Spire Recovery Solutions Complete Guide to Services, Reviews, and How to Deal with Them

In today’s world of credit scores and financial responsibilities, debt collection agencies play a significant role in ensuring outstanding balances are recovered on behalf of creditors. One such agency is Spire Recovery Solutions, a name that may appear on your credit report or show up in your mailbox if you have unresolved debt. This comprehensive article explores everything you need to know about Spire Recovery Solutions — from who they are and what they do to how you can handle their calls and even remove them from your credit report.

Table of Contents

1. What is Spire Recovery Solutions?
2. Is Spire Recovery Solutions Legit or a Scam?
3. Why Is Spire Recovery Solutions Contacting You?
4. Spire Recovery Solutions and Your Credit Report
5. How to Contact Spire Recovery Solutions
6. Spire Recovery Solutions Complaints and Reviews
7. How to Remove Spire Recovery Solutions from Your Credit Report
8. Tips for Dealing with Spire Recovery Solutions
9. Legal Rights When Dealing with Debt Collectors
10. Final Thoughts

What is Spire Recovery Solutions?

Spire Recovery Solutions LLC is a third-party debt collection agency based in Lockport, New York. The company specializes in collecting past-due accounts on behalf of creditors, including banks, lenders, and financial institutions.

Key Details:

• Company Name: Spire Recovery Solutions LLC
• Headquarters: Lockport, NY
• Industry: Debt Collection
• Founded: 2018
• Website: https://spirerecoverysolutions.com

Spire purchases delinquent debts from original creditors at a discount and attempts to collect the full amount from consumers. In some cases, they are hired by the creditor to act as an agent and recover money on their behalf.

Is Spire Recovery Solutions Legit or a Scam?

Spire Recovery Solutions is a legitimate debt collection agency, not a scam. They are registered with the Better Business Bureau (BBB) and operate in compliance with federal and state laws regulating debt collection practices.

However, like many collection agencies, they have received complaints from consumers — typically about aggressive tactics or inaccuracies. These complaints don’t indicate fraud, but rather issues with how collections are handled.

How to Verify Their Legitimacy:

• Check for an official letter or account number.
• Confirm their contact information via their official website.
• Ask for a debt validation letter before paying anything.

Why Is Spire Recovery Solutions Contacting You?

If Spire Recovery Solutions is contacting you, it likely means:

• You have an unpaid debt that was sold to or placed with them.
• They are trying to collect money owed on behalf of another company.
• They may be contacting you by phone, mail, or reporting on your credit.

Common Types of Debt They Collect:

• Credit card debt
• Medical bills
• Personal loans
• Auto loans
• Store credit accounts

Always request written verification of the debt before making any payments or agreements.

Spire Recovery Solutions and Your Credit Report

When Spire Recovery Solutions is assigned your account, they might report it to one or more of the major credit bureaus — Experian, TransUnion, and Equifax. This will show up as a collection account and can significantly lower your credit score.

Key Credit Impact Details:

• Collection accounts can stay on your report for up to 7 years from the date of first delinquency.
• It negatively affects your credit utilization and payment history, which are two of the most influential credit score factors.
• Settling or paying off the debt may not automatically remove it from your credit report.

You may see the following entries:

• “Spire Recovery Solutions”
• “Collections account”
• The amount owed
• Original creditor (sometimes)

How to Contact Spire Recovery Solutions

Here’s how you can reach Spire Recovery Solutions for inquiries or disputes:

Address:
Spire Recovery Solutions
PO Box 139
Lockport, NY 14095

Phone:
(844) 909-1121

Fax:
(716) 531-6252

Email:
Not publicly listed; use contact form on website

Website Contact Form:
https://spirerecoverysolutions.com/contact

Spire Recovery Solutions Complaints and Reviews

Better Business Bureau (BBB):

• Spire Recovery Solutions is BBB accredited with a B rating.
• Over 300+ complaints have been filed in the last few years.
• Most complaints involve:
  • Attempting to collect debts not owed
  • Failure to validate debt
  • Harassing or repeated calls

Consumer Financial Protection Bureau (CFPB):

• Several complaints filed about rude behavior, inaccurate information, or FDCPA violations.

Consumer Reviews:

• Mixed feedback — some consumers report fair treatment, while others cite aggressive or unprofessional tactics.
• Common red flags:
  • Calls at odd hours
  • Refusal to provide verification
  • Threats of legal action without basis

How to Remove Spire Recovery Solutions from Your Credit Report

Removing a collections account can be challenging but not impossible. Here are steps to consider: