American Profit Recovery is a debt collection agency that was originally incorporated in Massachusetts in 2003. American Profit Recovery collects a variety of debts that include medical, dental, banking, lawn care, veterinary services, and other professional services debts.
Here is the basic contact information for this collection agency:
Address: 31 Hayward St, Suite 2A-213, Franklin, MA 02038-2169
Additional Address: 34505 W. 12 Mile Rd, Suite 333, Farmington Hills, MI 48331-3288
Phone Numbers: (248) 948-1234 (Main), (800) 711-0023 (Toll Free), (248) 948-0600 (Consumer Line)
Website: www.americanprofit.net
Years in Business: 22 (incorporated October 28, 2003)
American Profit Recovery reportedly serves between 3,500 and 7,500 clients across the U.S. and employs about 60 employees. In February 2025, American Profit Recovery merged with All Debt Solutions of Massachusetts.
Does American Profit Recovery have a history of harassing consumers?
Despite its A+ rating from the Better Business Bureau, American Profit Recovery has a history of consumer complaints and federal litigation. Over 30 federal lawsuits have been filed against the company for alleged violations of the Fair Debt Collection Practices Act (FDCPA).
Key cases include Wheeler v. American Profit Recovery, Inc. (Case No. 4:15-cv-00368, E.D. Missouri, 2015), Gnesin et al v. American Profit Recovery, Inc. (Case No. 4:2012cv12595, E.D. Michigan, 2012), and Walker v. American Profit Recovery (Case No. 1:23-cv-02156, M.D. Pennsylvania, filed December 2023).
According to the complaint history compiled by the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau, there have been 142 documented complaints. The Better Business Bureau reports that American Profit Recovery responded to 86% of complaints, and 14.3% were successfully resolved. American Profit Recovery’s BBB complaint breakdown reveals concerning concentrations: 47.6% involve billing issues, 26.2% involve order issues, and 13.1% involve service problems.
What tactics does American Profit Recovery use?
Like many debt collection agencies, American Profit Recovery likely uses various tactics to attempt to coerce consumers into paying debts. Here are some of the common myths that debt collection agencies use to try to get consumers to pay debts.
What are some common myths that American Profit Recovery uses?
Myth 1: If I don’t pay this debt now, my credit will be ruined.
One of the most common tactics that debt collectors use is to threaten your credit. Debt collectors want you to believe that if you don’t pay a debt immediately, they will ruin your credit. This isn’t necessarily true.
When you pay a collection account, the account’s status is updated to “paid.” However, the original delinquency that led to the collection account being opened will still be on your report, and the account will remain on your report for up to seven years from the original delinquency date.
According to a study by U.S. PIRG, 79% of credit reports contain either mistakes or serious errors. This means that the debt that American Profit Recovery is trying to collect from you may have errors that would render the entire account invalid. By paying the debt before verifying its accuracy, you’re giving up your leverage and potentially paying a debt that you do not legally owe.
Myth 2: I’m shirking my responsibilities if I don’t answer this collector’s phone calls.
Collectors will often try to make you feel guilty for not answering their phone calls. However, it’s completely within your rights as a consumer to block communication with a debt collector. In fact, it’s often the best course of action that you can take.
Under the FDCPA, you have the right to request that a debt collector cease communication with you. Once you have made this request in writing, the debt collector is not allowed to contact you except to tell you that they’ve received your request or to inform you about specific legal actions that they’re taking.
According to the complaint history from the Consumer Financial Protection Bureau, consumers have accused American Profit Recovery of calling them excessively and harassing them. One consumer complaint filed with the Better Business Bureau said, “The agent from American Profit Recovery violated the FDCPA. They threatened to revoke my license if I didn’t pay the debt immediately.”
What are some red flags that you may be dealing with an unscrupulous collection agency?
Some behaviors are a dead giveaway that a debt collector may not be operating above board. Here are some common red flags to watch out for:
The debt collector demands immediate payment without sending you a debt verification letter.
The debt collector threatens to sue you or have you arrested.
The debt collector refuses to provide you with written information about the debt.
The debt collector uses abusive language or threatens you.
The debt collector ignores a cease communication request.
These behaviors are not only unethical — they’re actually illegal. One documented case involved a consumer who authorized a $250 monthly payment but discovered APR had withdrawn $1,650 without permission. Here are some other behaviors to watch out for as well as steps you can take to verify the debt and protect yourself.
What to do if you are being targeted by American Profit Recovery.
Step 1: Send a debt verification letter.
When American Profit Recovery contacts you to collect a debt, you should immediately respond by sending a debt verification letter. This letter should include:
A statement that says you are disputing the debt and requesting verification.
A demand for information about the original debt including contact information for the original creditor as well as the amount and age of the debt.
A statement that you want all communication to be in writing.
You can find sample letters to send to a debt collection agency online or have a credit repair expert help you.
Step 2: Review the debt validation letter.
If American Profit Recovery is a reputable collection agency, it should respond to your debt verification letter by sending you a debt validation letter. This letter should include all of the information that you requested about the debt.
It’s essential that you carefully review the debt validation letter for any inaccuracies or discrepancies.
One BBB complaint from November 2025 illustrates the severity of potential errors. The consumer stated: “Against [the original creditor’s] wishes, American Profit Recovery put a ‘major derogatory default’ on my credit report... My credit score dropped from 841 to 731.”
If you find any errors in the debt validation letter, you should immediately bring those errors to the attention of the credit reporting bureaus and the Federal Trade Commission.
Some other resources where you can file a complaint about American Profit Recovery include:
Your state Attorney General’s office
The Consumer Financial Protection Bureau (CFPB)
The Federal Trade Commission (FTC)
Your local consumer protection agency
If you are not sure whether the information in the debt validation letter is accurate or you don’t know how to proceed, you may want to consult a credit repair expert who can help you navigate the process and repair your credit report.
Step 3: Protect your rights.
It’s essential that you understand your rights as a consumer when dealing with a collection agency. Here are some key things that you need to know:
You have the right to an accurate credit report.
If American Profit Recovery is attempting to collect an inaccurate debt from you or has made errors on your credit report, you have the right to dispute those errors and have them removed from your report.
You have the right to protection from harassment and abuse.
You have the right to ask a debt collector to stop contacting you.
You have the right to sue a debt collector for violations of your rights.
If you’re not sure how to protect your rights as a consumer, you may want to consult a credit repair expert who can help you navigate the process and advocate on your behalf to the credit reporting bureaus and to debt collectors like American Profit Recovery.
Step 4: Consider working with a credit repair agency.
Finally, if you are overwhelmed by debt collection calls, a credit repair agency may be able to help you.
Credit repair agencies specialize in advocating for consumers and helping them repair their credit reports. They will work with you to:
Obtain your credit report from each of the three credit reporting bureaus.
Identify errors and inaccuracies on your report.
Dispute those errors and work with the credit reporting bureaus to remove them.
Advocate on your behalf to debt collectors like American Profit Recovery.
If you need help navigating the process and repairing your credit report, consider working with a credit repair agency.
Protect your credit and financial well-being
Ultimately, protecting your credit and financial well-being is up to you. By understanding your rights as a consumer and being proactive about monitoring your credit report and addressing any errors that you may find, you can help protect yourself from predatory debt collectors and ensure that your credit report is accurate.
So what are you waiting for? Start your journey to a better credit report and financial well-being today. Contact us at FightCollections.com to learn more.
