Integral Recoveries Inc or IR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Integral Recoveries?
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.
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Is Integral Recoveries a scam?
They’re legit. 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.
Who does Integral Recoveries collect for?
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.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Integral Recoveries?
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.
Can Integral Recoveries Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats 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!
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.”
Integral Recoveries Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (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).
Can I sue Integral Recoveries for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you 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.
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete Integral Recoveries from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.