Debt collection can be a confusing and stressful experience, and facing contact from ASG Recovers might leave you wondering if they are legitimate. While they are not a scam, understanding their practices and your rights is crucial for navigating this situation effectively.

What is ASG Recovers?

ASG Recovers is a debt collection agency established in 1996 and headquartered in New York. They specialize in acquiring and collecting delinquent debts from original creditors across various industries, including credit cards, medical bills, and utilities.

Are they legitimate?

ASG Recovers is a legitimate debt collection agency licensed in all 50 states. They operate under the Fair Debt Collection Practices Act (FDCPA), a federal law regulating debt collection practices. However, their aggressive tactics and persistent communication can sometimes feel overwhelming, leading to concerns about legitimacy.

Common Complaints against ASG Recovers:

While legitimate, ASG Recovers has faced criticism and complaints from consumers regarding:

• Frequent and persistent calls: They may contact debtors multiple times a day or week, which can be considered harassment under the FDCPA.
• Unprofessional communication: Some reports mention unprofessional or rude behavior from their representatives.
• Misrepresentation of debt information: There have been cases where they misrepresent the amount owed or the original creditor.

What to do if you receive a notice from ASG Recovers:

1. Verify the Debt: Don't assume the debt is accurate. You have the legal right to request verification from ASG Recovers or the original creditor. This ensures the debt belongs to you and the amount is correct.
2. Understand Your Rights: The Fair Debt Collection Practices Act (FDCPA) empowers you to:
   • Request written verification of the debt within 30 days of receiving the notice.
   • Stop unwanted communication by sending a written "cease and desist" letter.
   • Dispute the accuracy of the debt information with specific reasons and supporting documentation.
3. Respond Proactively:
   • If you acknowledge the debt, consider negotiating a payment plan.
   • If you dispute the debt, send a written dispute letter within 30 days.
   • If they violate your rights under FDCPA, file a complaint with the Consumer Financial Protection Bureau (CFPB).

Alternatives to dealing with ASG Recovers:

• Contact the original creditor directly: If possible, reach out to the original creditor and discuss your situation directly. They may be more willing to negotiate a payment plan or offer hardship options.
• Seek legal assistance: Consulting an attorney specializing in debt collection can help you understand your rights, navigate the process, and protect yourself from potential violations.

Remember:

• Don't ignore the situation: Ignoring the situation will not make it disappear and could lead to further consequences like lawsuits or wage garnishments.
• Communicate professionally: Maintain a professional tone when communicating with ASG Recovers, even if you disagree with their tactics.
• Keep detailed records: Maintain a file with all communication, including phone calls, emails, and letters. This will be crucial if you need to dispute any claims or take legal action.

While ASG Recovers is a legitimate debt collection agency, understanding their practices and knowing your rights is essential to navigating the situation effectively. If you have concerns or suspect any wrongdoing, don't hesitate to file a complaint with the CFPB or seek legal guidance.