Your Rights

What does the debt collector have to tell me about the debt?

A collector has to give you “validation information” about the debt either when they first communicate with you or within five days of the first contact. The collector has to include the following

• their name and mailing address
• the name of the creditor you owe it to
• how much money you owe, written out to include interest, fees, payments, and credits
• what to do if you don’t think it’s your debt
• your debt collection rights, including your right to get information about the original creditor if you ask for it within 30 days of getting validation information from the collector

What if I don’t think I owe the debt?

Once you get the validation information (see What does the debt collector have to tell me about the debt), if you still don’t recognize a debt, or don’t think the debt is yours, send the debt collector a dispute letter. Say you don’t owe some or all of the money, and ask for verification of the debt.

Make sure to send the dispute letter within 30 days. Once the collection company gets the letter, it must stop trying to collect the debt until it sends you written verification of the debt, like a copy of the original bill for the amount you owe. Consider sending your letter by certified mail and requesting a return receipt to show that the collector got it. Keep a copy of the letter for your records.

If you don’t dispute the debt within 30 days of getting the validation information, the debt collector will assume the debt is legitimate.

What Spire does after you dispute

Call or write to us by [the date in your validation notice], to dispute all or part of the debt. If you do not, we will assume that our information is correct.

If you write to us by [the date in your validation notice] we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may also include supporting documents. We accept disputes electronically at https://spiresupport.freshdesk.com/support/tickets/new.

Spire Recovery Solutions accepts consumer disputes made verbally, electronically or through the mail. Please email us and a representative will work with you.

Write to ask for the name and address of the original creditor, if different from the current creditor. If you write by [the date in your validation notice], we must stop collection until we send you that information. We accept such requests electronically at spiresupport.freshdesk.com/support/tickets/new.

Go to www.cfpb.gov/debt-collection to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you.

Are debt collectors allowed to contact me at any time or place?

No. The law limits how and when a debt collector can contact you about covered debts. There are also ways to stop a debt collector from contacting you (see: How do I stop a debt collector from contacting me?)

Debt collectors

• can’t contact you before 8 a.m. or after 9 p.m., unless you agree to it
• can’t contact you at work if you tell them you’re not allowed to get calls there
• can’t contact you by email or text message if you ask them to stop
• can’t call you more than seven times within a seven-day period or within seven days after talking with you by phone about a particular debt
• can’t privately message you on social media if you ask them to stop

How do I stop a debt collector from contacting me?

Mail a letter to the collection company and ask it to stop contacting you. Keep a copy for yourself. Consider sending the letter by certified mail and paying for a “return receipt.” That way, you’ll have a record the collector got it.

Once the collection company gets your letter, it can only contact you to confirm it will stop contacting you in the future or to tell you it plans to take a specific action, like filing a lawsuit. If an attorney is representing you, tell the collector. The collector must communicate with your attorney, not you, unless the attorney doesn’t respond to the collector’s communications within a reasonable time.

Can a debt collector contact anyone else about my debt?

Generally, a debt collector can’t discuss your debt with anyone but you or your spouse. If you’ve told the collector an attorney is representing you, the collector must contact the attorney. A collection company can contact other people to find out your address, your home phone number, and where you work, but usually it can’t contact them more than once, and it can never tell them you owe a debt.

You can update your communication preferences with our team at any time.

What are debt collectors not allowed to do?

Collectors can’t harass you. For example, collectors

• can’t threaten to hurt you
• can’t use obscene or profane language
• can’t call you more than seven times within a seven-day period, or within seven days after talking with you on the phone about a particular debt

Collectors can’t lie. For example, collectors

• can’t tell you that you owe a different amount than what you actually owe
• can’t pretend to be an attorney or from the government
• can’t tell you that you’ll be arrested, or claim they’ll take legal action against you if it’s not true

Collectors can’t treat you unfairly. For example, collectors

• can’t try to collect interest, fees, or other charges on top of the amount you owe, unless the original contract or a law says they can
• can’t deposit a post-dated check early
• can’t publicly reveal your debts, including by sending postcards or putting information on envelopes

How to Verify That Spire Recovery Solutions Is Legit

When you receive any debt collection communication, verify the source before sharing personal information or making a payment.

Consumers can begin by visiting the official Spire Recovery Solutions website and reviewing the company’s published contact information. If the communication arrived by letter, email, or another method, compare the contact details with those on the official website.

Consumers also have the right to receive certain information about a debt, including information about the amount owed and the creditor. If an account or balance is unfamiliar, asking for additional information can help clarify the situation.

It is also helpful to keep copies of letters, emails, payment confirmations, call notes, and other account-related communication.

Having those records available can make future conversations easier and help prevent misunderstandings.

What to Do If You Do Not Recognize the Account

If Spire Recovery Solutions contacts a consumer about an unfamiliar account, the consumer should not simply ignore the communication. First, review the information and determine what part of the account is unclear.

Past statements, payment records, credit reports, emails, and other documents associated with the creditor may provide additional context. In some situations, the name appearing on a collection notice may differ from the company name the consumer remembers.

If the account or balance still doesn’t look familiar, consumers may dispute the debt or request validation. Keeping the request in writing also creates a record of the concern and allows additional account information to be reviewed.

Complaint Resolution

At Spire Recovery Solutions, we hold ourselves and our team to the highest standards of ethics and professional behavior.

All of our collection activities are in accordance with the Fair Debt Collection Practices Act (FDCPA) and other applicable rules and laws associated with the collection business.

Spire Recovery Solutions is committed to providing the best possible experience for consumers while resolving outstanding account balances. We invite you to contact our compliance team to tell them about your experience working with our team.

Clifton Gibson
Chief Compliance Officer
Phone Number – (855) 439-0823
Email – support@spirerecoverysolutions.com

Where do I report a debt collector for doing something illegal?

Report any problems you have with a debt collector to

• your state attorney general’s office
• the Federal Trade Commission
• the Consumer Financial Protection Bureau

Many states have their own debt collection laws that are different from federal laws. Your state attorney general’s office can help you determine your rights under your state’s law.