Who is International Recovery Associates?
International Recovery Associates, Inc. (IRA) is a debt collection agency based in Nesconset, New York. They provide services to businesses seeking assistance in recovering debts that they have been unable to collect independently.
If International Recovery Associates appears on your credit report, it indicates that a debt you owe has been transferred to this agency for collection. This commonly occurs when a bill has not been paid, and the original creditor has decided to outsource the collection process.
Who does International Recovery Associates collect for?
International Recovery Associates specializes in collecting debts for healthcare providers. This can encompass a wide range of entities within the healthcare sector, including hospitals, private practices, clinics, and other medical service providers.
Their role is to assist these healthcare providers in retrieving unpaid bills for medical services, which could include anything from routine check-ups to surgical procedures.
Is International Recovery Associates legit or a scam?
International Recovery Associates is a legitimate company. However, their methods may involve repeated calls, texts, or emails in an attempt to collect the debt, which can sometimes be seen as spam or overly persistent.
How can I remove International Recovery Associates from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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International Recovery Associates Contact Information
Address:
International Recovery Associates, Inc.
195 Smithtown Blvd.
Nesconset, NY 11767
Phone number: (631) 361-3500
Should I contact or pay International Recovery Associates?
Before contacting a 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 Credit reports can contain errors or list debts that are no longer valid.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 International Recovery Associates is to work with a credit repair professional. They help remove millions of negative items every year from companies like International Recovery Associates on behalf of their clients.
Will International Recovery Associates sue me or garnish my wages?
International Recovery Associates, like many debt collection agencies, has the legal authority to sue for unpaid debts. However, this action is typically considered a last resort due to the associated time, cost, and resources. If they do decide to sue and they win a judgment against you, depending on the laws in your state, they could potentially garnish your wages to recover the debt.
International Recovery Associates 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 International Recovery Associates
International Recovery Associates must abide by state and federal laws in the United States. 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 International Recovery Associates 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.
- International Recovery Associates cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- International Recovery Associates 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.
- International Recovery Associates cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove International Recovery Associates From Your Credit Report Today!
Credit Saint offers assistance with disputing International Recovery Associates accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
