American Profit Recovery


Is American Profit Recovery hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is American Profit Recovery, Inc.?

American Profit Recovery, Inc. (APR), is a significant player in the debt collection industry in the United States. The company is headquartered in Farmington Hills, Michigan, with an additional operational base in Franklin, Massachusetts.

If you find APR listed on your credit report, it means that a debt you owe has been transferred from the original creditor to this agency for collection. The listing may have been added because a bill was forgotten or neglected and was left unpaid for an extended period of time. In such instances, the original creditor may give up their own collection efforts and pass the debt onto a specialized agency like APR.

Who does American Profit Recovery collect for?

American Profit Recovery collects on behalf of many different types of businesses. They service a wide range of industries, including but not limited to:

  • Business-to-Business (B2B) and commercial entities.
  • Medical and healthcare institutions, including chiropractors and dental practices.
  • Financial institutions, which might include banks, credit unions, or other lending organizations.
  • Various service providers, such as fuel/gas distributors, funeral homes, lawn care/landscaping companies, and restoration companies.
  • Educational institutions, from preschools to universities.
  • Veterinary practices, both small and large.

Is American Profit Recovery legit or a scam?

American Profit Recovery is a legitimate company. However, the frequency and persistence of their collection attempts can sometimes lead individuals to question their legitimacy.

It’s also worth noting that while APR itself is a legitimate company, scammers may sometimes pose as debt collectors. Always verify any debt and the debt collector before making a payment.

How can I remove American Profit Recovery from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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American Profit Recovery Contact Information


American Profit Recovery
34505 W 12 Mile Rd Ste 333
Farmington Hills, MI 48331

American Profit Recovery
31 Hayward St. Suite 2A-213
Franklin, MA 02038

Phone number: (877) 634-8900

Should I contact or pay American Profit Recovery?

Before contacting a debt collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with American Profit Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Profit Recovery on behalf of their clients.

Will American Profit Recovery sue me or garnish my wages?

American Profit Recovery does possess the ability to initiate legal action for unpaid debts. However, pursuing a lawsuit is typically considered a last resort, as it can be time-consuming, costly, and resource-intensive for the agency.

If APR does decide to sue and subsequently wins a judgment against you, they could potentially garnish your wages, depending on the specific laws and regulations governing wage garnishment in your state.

American Profit Recovery, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with American Profit Recovery, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with American Profit Recovery, Inc.

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for American Profit Recovery to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • American Profit Recovery cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • American Profit Recovery must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • American Profit Recovery cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove American Profit Recovery From Your Credit Report Today!

Credit Saint can help you dispute American Profit Recovery accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

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