There’s only one reason for a debt collector to contact you—they think you owe them money. So if American Profit Recovery is calling you, they probably hope to pressure you into paying up.
No one likes dealing with debt collectors, and it’s easy to feel stressed and intimidated by them. However, if you hear from a debt collection agency, it’s important to stay calm and know your rights. Otherwise, you could get bullied or scammed.
Read on to find out more about what you should do if American Profit Recovery contacts you.
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What is American Profit Recovery and why are they calling me?
Founded in 2004, American Profit Recovery (APR) is a debt collection agency, which means it’s a company that collects bills and overdue debts on behalf of other businesses. American Profit Recovery has offices in Michigan and Massachusetts, and it offers debt collection services for various businesses of various types and sizes.
Which industries does American Profit Recovery collect debts for?
American Profit Recovery collects debts for businesses from a broad range of industries, including:
- Banking and financial services
- Medicine
- Dentistry
- Funeral care
- Schools
- Fuel/gas
- Plumbing and heating
- Landscaping / lawn care
Is American Profit Recovery a scam?
No, American Profit Recovery isn’t a scam. It’s a real debt collection agency. They’re also a member of ACA International (the Association of Credit and Collection Professionals), which is a trade association for professional businesses and individuals who work in the industry. 1
However, just because a debt collection company is legitimate doesn’t mean it won’t use unethical tactics. Debt collectors are well-known for being aggressive when they’re chasing debt repayments.
What’s more, American Profit Recovery has been in legal trouble previously for violating the Fair Debt Collection Practices Act (a law that protects borrowers from predatory debt collectors and unfair or abusive debt collection practices). 2 So make sure you read up on your rights—which we’ll go over below—before you interact with American Profit Recovery or any debt collection agency.
Also bear in mind that scammers sometimes impersonate real debt collection companies to trick unsuspecting victims into paying off debts they may not even owe. To be safe, don’t make any payments before ensuring that the debts in question are valid. You can do this by:
- Confirming that you’ve received debt validation before you proceed.
- Contacting American Profit Recovery directly using the contact information provided below.
How to deal with American Profit Recovery
Ready to take control of your debt with American Profit Recovery? Choose the methods you want to attempt below.
Dispute Collections If the debt is inaccurate, learn how to remove the collection from your credit report. | Stop Harassment If your rights are being violated, learn how to fight back using protections under federal law. |
Verify Debt If you're not certain the debt is yours, request more information (and temporarily stop collection efforts). | Pay Debt Collector If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing. |
