To remove Spire Recovery Solutions from your credit report, file a dispute with each credit bureau (Experian, Equifax, TransUnion) online or by mail, citing the Fair Credit Reporting Act and requesting validation or deletion of the entry; if they can't verify it within 30 days, they’re legally required to remove it. Additionally, contact Spire directly via certified mail to request deletion or debt validation, and escalate to the CFPB or your state attorney general if they fail to comply.
Disclaimer:
This article about Spire Recovery Solutions is for educational purposes only and is not legal or financial advice. We make no guarantees about removing debt collections from your credit report. Results may vary based on your individual situation. Consult with a qualified attorney or credit counselor before taking any action. We are not responsible for any outcomes from following this information. Laws and company policies may change. This information is current as of the publication date.
Spire Recovery Solutions is one of the most searched debt collectors online, with thousands of people each month looking for ways to remove it from their credit reports.
If you’ve seen their name on your report and don’t recognize the debt, or just want it gone, you are on the right page.
In this guide, we’ll break down who they are, why they might be contacting you, and the simple steps you can take to potentially get them removed from your credit report.
Who Is Spire Recovery Solutions?
Spire Recovery Solutions is a debt collection company. They are based in Lockport, New York, and they collect money that people owe to other companies. Think of them as the middleman who tries to get back money for businesses.
Here's how it works: When you don't pay a bill for several months, the original company might give up trying to collect the money. Instead, they sell your debt to a company like Spire Recovery Solutions. Now Spire owns your debt and will try to collect it from you.
The People Who Run Spire Recovery Solutions
The company has several key leaders:
- Joseph Torriere is the President
- Clifton Gibson is the Chief Compliance Officer
- Rodney Giove is the Director of Compliance
These people make sure the company follows the law when collecting debts. However, like many debt collectors, Spire has been sued for breaking debt collection rules.
Is Spire Recovery Solutions legit?
Yes, Spire Recovery Solutions is a legitimate, nationally licensed debt collection agency founded in 2014 and accredited by the BBB (rated B+ in New York and operating in multiple states). However, while it’s a real company, it has also faced numerous consumer complaints, mostly about frequent calls, difficulty verifying debt, and aggressive contact practices
How Spire Recovery Solutions Makes Money
Spire Recovery Solutions makes money in two main ways:
First way: Other companies pay them to collect debts. For example, if you owe money to a hospital, the hospital might hire Spire to collect that money from you.
Why other companies hire Spire Recovery Solutions:
When businesses like hospitals, banks, or service providers can’t collect payments after many attempts, they don’t want to keep spending time and resources chasing it. So, they hire collection agencies like Spire to do the job. These agencies are specialists so they have systems, staff, and legal tools dedicated to recovering debts. The original company pays them a fee or gives them a cut of whatever they collect.
Second way: They buy old debts for very cheap prices. If you owed $1,000 to a credit card company, Spire might buy that debt for only $50. Then they try to collect the full $1,000 from you.
Why Spire buys old debts, even if they’re past the statute of limitations:
Debt buyers like Spire can purchase old, “charged-off” debts for pennies on the dollar, sometimes just $10 for every $1,000 owed. Even if they can’t legally sue to collect (because the statute of limitations expired), they can still try to get people to pay voluntarily. Many consumers don’t know their rights, so they might pay out of fear or just to stop the calls. It’s a high-risk, high-reward strategy for the debt buyer.
Who Does Spire Recovery Collect For?
Spire Recovery Solutions goes after many different types of debts. Here are the most common ones:
Credit Card Debts
This is their biggest area. When you stop paying your credit card bills, the credit card company will try to collect for about 4-6 months. If you still don't pay, they often sell your debt to companies like Spire.
Medical Bills
Hospital bills and doctor bills are another big part of their business. Medical debt is common because healthcare is expensive and many people don't have good insurance. When you can't pay a medical bill, the hospital or doctor's office might sell your debt to Spire.
Personal Loans
If you borrowed money from a bank or online lender and stopped paying, that debt might end up with Spire. These are loans that don't require collateral (like your house or car).
Business Debts
Spire also collects money that businesses owe to other businesses. This could be unpaid bills for services or equipment.
Court-Ordered Debts
Sometimes Spire takes over debts that have already gone to court. This means a judge has already said you owe the money, and now Spire is trying to collect it.
What Happens When Spire Shows Up on Your Credit Report
Having Spire Recovery Solutions on your credit report is bad news for your credit score. Here's what you need to know:
Your Credit Score Will Drop Fast
When a collection account first appears on your credit report, your score can drop by 50 to 100 points or even more. If you had good credit before, the drop will be bigger. If your credit was already poor, the drop might be smaller.
The credit scoring companies (like FICO) see collections as a big red flag. They think if you didn't pay one bill, you might not pay others either.
It Stays on Your Report for 7 Years
The collection will stay on your credit report for seven years. This time starts from when you first missed payments with the original company, not when Spire took over. Even if you pay Spire in full, the collection mark usually stays on your report for the full seven years.
What Information Shows Up
When Spire reports to the credit agencies, here's what appears:
- Spire Recovery Solutions' name and contact info
- The original company you owed money to
- How much money you owe now
- How much you owed originally
- When the account went to collections
- Whether you've paid it, settled it, or still owe it
- Your payment history with Spire
Does Spire Recovery Solutions Report to Credit Bureaus?
Yes, Spire Recovery Solutions can report to the credit bureaus, but not always directly. According to their site, Spire itself doesn’t submit tradelines, but the original creditor or the owner of the account that placed the debt with Spire may report any updates (like collections activity or payments) to Equifax, Experian, or TransUnion .
So, if you're seeing Spire on your credit, it's because a creditor instructed the bureaus to record that debt, not because Spire reported it themselves.
How Spire Recovery Solutions Collections Hurts Your Financial Life
Having a collection on your credit report causes problems in many areas:
- Getting New Credit: Banks and credit card companies will be less likely to approve you for loans or credit cards. If they do approve you, you'll pay much higher interest rates.
- Renting a Home: Many landlords check credit reports before renting to someone. A collection account might cause them to reject your application or ask for a bigger security deposit.
- Getting a Job: Some employers check credit reports, especially for jobs handling money or requiring security clearances.
- Insurance Costs: In many states, insurance companies can charge you more for car and home insurance if you have bad credit.
- Utility Deposits: Electric, gas, and phone companies might require you to pay a deposit before starting service.
If you are struggling with collection accounts, we at ASAP Credit Repair USA can help.
How to Remove Spire Recovery Solutions from Your Credit Report
Now for the good news: you can often get collection accounts removed from your credit report. Here are six proven methods:
Method 1: Ask Them to Prove You Owe the Money
This is called "debt validation" and it's your strongest tool. The law says debt collectors must prove you really owe the money if you ask them to.
How to Do It: Write a letter to Spire Recovery Solutions asking them to prove:
- That you actually owe this debt
- The name of the original company you owed
- How much you owe and how they calculated it
- That they have the legal right to collect this debt
- Copies of paperwork showing you agreed to pay this debt
Important Rules:
- You must send this letter within 30 days of when they first contact you
- Send it by certified mail so you have proof they received it
- Keep copies of everything
What Happens Next: Once Spire gets your letter, they must stop trying to collect the debt until they send you proof. If they can't prove you owe the money, they must remove it from your credit report.
Many debt collectors can't provide good proof because:
- Paperwork gets lost when debts are sold
- They don't have your original signed agreement
- The debt is too old
- They made mistakes in their records
Method 2: Dispute Errors on Your Credit Report
Even if you do owe the money, there might be mistakes in how it's reported on your credit report. Look for these common errors:
- Wrong amount of money owed
- Wrong dates
- Showing as unpaid when you already paid
- Missing information about the original creditor
- The same debt listed twice
How to Dispute: Contact all three credit reporting companies (Experian, Equifax, and TransUnion) and tell them what's wrong. You can:
- File disputes online (fastest but limits how much you can explain)
- Mail written dispute letters (better for complex issues)
- Call them (convenient but no paper trail)
The Investigation Process: The credit companies have 30 days to check your dispute. They contact Spire and ask them to prove the information is correct. If Spire can't prove it within 30 days, the credit companies must remove it from your report.
Method 3: Pay-for-Delete Agreements
Some debt collectors will agree to remove the collection from your credit report if you pay them. This isn't guaranteed, but it's worth trying.
How to Negotiate: Call Spire Recovery Solutions and say you want to pay the debt in exchange for them removing it from all three credit reports. You can:
- Offer to pay the full amount
- Try to negotiate a lower amount (often 40-60% of what you owe)
- Ask for a payment plan if you can't pay all at once
Get It in Writing: Never pay based on a phone promise. Make them send you a written agreement that says they will remove the collection from your credit reports after you pay. The agreement should be signed by someone with authority at Spire.
Be Careful: Some debt collectors will take your money but not remove the collection. Always get the written agreement first.
Method 4: Use the Statute of Limitations
Every state has a time limit on how long debt collectors can sue you for old debts. This is called the "statute of limitations." It's usually between 3-10 years depending on your state.
How This Helps: If your debt is older than your state's time limit, Spire can't successfully sue you in court. You can use this as leverage to negotiate removal from your credit report.
Important Points:
- The time limit usually starts from your last payment on the original debt
- Making any payment can restart the clock
- Even old debts can still appear on credit reports if less than 7 years old
- Don't admit you owe the debt if it might be too old
Method 5: Write a Goodwill Letter
If you've already paid the collection, you can ask Spire to remove it as a favor. This is called a "goodwill letter."
What to Include:
- Take responsibility for the debt
- Explain what caused you to fall behind (job loss, medical emergency, divorce, etc.)
- Show how you've improved your financial situation
- Ask them to remove the collection as a gesture of goodwill
- Be polite and professional
Success Tips:
- Don't demand anything - you're asking for a favor
- Keep the letter short and to the point
- Send it to a manager or executive, not customer service
- Be prepared to send several letters if the first one doesn't work
Method 6: Sue Them for Breaking the Law
Debt collectors must follow strict rules called the Fair Debt Collection Practices Act (FDCPA). If Spire breaks these rules, you can sue them and often get the collection removed as part of the settlement.
Common Rule Violations:
- Calling too early (before 8 AM) or too late (after 9 PM)
- Calling you at work after you told them not to
- Using rude, threatening, or abusive language
- Lying about how much you owe or their legal powers
- Continuing to call after you sent a cease and desist letter
- Not providing debt validation when properly requested
What to Do:
- Keep detailed records of all phone calls and messages
- Save voicemails and take screenshots of texts
- Write down dates, times, and what was said
- Consider hiring a lawyer who specializes in debt collection cases
Potential Results: If you win, you can get up to $1,000 plus attorney fees and actual damages. More importantly, debt collectors often agree to remove collections from credit reports to settle these lawsuits.
Best Practices for Success
- Keep Good Records. Write down everything that happens. Save copies of all letters, emails, and documents. Use certified mail for important letters so you have proof they were delivered.
- Be Patient. Removing collections takes time. Credit investigations take 30 days. Negotiations can take weeks or months. Don't give up if your first attempt doesn't work.
- Learn Your Rights. Understanding debt collection laws makes you more powerful in negotiations. The Consumer Financial Protection Bureau has free information about your rights.
- Get Help When Needed. If you're dealing with a large debt or complex situation, consider hiring a lawyer who specializes in credit repair or debt collection defense. Be careful of credit repair companies that promise quick fixes or ask for money upfront.
- Check Your Progress. Look at your credit reports regularly to make sure disputed items are handled properly and removed items don't come back.
- Don't Restart Old Debts. Be careful about making payments on very old debts. This can restart the statute of limitations and make the debt legally collectible again.
What NOT to Do
- Don't Ignore Them. Ignoring Spire won't make them go away. It's better to take action using the methods above.
- Don't Admit to Debts You're Not Sure About. If you're not certain you owe a debt, don't admit to owing it. Ask for validation first.
- Don't Pay Without Getting Something in Writing. Never make payments based on phone promises. Always get written agreements.
- Don't Fall for Scare Tactics. Debt collectors sometimes threaten arrest, wage garnishment, or property seizure. Most of these threats are illegal and untrue.
- Don't Give Access to Your Bank Account. Never give a debt collector electronic access to your checking account or provide your account numbers.
After You Remove the Spire Recovery Solutions Collection
Once you successfully remove Spire Recovery Solutions from your credit report, here's what to do:
Build Positive Credit
Focus on building good credit habits:
- Pay all bills on time
- Keep credit card balances low
- Don't close old credit cards
- Only apply for new credit when needed
Consider Credit Monitoring
Sign up for free credit monitoring services to get alerts if anything changes on your credit reports.
Save Your Documentation
Keep all paperwork related to the removed collection in case you need to prove it was resolved.
Spire Recovery Solutions: Final Thoughts
Removing Spire Recovery Solutions from your credit report is possible, but it requires knowledge, patience, and persistence. Start with debt validation since it's your strongest tool. If that doesn't work, try the other methods we've covered.
Remember that you have rights under federal law, and debt collectors must follow specific rules. Don't let them intimidate you or pressure you into paying without getting something in return.
The collection will eventually fall off your credit report after seven years, but taking action now can help you remove it much sooner. This can save you thousands of dollars in higher interest rates and give you access to better financial opportunities.
Stay organized, keep good records, and don't give up. With the right approach, you can clean up your credit report and start rebuilding your financial future.
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