866-516-6961 belongs to United Recovery Systems. They’re a debt collector reporting a collection account on your credit report.
This can mean 2 things:
The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).
There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.
Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.
The best news? We’ve helped thousands of customers remove United Recovery Systems from their credit reports (without having to pay their debt). When United Recovery Systems is removed from your report:
Before paying or making any arrangements with a debt collector, it's crucial to confirm that the debt is yours and the amount is accurate. You have the right to request validation of the debt within 30 days of receiving the initial communication from the collector. This means they must provide you with documentation that verifies the legitimacy of the debt and confirms the exact amount owed. If they fail to provide this information, they are prohibited from legally continuing to collect on the debt. It's recommended to make this request in writing, preferably using certified mail with a return receipt requested to ensure proof of delivery. By exercising your right to validate a debt, you can avoid paying for an incorrect or fraudulent charge and protect yourself from potential scams.
With debt validation confirmed, your next step is to explore various management options. For instance, negotiating with the collector for a payment solution could involve paying off the debt in full or splitting it into installments over an agreed period of time - all while taking care not to commit yourself beyond what you can afford.
Settling a debt for less than the full amount may be an option if you are struggling to meet repayments. Negotiating with your creditors could mean one lump sum payment that is lower than what was originally owed can bring about closure on the account.
Facing debt can be a difficult and complicated situation. To help, Credit Glory works closely with you to create an individualized plan of action that's tailored for your unique financial circumstances. We'll negotiate on your behalf with creditors and take steps towards regaining stability so you don't have to go through it alone.
Speak with a live credit specialist for your free consultation, now