If You Keep Seeing This Number, You're Not Going Crazy
If you've been called by 856-925-1010, it's probably Quality Asset Recovery. They're calling you because they think you owe a debt that their client has placed with them for collection, usually a medical bill, an apartment balance, or a municipal charge. Whether you actually owe the debt, or whether it's too old to collect, or whether it even belongs to you at all, the calls won't stop until you do something about it.
Quality Asset Recovery, or QAR, is a third-party debt collection agency based in southern New Jersey. They don't lend money and they don't provide medical services. They collect debt on behalf of hospitals, medical groups, apartment complexes, and municipal governments.
What consumers don't always realize is that the collection account showing up on your credit report does more long-term damage than the calls themselves. A single collection account can lower your credit score for years. Understanding who's calling, and why, is the first step to getting your power back.
Who is Quality Asset Recovery?
Full Name: Quality Asset Recovery, LLC (QAR)
Type of Company: Third-party debt collection agency
Main Focus: Medical debt, apartment/rental debt, municipal debt, B2B debt
Address: 7 Foster Avenue, Suite 101, Gibbsboro, NJ 08026
Founded: November 1, 2002
Size: 14-20 employees; $1.5-$2.5M annual revenue (estimated)
BBB Rating: B+ (not accredited); 37 complaints in the past 3 years
Known Clients: Hospitals, medical groups, apartment complexes, Township of Middle EMS (Cape May, NJ)
Notable: Women-owned small business, privately held, single-location business
Their Reputation Precedes Them
You're not the first person to be frustrated by calls from this number. RoboKiller has recorded over 37,000 calls from 856-925-1010, and rates it as having a "Negative" reputation. Nomorobo identified this number as a robocaller back in December of 2014, and it's still going strong. The FTC has received 38 complaints about this number, of which 44% identified it as a robocall.
Despite employing fewer than 20 people, Quality Asset Recovery has been named as a defendant in over 30 federal lawsuits. The overwhelming majority of them accuse QAR of violating the Fair Debt Collection Practices Act. Cases like Cooper v. Quality Asset Recovery (2018), Jackson v. Quality Asset Recovery (2019), and Stafford v. Quality Asset Recovery (2016) were all filed in the District of New Jersey, and all revolve around calling practices that consumers are still complaining about today.
Why is Quality Asset Recovery calling me?
The Top Reasons Why You're Getting These Calls
Quality Asset Recovery works on a contingency basis, which means they only get paid when they collect a debt. This creates a strong incentive to call consumers as often, and as aggressively, as possible. Every call that goes unanswered is money that QAR is leaving on the table.
The single most common reason they're calling you is because of an unpaid medical bill. QAR's largest clients are hospitals, physician groups, and healthcare systems throughout the mid-Atlantic region. They also collect for apartment complexes, on unpaid rent, and for municipalities, on unpaid fees and charges like ambulance transport.
When the debt isn't yours at all
A surprising number of consumers who report calls from 856-925-1010 say that the debt isn't even theirs. One consumer reported getting calls on a brand-new prepaid cell phone, saying: "I have excellent credit and owe nothing. Answered phone and there was a recording saying there was an immediate matter. This is bogus. No one has this number." This isn't an isolated incident, either.
Collection agencies are primarily interested in the quantity of calls they place, not the accuracy of the information they're working with.
When a hospital or a landlord places a batch of accounts with QAR for collection, the data may include cell phone numbers that are no longer valid, names that are misspelled, or accounts that have already been paid or discharged. QAR's job is to dial the phone, not verify the information, and that creates an opportunity for consumers who know their rights.
What they're hoping for
The Panic Response
Debt collectors like Quality Asset Recovery are hoping for a specific reaction when you hear their message. They want you to hear the word "collection" and feel immediately anxious, or scared. That fear is what gets consumers to pay debts they may not even owe, or agree to payment plans on balances that are inflated or fabricated. That fear is also what gets consumers to freeze, and do nothing, while the collection account on their credit report continues to damage their credit score.
One consumer, writing on WalletHub, captured this perfectly: "Identity theft. Company refuses to remove from account after I verified it is not mine. I sent debt verification letter and address they provided is not and never was mine." Even after responding appropriately, QAR left the account intact. The collector was counting on the consumer to throw up their hands.
The Silence Strategy
The other reaction that QAR is hoping for is… nothing at all. Consumers who ignore the calls, and hope they'll just go away, are actually playing right into the debt collector's hands.
Every day that a collection account remains unchallenged on your credit report is another day that it's harming your credit score. The credit reporting bureaus are primarily interested in processing information efficiently, which means that most items get added to your credit report with minimal verification, and remain there until someone formally challenges them.
This is the fundamental secret that debt collectors hope you never learn. The burden of proof needs to be on the collector, not the consumer. Collection accounts need to be challenged by default, because errors in this industry are so common that assuming the information is accurate is the exception, not the rule.
What consumers say about calls from 856-925-1010
Robocalls and recorded messages
One pattern that keeps emerging in consumer complaints is the use of automated messages, and a guy named "Jerry." One consumer reported: "This company has called me twice on my cell phone for no reason. They have an automated response that asks you to wait to speak to someone named Jerry." Other consumers describe a similar script, referencing a guy named "Terry Moreland." The use of prerecorded messages to initiate a collection call raises serious questions under the Telephone Consumer Protection Act.
Misrepresentation and shifting stories
Perhaps the most disturbing pattern, though, involves Quality Asset Recovery misrepresenting who they are. When one consumer returned the call after 10-12 missed calls, they were told: "This is QAR. We're a medical company. I need your date of birth." The consumer hung up after QAR demanded their personal information without identifying themselves as a debt collector. Misrepresenting the nature of the call is a clear violation of the FDCPA.
Another consumer reported that QAR changed their story from one call to the next, initially claiming that the consumer owed money to one of their clients, but declining to say which client or how much was owed. Weeks later, QAR called again, this time claiming to represent a local hospital. That kind of inconsistency is a hallmark of debt collectors who are working from incomplete information, and hoping the consumer won't notice.
Your rights, and the way forward
Why disputing through your credit report changes everything
When a collection account from Quality Asset Recovery shows up on your credit report, the most powerful thing you can do is file a credit report dispute. Under the Fair Credit Reporting Act, you have the right to dispute any item on your credit report that you believe is inaccurate, incomplete, or unverifiable. Once you file a dispute, the credit reporting bureau has 30 days to investigate, and must delete the item if they can't verify it.
This is where the game changes, in your favor. When a debt gets sold from a hospital to a third-party collector like Quality Asset Recovery, the paperwork frequently gets lost or corrupted in transit. Purchased and assigned debt often lacks the full paper trail needed to survive a formal dispute.
The credit repair process exploits that weakness, through a systematic approach that we've tested and proven across thousands of collection accounts.
What a credit report dispute actually does
Filing a dispute forces the credit reporting bureau to contact Quality Asset Recovery, and demand that they verify every piece of information about the account. The amount, the dates, the original creditor, and proof that the debt belongs to you – all of it.
For a small agency, with fewer than 20 employees, responding to verification requests within the mandated timeframe is a major operational headache. If Quality Asset Recovery can't provide the documentation within the allotted time, the bureau is required to delete the tradeline.
This isn't a loophole – this is the law, working the way Congress intended when they passed the Fair Credit Reporting Act. You deserve an accurate credit report, and when a debt collector can't prove their claims, those claims have no business affecting your financial future.
Stop the calls, protect your credit
The real cost of doing nothing
Every week that a Quality Asset Recovery collection account remains unchallenged on your credit report is another week that it's dragging down your credit score. Lenders, landlords, and insurance companies all use your credit report when they evaluate you, and make decisions that affect your daily life. The longer you wait, the more leverage the debt collector has.
Quality Asset Recovery is counting on you to either panic and pay them, or do nothing at all. The 37,000 calls we've tracked from this single phone number tell you everything you need to know about their strategy. They're counting on volume, repetition, and consumer inaction to stay profitable.
Take action with FightCollections.com
At FightCollections.com, we specialize in pushing back against debt collectors like Quality Asset Recovery, using targeted credit report disputes. We know the systematic weaknesses in the way debt collectors report information, and the way credit reporting bureaus process that information. We challenge inaccurate, unverifiable, and incomplete tradelines on your behalf.
If you've been getting calls from 856-925-1010, don't engage with the caller. Don't confirm your personal information, and don't agree to pay them anything over the phone.
Instead, visit FightCollections.com today, to learn how a professional credit report dispute can get at the root of the problem, and help you regain control over your financial future.
