Stellar Recovery
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If you contact Stellar Recovery, Inc. by e-mail, we will make every effort to reply to your inquiry via e-mail, supply you with the information requested, and make any changes or adjustments to your account or contact information based on the information you supply.


We will not negotiate payment plans via e-mail.  If you request information regarding setting up a payment plan, we will provide you with the phone number for the correct department to contact.  If you should have questions regarding your rights as a consumer, we suggest you visit the following websites, They should be able to answer many of your questions: or Consumer Rights under FDCPA.  You may also click on the following link for an informational video, ACA International Video.  Or, you may contact our Chief Compliance Officer, Rachel Frady, by mail at Stellar Recovery Inc., 1327 Highway 2 West, Suite 100, Kalispell, MT 59901 or by email at You may also contact Stellar's Compliance Department by mail at 4500 Salisbury Road, Jacksonville, Florida 32216, Attention: Compliance Department or via email at







Credit Reporting Questions:

Dispute Email: 

Stellar Recovery offers a direct email address for DISPUTE RESOLUTION that you may email and a Dispute Specialist will review your file and respond in an effort to resolve your inquiry. Please allow
1 -2 business days for us to review your inquiry and respond.

Terms and Conditions of E-mail Communications: Stellar Recovery, Inc. is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. By sending an e-mail to Stellar Recovery, Inc. you agree that Stellar Recovery may respond to you by e-mail, at the e-mail address you have provided. By pressing “accept”, you are agreeing to the terms and conditions.

Stellar Recovery, Inc. is a proud member of the following: