Spire Recovery has contacted me about a credit card from 2007 or so that i apparently still owe. I have not used that card in many years and it has been taken care of. After researching this company, I am not alone. I was very calm on the phone to ask them to send me formal documentation via mail and they have not. They claim that they did and that I 'm avoiding payment. The number is XXXX and XXXX based out of New York. They are threatening to diminish my credit. I refuse to pay over the phone for a claim that has not been formally given to me. They asked if I had a lawyer.