Elevate Recoveries: Who They Are and Your Rights

Type

Collection agency

Also known as

Elevate Recoveries, LLC; Elevate Recoveries LLC

Headquarters

Sherman, TX

133 debt collection complaints were sent to the Consumer Financial Protection Bureau about Elevate Recoveries, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Elevate Recoveries?

Elevate Recoveries, LLC is a North Texas collection agency. The Texas Secretary of State's debt collector bond records list Elevate Recoveries LLC at 1930 N. Grand Avenue in Sherman, Texas, under file number 20130003, with an active bond first filed on January 7, 2013. Texas requires a third-party debt collector to file a surety bond with the Secretary of State before collecting in the state (Tex. Fin. Code § 392.101), so this record is a useful way to confirm that the company you are dealing with is the one on file.

The company's Better Business Bureau profile gives a start date of September 6, 2012, lists it as a limited liability company, and shows a mailing address of PO Box 910009, Sherman, Texas 75091, along with the Grand Avenue location. The BBB lists Cynthia Ann Armstrong as president and a phone number of (214) 473-5060. We could not find a working official website: the elevaterecoveries.com domain listed by the BBB did not load a company site when we checked. Confirm any phone number against your own letter before you call.

Elevate Recoveries is a different business from Elevate Credit, the online lender. Similar names are common in this industry, so match the Sherman address before assuming who sent a notice.

Why Elevate Recoveries May Be Contacting You

We could not verify which creditors or industries Elevate Recoveries works for. As a bonded third-party collector, it collects accounts that other businesses have placed with it, so the original creditor should be named in its first written notice. If you get a call first, ask for the name of the creditor, the account number the creditor used, and the balance, and ask for everything in writing.

How to Check a Debt Elevate Recoveries Says You Owe

Because so little about this company's client list is public, the paperwork it sends you is the main evidence you will have.

• Read the validation notice closely. A collector must tell you the creditor's name, an itemization of the balance from a set date, and the deadline to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Our page on what a validation notice must include walks through each item.
• Dispute in writing before the deadline if you don't recognize the creditor, the amount looks inflated, or you already paid. Collection must pause until Elevate Recoveries mails verification. See how to dispute a debt with a collector.
• Ask whether the creditor still owns the account or has sold it, and get the current owner's name in writing.
• Call the original creditor. A provider or business that placed the bill can confirm what it shows as owed, and whether an insurance payment, refund or credit was applied.
• Look at the date of the last payment. In Texas, most consumer debt claims must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer cannot sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Limitation periods differ in other states.

What Elevate Recoveries Can and Can't Do

A company whose business is collecting debts owed to others is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). In Texas it is also covered by the Texas Debt Collection Act.

• It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
• It may not discuss the debt with your relatives, neighbors or co-workers, apart from limited location inquiries (15 U.S.C. § 1692c(b)). See whether a collector can contact your family or employer.
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• It may not threaten to garnish wages for an ordinary consumer debt in Texas, which the Texas Constitution doesn't allow (Tex. Const. art. XVI, § 28).

We did not find a CFPB enforcement action against Elevate Recoveries. If you think a collector crossed these lines, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Elevate Recoveries or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Texas Secretary of State: debt collector bond search (Elevate Recoveries LLC, file 20130003)
• BBB business profile: Elevate Recoveries, LLC (address, start date, principals)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Elevate Recoveries, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Elevate Recoveries has violated any law. Company details change; tell us if something here is out of date.