Spire Recovery Solutions: Who They Are and Your Rights

Type

Collection agency

Also known as

Spire Recovery Solutions LLC; Torriere Holdings Inc.; Torriere Holdings INC

Headquarters

Lockport, NY

Website

spirerecoverysolutions.com

272 debt collection complaints were sent to the Consumer Financial Protection Bureau about Torriere Holdings INC 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 Spire Recovery Solutions?

Spire Recovery Solutions LLC is a collection agency based at 57 Canal Street in Lockport, New York, a city outside Buffalo. New York Department of State records show it was formed as a New York limited liability company on February 28, 2014. Its BBB business profile lists the same start date and describes it as "a full-service debt collection agency serving third-party creditors in the receivables industry." The BBB profile lists these services:

• consumer account resolution
• early-stage and late-stage recovery
• receivables management

The BBB names Joseph Torriere as president.

The CFPB's complaint database doesn't use the Spire name. It lists complaints under Torriere Holdings Inc., a New York business corporation formed on February 22, 2013. State records name Joseph Torriere as its chief executive and give 57 Canal Street, Suite 301, Lockport, as its executive office address, in the same building as Spire. Torriere Holdings' agent for service of process is Rodney Giove, whom the BBB lists as Spire's director of compliance. Based on these shared people and addresses, we treat the two names as the same collection business. If a letter you received uses a different name, rely on the name in the letter.

The company's website blocked our automated access, so we couldn't confirm a phone number from it. We did not find a CFPB enforcement action under either name.

Why Spire Recovery Solutions May Be Contacting You

Spire doesn't publicly name its clients in the records we reviewed. In the CFPB database, complaints under the Torriere Holdings name come from consumers across the country, especially Florida, Texas, Michigan and Georgia. Many describe the account as payday loan debt or "other" debt. A contact from Spire may therefore concern a short-term or online loan that went unpaid, though the validation notice is the only reliable way to know which creditor is behind your account.

How to Check a Debt Spire Recovery Solutions Says You Owe

Online and payday loans are a frequent source of collection errors, including balances that were already paid, loans that were never taken out and amounts that keep growing. Before paying:

• Get the validation notice and compare the named creditor and loan number with your records (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See what the notice must include.
• Dispute in writing within the validation period if you don't recognize the loan, believe it was paid, or think someone took it out in your name.
• Pull your bank statements to check for automatic withdrawals the lender already collected.
• Ask who owns the debt and whether it was sold, and ask for the original loan agreement.
• Check the age of the debt. Texas generally limits suits on a debt to four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states have different limits.

What Spire Recovery Solutions Can and Can't Do

A company that collects debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA applies to its consumer accounts. Among the rules:

• It can't threaten arrest or criminal charges for an unpaid loan (15 U.S.C. § 1692e(4)). See threats of arrest or jail.
• It can't call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)), and it must honor your request to stop texts or emails.
• It can't use a name other than its true name when collecting (15 U.S.C. § 1692e(14)).
• It can't collect interest or fees your loan agreement or the law doesn't allow (15 U.S.C. § 1692f(1)).

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 Spire Recovery Solutions 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

• New York Department of State entity record: Torriere Holdings Inc. (DOS ID 4364430)
• New York Department of State entity record: Spire Recovery Solutions LLC (DOS ID 4536420)
• BBB business profile: Spire Recovery Solutions LLC (business facts only)
• CFPB consumer complaint database: Torriere Holdings INC
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: Torriere Holdings INC, debt collection

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