Integral Recoveries Inc or IR is a third-party collection agency based in Colorado. IR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including using false or misleading language in an effort to collect a debt and threatening to take actions that cannot legally be taken. If you have been contacted by Integral Recoveries, make sure you understand your rights before responding.
- Who is Integral Recoveries?
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- Integral Recoveries Complaints?
- Can Integral Recoveries Sue Me or Garnish My Wages?
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- How Do I Stop Integral Recoveries Debt Collection Harassment?
- How Can I Delete Integral Recoveries from My Credit Report?
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According to the Better Business Bureau (BBB), Integral Recoveries, Inc. was founded in 1995. The BBB established a profile page for IR in 1998. IR is listed as a collection agency with an estimated 38 employees. The BBB describes IR as “a leader in receivables management serving multiple organizations in a wide span of industries… IR is committed to providing…clients with a recovery model that will reduce operating expenses and increase liquidation.”
According to its website,Integral Recoveries is “a third-party collection agency and has developed into a leader in accounts receivable management…IR provides effective receivable solutions professionally and ethically.” IR’s mission “is to resolve past due accounts utilizing state of the art information gathering, effective negotiations, and persistence… and to take a strategic approach to debt recovery.”
As a full-service collection agency,Integral Recoveries offers a range of accounts receivable and debt collection services. IR’s first-party billing division creates “customized outbound/inbound contact programs for…client organizations to enhance…capabilities in recovering early stage delinquencies.” IR’s third-party collection division “focuses on effective location and asset searches in conjunction with results-oriented collection techniques… to handle the various situations arising in collection scenarios, thereby increasing… consumer…contact…and creating an urgency to pay.” Additional service divisions include location and asset investigation, full-service litigation, credit reporting, and transaction processing.
Integral Recoveries collects delinquent debt and performs accounts receivable management service for a variety of industries, including government agencies at the municipal, county, state, and federal level; financial services companies such as banks, credit unions, credit card issuers, retailers, and consumer and commercial lenders; medical and healthcare providers; education lenders; and retail and service providers.
Integral Recoveries About Us pages state that they conduct business “in the best interests of…clients and with strict adherence to state and federal Fair Debt Collection Practices Acts. They also adhere to the Gramm Leach Bliley Act’s provisions requiring the protection of consumer information. They indicate membership in several professional associations. However, they do not provide a page with consumer protection resources and links to laws and enforcement agencies.
The BBB has closed 8 complaints against Integral Recoveries in the preceding 3 years, with 4 complaints closed in the past 12 months. Half of those complaints allege problems with billing and collections; the rest are evenly split between complaints alleging problems with customer service and problems with advertising. Since June 2016, the Consumer Financial Protection Bureau (CFPB) has closed 5 complaints against IR. Justia lists at least 1 case of civil litigation involving Integral Recoveries.
Integral Recoveries, Inc. Contact Information
Integral Recoveries, Inc.
750 W Hampden Ave., Ste. 501
Englewood, CO 80110-2166
Telephone: (800) 660-8450
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Integral Recoveries would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases against Integral Recoveries Inc
Complaints against Integral Recoveries commonly cite problems resulting from customer service described as rude and unprofessional. In January 2018, a complainant indicated he had contacted Integral Recoveries to pay a collection notice. The IR representative accepted the complainant’s payment, but then told him “that they weren’t supposed to and that he … had to pay the county court directly.” Regardless, the “money had already been taken from… the complainant’s account and…was no longer available, so …now the bill is late and the complainant’s license is suspended as a result of funds… not being available to pay the right person.” The complainant indicated that a supervisor had “apologized but said there’s nothing they can do about it and that it will take 3-5 business days to return …the money.” In addition, the complainant indicated that the “supervisor was extremely rude on the phone and berated him for not paying his bill on time.” At the time of the complaint, the complainant “still…did not have…the funds returned to his account.”
In response, Integral Recoveries “acknowledged that a payment was inadvertently taken by one of…their representatives when … the complainant should have been instructed to pay the court directly.” IR insisted that “once the payment was processed… the… representative immediately realized her error and…IR canceled the transaction. As of …the date of IR’s response, their records reflect that the funds were returned to … the complainant’s account.” The response also indicated that the “supervisor did reach out to … the court and explained the situation so…the complainant is free to pay them directly.” Integral Recoveries “apologized for this error” and indicated their commitment to “using this as a training opportunity.” IR thanked the complainant for “making …them aware as…they strive for all encounters with our organization to be positive.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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