Frequently Asked Questions

Answers to common questions about debt collection, your rights, and resolving your account with Spire Recovery Solutions.

• Why is Spire Recovery Solutions contacting me?

  We may be contacting you about an account placed with us for collection. Contact us to confirm the details and learn more.

• How do I verify a debt with Spire Recovery Solutions?

  You can verify your debt by calling us directly or using our secure online portal.

• How do I dispute this account?

  Spire Recovery Solutions accepts consumer disputes made verbally, electronically or through the mail. Please email us and a representative will work with you.

• What are my rights under the FDCPA?

  Our Your Rights page sets out your rights when a debt collector contacts you, quoting the Federal Trade Commission and Spire’s validation notice.

• Can I set up a payment plan?

  Yes. After signing in to your account, you can choose from several resolution options including paying in full, settling the account for less than the full balance, or a structured payment plan. Payment plans are available on a weekly, biweekly, or monthly schedule depending on your account.

• What payment methods do you accept?

  We accept major credit and debit cards (Visa, Mastercard, Discover, American Express) as well as ACH bank transfers. All payments are processed securely through our online portal.

• Does Spire Recovery Solutions report to credit bureaus?

  Spire Recovery Solutions does not report to credit bureaus.

• How do I stop collection calls?

  You can update your communication preferences with our team at any time.

• Is my personal information safe?

  Yes. We take the security of your information seriously. Our online portal uses encrypted connections (HTTPS).

• What happens after I pay in full?

  After your payment is confirmed, your balance with Spire is $0. The portal shows a confirmation for your records.

• What if I cannot afford to pay the full amount?

  We understand that financial situations vary. We offer settlement options and flexible payment plans to make resolution achievable. Sign in to view the options available on your specific account, or contact us to discuss your circumstances.

• How do I contact Spire Recovery Solutions?

  You can reach us by phone, email, or mail. See our Contact page for our current phone number, email address, and mailing address. Our consumer portal is available 24/7 for account access and payment.