Debt Collection Frequently Asked Questions 

There are a lot of misconceptions and concern surrounding debt collection and the debt collection industry. To help clear things up, we have collected a list of questions our representatives are frequently asked.

Questions About Stoneleigh Recovery Associates

Q: Who is Stoneleigh Recovery Associates?

A: Founded in 2007, Stoneleigh Recovery Associates provides nationwide debt collection services on behalf of our clients.

We are a BBB Accredited Business and a Certified Professional Services Management Company by RMA International. We are a member of ACA International and HFMA. SRA is committed to excellence and customer service in all aspects of the collections process.

Q: Is Stoneleigh Recovery Associates a scam?

A: Stoneleigh Recovery Associates does not scam. SRA is a legitimate small business, employing close to 100 hard-working individuals. We are a licensed, bonded and insured debt collection company. We are accredited by the BBB. SRA is also a Certified Professional Receivables Management Company by RMA International and a member of ACA International and HFMA. SRA abides by all local, state and federal laws regulating our business.

Unfortunately, there are some agencies that do not follow the FDCPA’s guidelines and hurt the reputation of debt collections agencies that do. We pride ourselves on being professional, courteous and helpful. If you believe that one of our representatives has acted against the FDCPA, either through contacting you inappropriately or in another way, please let us know immediately.

Questions About Your Debt

Q: I recognize the debt but the outstanding amount does not seem to be right. What should I do?

A: We do not want you to pay an amount that you don’t owe. Give us a call and one of our representatives can help you.  Call us at 866-724-2330 from 8:00 a.m. to 8:00 p.m. CST Monday through Thursday, and 8:00 a.m. to 5:00 p.m. CST on Fridays.

Q: I do not recognize this debt as mine. What should I do?

A: Sometimes, the debt may be legitimate but you do not recognize it because the company you owe the debt to has gone through a name change or has been acquired by a larger company. In these cases, the debt is still legitimate.

If you believe the debt we have contacted you about is not yours, let us know by filling out the contact us page. If you have questions or would like to dispute your debt, please or call 866-724-2330 for help. It may help to send us any documentation you have by email at or mail P.O. Box 1479, Lombard, Illinois 60148.

Q: Which collection agency do I owe?

A: In many cases, it is likely that the collection agency you owe money to has already tried to contact you. Pay close attention to your mail and phone messages to find out the name of the collection agency and what specific account they are attempting to collect. Another option is to contact the original creditor to inquire about which company is currently managing your debt.

Questions About Payment

Q: How can I pay off my debt?

A: You pay off your debt through Stoneleigh Recovery Associates. The company you originally incurred the debt with has contracted us to resolve your account.

The easiest way to pay off your debt is by working with one of our representatives over the phone at 866-724-2330 from 8:00 a.m. to 8:00 p.m. CST Monday through Thursday, and 8:00 a.m. to 5:00 p.m. CST on Fridays. Most accounts are resolved this way. A representative can even work with you to create a payment plan. You may also pay online through our payment portal page or by mail.

Q: I cannot afford to pay this debt. What can I do?

A: We seek to help you with your debt and take a step toward having more control of your financial future. We do not require that you pay off the debt you owe all at once, and we do not want you to pay more than you are able to at any one time. At your request, one of our representatives can create a reasonable, automated payment plan for you. You can also make payments to your account online at your convenience via our online payment portal.  All you need to know is your SRA file number.

Q: Can I pay a debt collector with a credit card?

A: We try to make it as easy as possible to make a payment, which is why we offer both debit and credit card processing through our online portal. If needed, we can even work with you to create a custom payment plan. For more information, contact our one of our representatives at 866-724-2330 from 8:00 a.m. to 8:00 p.m. CST Monday through Thursday, and 8:00 a.m. to 5:00 p.m. CST on Fridays.

Q: Do I have to pay debt collectors?

A: If you owe money to a creditor, it is your responsibility to pay it. There can be negative consequences for choosing not to pay a debt that has fallen into collections. At Stoneleigh Recovery Associates, we try to make paying your debt as easy as possible. We offer multiple ways to pay online or via phone at 866-724-2330. If you are in financial trouble and need help managing your payments, give us a call today to speak with a representative about your options.

General Debt Collection Questions

Q: What hours can a debt collector call?

A: The Fair Debt Collection Practices Act mandates that debt collectors cannot contact individuals at an unusual time or place. For most purposes, this means our representatives can only call you between 8 a.m. and 9 p.m.

If one of our representatives called you repetitively or at inappropriate times, please let us know through our contact form. If you would like our representatives to stop calling you, you may submit your number to our stop calling me list.

Q: Can collection agencies call you at work?

A: Generally, debt collectors are permitted to contact you at your workplace.  If you specifically request not be called at work, a debt collector must honor your request and stop calling your workplace. Additionally, the FDCPA states that if a collection agency has “reason to know” your employer does not approve of such calls, then they are no longer permitted to contact you at work. Some states have more restrictive rules on calling your employer that a debt collector is obligated to follow. By notifying the debt collector of your employer’s policy, you will be able to stop or prevent future calls to your workplace.

At Stoneleigh Recovery Associates, we strive to provide excellent customer service and set our policies and procedures to exceed the requirements established by the FDCPA and state or local laws.

If you want to stop calls to your employer, please let us know by filling out our contact form or you may submit your work number to our stop calling me list.

Q: How do I find out what I have in collections?

A: If you currently owe money to a creditor, it is likely you have received mail or phone messages about your debt. These messages contain important information and instructions on who to contact to talk about your account. To figure out what your current balance is with Stoneleigh Recovery Associates, give us a call at 866-724-2330. We are available to assist you from 8:00 a.m. to 8:00 p.m. CST Monday through Thursday, and 8:00 a.m. to 5:00 p.m. CST on Fridays.

To find out whether any accounts in collections have been reported to your credit, you should start by pulling your free credit report at It is good financial management to pull your credit report each year to check on the status of all of your open accounts, even if you believe all of your accounts are current. If there are any accounts in collections being reported, you will be able to find information on the creditor, which you can use to contact them regarding any outstanding balances, disputes or other questions.