What is 11th Hour Recovery
What is 11th Hour Recovery?
…and why is 11th Hour Recovery reporting on my credit reports?
11th Hour Recovery is a collection agency
You may not have to pay your debt (depending on the age of the debt and your state’s statute of limitations)
Need Help With 11th Hour Recovery?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Who Does 11th Hour Recovery Collect For?
11th Hour Recovery is a debt collector reporting a collection account on your credit report.
11th Hour Recovery either purchased the debt from the original creditor or has been hired by the original creditor to service the debt.
11th Hour Recovery may send you letters in the mail regarding the debt or call you demanding payment.
But, much more than that, 11th Hour Recovery may now be reporting a collection account on your credit reports which lowers your credit scores and decreases your probability of getting approved for a mortgage, auto loan, credit card, apartment, etc…
Getting this account removed may be possible.
Need Help With 11th Hour Recovery?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does 11th Hour Recovery Hurt My Credit Score?
Yes, if 11th Hour Recovery is reporting a collection account in your credit report they are lowering your credit scores
How Do I Remove 11th Hour Recovery From My Credit Report?
Consumer protection laws such as the FCRA, FCBA, FACTA, and FDCPA allow for the removal of collection accounts such as 11th Hour Recovery from your credit reports due to inaccuracies, incomplete information, fraud, or information out of compliance with the law.
Disputing the collection may be a good start but, it may also lower your credit scores.
Debt validation may be a better option but, the way that the account is reported in your credit reports will dictate the best approach to take to deal with this debt.
NOTE: According to the PIRG (Public Interest Research Group), 79% of credit reports contain errors.
Need Help With 11th Hour Recovery?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is 11th Hour Recovery A Collection Agency?
Yes, 11th Hour Recovery is a collection agency. They purchase or service past due debt from creditors who have written off the original debt (also known as a charge-off).
Can I Pay 11th Hour Recovery To Delete The Collection From My Credit Report?
11th Hour Recovery may agree to delete the collection account in exchange for payment but, this is not very common.
11th Hour Recovery typically updates the balance of the collection account to $0 and changes the status to “Paid Collection” once the account is paid.
Then continues to report the collection for 7 years from the date of the first key delinquency.
Note: Depending on how the account is reporting in your credit reports, paying a 11th Hour Recovery collection account may actually lower your credit scores.
Note: If you come to a “Pay-For-Delete” agreement with 11th Hour Recovery, make sure you get the terms of your agreement in writing before you make your payment. You don’t want them backing out of the deal and refusing to remove the collection after you have made your payment.
You may be able to get the 11th Hour Recovery collection removed from your credit reports by leveraging consumer protection laws. Call (800) 750-1416 to find out how.
Can I Settle A 11th Hour Recovery Collection?
Settling your debt with 11th Hour Recovery may help to increase your credit scores, but it may also lower your credit scores depending on how the collection account is reporting.
The date that the account last reported will dictate whether paying the 11th Hour Recovery collection will improve your scores.
The statute of limitations will dictate whether you actually have to pay this debt.
If there are any inaccuracies or non-compliance issues with the collection account, the 11th Hour Recovery collection may be removed from your credit reports without any payment.
Need Help With 11th Hour Recovery?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Is 11th Hour Recovery A Scam?
No, 11th Hour Recovery is a legitimately licensed debt collector.
If 11th Hour Recovery is calling you or reporting a collection account on your credit reports you will need to deal with the issue.
One of the best ways to deal with 11th Hour Recovery is a combination of disputes, debt validation, cease and desist orders, and CFPB investigations.
The most hassle-free way to do this is to call (800) 750-1416 or sign up online.
Why Does 11th Hour Recovery Keep Calling Me?
11th Hour Recovery is calling you because they are a legitimate debt collector and are attempting to collect a debt.
You can ignore their calls, in which case they will continue to call/harass you and fill your voicemail with messages.
Or you can deal with the issue heads on; submit a limited cease and desist order to stop all calls, and use consumer protection laws to stop 11th Hour Recovery dead in their tracks.
Can 11th Hour Recovery Sue Me Or Garnish My Wages?
Your state’s statute of limitations and the age of the debt will determine whether 11th Hour Recovery can sue you for the debt but, 11th Hour Recovery typically doesn’t sue consumers for collection accounts.
Not to say that it can’t happen but, it’s not typical.
If 11th Hour Recovery sues you for the debt there are a number of things that you can do, there are also a number of federal and state laws that have exemptions for wage garnishments.
Need Help With 11th Hour Recovery?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
Does 11th Hour Recovery Accept Goodwill Letters To Remove Collections From Credit Reports?
Goodwill letters don’t work with 11th Hour Recovery.
The best way to remove a 11th Hour Recovery collection from your credit report is to leverage consumer protection laws from the FCRA, FCBA, FDCPA, etc… or through a Pay-For-Delete.
What Are My Rights When Dealing With 11th Hour Recovery?
The FCRA allows you the right to dispute any debt that 11th Hour Recovery is reporting in your credit reports.
The FDCPA gives you the right to see a copy of the original contract/agreement that you signed with the original creditor for this debt, along with a breakdown showing how you accumulated the balance that you are past due.
If 11th Hour Recovery fails to produce these documents 30 days after receiving a written request, the FDCPA demands that 11th Hour Recovery remove the collection account from your credit report.
These are just a few examples of your consumer rights. Get to know the FCRA, FCBA, FDCPA, and FACTA.
Need Help With 11th Hour Recovery?
Speak with one of our Credit Consultants to find out how we can help you.
Call (800) 750-1416
What Is 11th Hour Recovery Phone Number?
Before calling 11th Hour Recovery call CreditFirm.net at 800-750-1416 and speak with a credit consultant about your options.
Remember that you’re only liable for a debt if it is still within your state’s statute of limitations and 11th Hour Recovery must remove the collection from your credit reports if they cannot provide all of the proper validation documents.
Where Can I Find 11th Hour Recovery Login?
Logging it to 11th Hour Recovery may be a good idea.
Read the fine print and make sure that you’re not waiving any consumer protection rights when logging in.
We strongly recommend calling a Credit Repair company (like us) so we can review why 11th Hour Recovery is on your report and see how we may be able to use the FCRA, FDCPA, FCBA, etc… to remove the 11th Hour Recovery collection account from your credit reports.
Remove 11th Hour Recovery From My Credit Report
CreditFirm.net has helped thousands of our clients remove 11th Hour Recovery collection accounts from their Experian, Equifax, and TransUnion credit reports.
If you’re looking for a reputable company to help you deal with 11th Hour Recovery and increase your credit score, give us a call at 800-750-1416.