Are You Being Harassed By Spire Recovery Solutions?

Who is Spire Recovery Solutions?

Spire Recovery Solutions is a collection agency that buys consumer debt from third party creditors. The company takes over consumer and commercial debts as well as court-ordered judgements to help recover loans that are overdue. There have been instances where agents of Spire Recovery Solutions have been associated with different types of debt harassment as it pertains to The Fair Debt Collection Practices Act.

Typically, a debt collection agency purchases overdue debt from creditors, pursuing consumers who owe the debt, and eventually recovering their own costs from this overdue debt. As a result, it is important that they recover loans in full and as rapidly as possible. For this reason, their collection practices can border on aggression; at times causing stress to consumers who are contacted for the purpose of debt collection.

Understanding FDCPA and How It Is Applicable to Spire Recovery Solutions

The Fair Debt Collection Practices Act or the FDCPA is a law that outlines behavior practices for debt collection agencies. The law recognizes that overdue debt is a cause for great anxiety and trauma by itself. When clubbed with collection efforts, the trauma of debt collection can spill over and turn into harassment.

As a result, the FDCPA was set up to protect the interests of consumers who are already grappling with the burden of a loan that they are unable to repay coupled with aggressive follow-up and collection tactics. It’s outline, thus is to aim to protect consumers from abuse, threat, and harassment.

Ideally, consumers must note the numbers associated with Spire Recovery Solutions:

Why is Spire Recovery Solutions (SRS) Calling Me?

If you are one of the many consumers who have fallen behind on their bills and are now receiving calls from Spire Recovery Solutions (SRS), you may be wondering why they are contacting you.

The truth is that SRS is a debt collection agency that is tasked with recovering outstanding debts on behalf of its clients. This can be a distressing and intimidating experience, and it is important to understand your rights and how to protect yourself from harassment.

Is SRS Not Flexible When Negotiating Payments?

SRS Debt Collection may also be inflexible when it comes to negotiating payment plans or other arrangements with consumers. Some consumers report that SRS collectors are unwilling to work with them to find a solution that fits their financial situation. This lack of flexibility can lead to further financial hardship for consumers and may exacerbate the stress associated with debt collection.

Consumers should be aware of the perils associated with Spire Recovery Solutions (SRS) Debt Collection. It is essential to understand your rights as a debtor and to seek help from a reputable legal rights attorney.

Is SRS Implementing Any Of This Aggressive Collection Practices On You?

Here are the FDCPA outlines that enforce debt collection practices, and which, if found violated by Spire Recovery Solutions, can result in consumer harassment.

Identification: Debt collectors must identify themselves and provide their identity while also informing consumers that information gleaned may be utilized in further debt collection efforts.
Details of Creditor: Debt collectors must inform consumers about the entity they are collecting debt on behalf of. This includes leaving contact details with the consumer so that there is no ambiguity around the creditor’s identity.
Communicating Consumer Rights: Consumers have their rights, which include disputing the debt itself. Debt collectors must communicate this to consumers.
Verification of the Debt: Once the consumer has been contacted, the collector must provide them with a notice to the effect that they can request debt verification. If the request for debt verification does come through, debt collectors need to provide the consumer with proof in the form of a receipt or a record of the overdue debt. Read about the validation of debt .
Misrepresenting Information: Any kind of misinformation is illegal, whether it is details of the debt or providing false information regarding their own identities or that of the creditor. Debt collectors are bound to provide correct details regarding all aspects of the debt to the consumer.
Contacting Consumers: A debt collector cannot contact consumers before 8 a.m. or after 9 p.m. Once a consumer has stated refusal to pay up, legal action can be taken up depending on the reasons for refusal. However, continuing to contact the consumer or making frequent calls can be construed as harassment and the consumer would be well within their rights to take-action against this harassment.
Threatening the Consumer: Debt Collectors cannot threaten consumers with potential legal action or tell the consumer they will be sent to prison. Using abusive language is also prohibited. https://www.law.cornell.edu/uscode/text/15/1692e
Informing Others About the Debt: Debt collectors cannot leave details of the debt with anybody other than the consumer. It is also illegal to make the debt public. Read more on the acquisition of local information .
https://www.law.cornell.edu/uscode/text/15/1692c

Taking Action Against Spire Recovery Solutions Debt Harassment

There are steps that individuals can take to combat Spire Recovery Solutions in the case of Debt Harassment.

One of the most important steps is to educate yourself on your rights under the Fair Debt Collection Practices Act (FDCPA). This legislation regulates the behavior of debt collectors and sets strict guidelines for how they can interact with individuals.

It’s also crucial to document all interactions with Spire Recovery Solutions and other debt collection agencies. This includes keeping a record of all phone calls, letters, and visits, as well as noting down any threats or harassment.

Lastly but not less important is seeking professional help from a reputable legal rights attorney such as Legal Rights Advocates.

Levi Painter

04:38 28 Apr 23

Adam did a great job handling my case. Was able to get the loan dropped and now owe nothing. This company was very professional and did exactly what they said they would. Almost to good to be true!! Didn't actually believe it until I saw what they can do with my own 2 eyes. They really harrased me and kept calling over and over again. Stand up for your rights and let Adam handle your case!!!Did show up on my credit report as 4 missed payments which I did not expect because the loan was completely dropped but I am more than happy to take the hit on my credit report.

Marathon Lodge323

15:13 19 Apr 23

The firm has been very supportive throughout the process. Adam Jeffery has communicated with me on a regular basis to keep me updated. It was a long time coming but everything turned out wonderful in the end. Thank you so much to legal rights advocates

Renee Ponce

19:57 23 Mar 23

Mark and Legal Rights Advocates were amazing! To begin with Mark returned my call from the website on a Sunday! In less than 2 weeks they had prepared a letter for the company on my behalf and in less than 6 weeks ALL my issues with the credit card company that was harassing me for the last year were solved! This included getting a financial bonus and making sure the credit bureaus correct my credit score! Mark was completely professional and had exceptional follow-up! VERY impressed! Thanks again!

Kendra Lesley

22:40 06 Feb 23

I definitely recommend Legal Rights Advocates. I was being harassed by my credit card company they were calling a minimum of 10 times a day on the hour even ever half hour at times. Only after getting advice from Mark G on what to say to my creditors the calls stopped. Mark G is very helpful and friendly. I especially like how he follows up to make sure you aren’t having issues with your creditors.

Nick Galang

16:46 09 Dec 22

Thank you Mark Gazda for your advice. You went above and beyond from what I initially expected, took the time to listen to my problem and also how to deal with the problem. He was very professional, communication is amazing, readily available. I'd definitely recommend him to anyone I care about!! He actually cares about his clients and You can tell it's genuine even the sincerity in his voice, he was comforting after being threatened by a collection agent. Thank you again for making my day better.

Charlene Rice

05:27 16 Sep 22

When I had problems of scammers, Legal Rights Advocates was always there for me.They are always by my side when scammers were phishing for my money. They gave me timely advice on how to deal these scam crooks. I highly recommend them. So if you are having problems being harassed by scammers and robocalls, they will give you great advice. And you will have relief after taking to them. One of the best! Mark really helped me about dealing with threatening scam phone calls. He is truly a professional.He’s always by my side through thick and thin. I highly recommend.

Gift_

17:20 08 Sep 22

Gathering all information needed and keeping me posted on each step of the way made my experience exemplary.I’m thankful I found my way to Legal Rights Advocates and will refer them to anybody needing their services.

Kimberlee Trainer

22:03 21 Aug 22

Arelys was very kind and willing to work hard for me. I was able to get through to her with questions regarding my case. She later transferred to another department and Adam stepped in. He was very professional and always available anytime I had questions. He did a great job helping to bring my case to a positive closure. I am very thankful for this group of people who helped walk me through a very difficult time in my life. I highly recommend their services and thank you so much Adam.

Marie Davis

22:42 09 Aug 22

I needed assistance with qualifying for my Social Security disability benefits. I reached out to Legal Rights Advocates, and I am so glad I did. They were experts at navigating through the Social Security Disability maze! They provided the representation and guidance I needed. I was approved for my disability benefits! I could not have done it without the help of Legal Rights Advocates. I would highly recommend their services if you need help getting your disability benefits.

Rae Jor

19:55 05 Aug 22

I was forced to pay something in full, with false threats of me going to court if it’s not paid that same day, being told I was accused of fraud, etc. I kept trying to call the accusing company after seeing a post of people getting scammed with false threats of court. I accidentally called Mark because of what Google showed me as I was searching for that company. He asked me about the company and were specific things happening to me, I said yes confusingly. He told me what the accusing company did was illegal. He took on my case, emailed me documents, and a little over a month he got my fees and everything else waived by winning the case because what happened to me was wrong. It also caused A LOT of hardship having to pay the accusing company $1300+ instantly out of pocket the day I got the threats. Mark has also got me $500 back on top of everything being waived. I’m impressed, I’m thankful, I didn’t have to come out of pocket for ANYTHING and let me add I’m not even in the same state as him. He was also very friendly, knowledgeable and checked in with me to keep me updated. I would recommend him to anyone who was in the same situation as I when it came to a loan company making threats if I didn’t pay in full that day. I do know if it ever happens again, who I can call 😃

Receiving Harassing Calls From Spire Recovery Solutions?

Stop Harassing Collection Calls From Spire Recovery Solutions

Call more than 5 times in one day

Calling before 8am or after 9pm

Use any abusive or obscene language

Contact any third party stating you owe a debt

Violence threats or any intent to harm you

Ask to pay more than what is owed

Make false or misrepresenting claims

Legal threats that you'll be arrested

We're Ready To Fight For You

Cash Compensation

Trade line deletion

Debt Waiver

Cease and Desist