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Credit Recovery Associates Inc

Address:

509 W Butler Rd
Greenville, SC 29607-4833

Contact Them:

Phone: (864) 422-8011
Fax: (864) 422-8035

map-embed.com

Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to harass, oppress, or abuse you.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • 30 Comments

    1. Russ Sparks on September 24, 2015 at 5:24 pm

      On my wife’s Equifax credit report a debt was posted on August 31, 2015 by Credit Recovery Associates. It claimed she owed an unsecured loan on a 36 month term ($132.00 a month) that still held a balance for $3338.00 with a past due debt of $4300.00 that was opened on November 16th, 2004. Not only do none of our records or recollection corroborate having made such a loan, we went bankrupt in 2005 (October 14, 2005 filing) and would have been legally compelled to include it in the filing if we had actually owned it.
      Credit Recovery Associates has made no attempt to contact us in any way nor have they answered emails for clarification. We are reluctant to call or write postal mail for fear of the debt collection onslaught.
      We just noticed the posting on her credit report two days ago and are in the process of disputing it with Equifax. We feel this is a phishing scam to waddle through who might be willing to simply pay them off for fear of a negative mark on their credit report. By all accounts of our records and recollection, this is complete fabrication of a past debt.



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