
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