Aspen National Collections


Is Aspen National Collections hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Aspen National Collections?

Aspen National Collections, also known as Aspen National Financial, is a nationwide debt collection agency. They operate from two main locations in the United States, Grand Junction, Colorado, and Brooksville, Florida. Their primary role is to collect outstanding debts on behalf of creditors.

If you see ANC listed on your credit report, it indicates that you have an unpaid debt that has been transferred to this agency for collection.

Who does Aspen National Collections collect for?

Aspen National Collections has a diverse clientele, and they specialize in a few specific areas. One of their primary areas of focus is timeshare collections, dealing with debts related to vacation and resort properties.

Additionally, they work on collecting unpaid student loans, a common type of debt in the United States. They also handle debts from utilities like electricity, gas, and water companies, and other consumer debt, which can encompass a wide range of unpaid bills from various service providers.

Is Aspen National Collections legit or a scam?

Aspen National Collections is a legitimate company. However, their methods of operation may include repeated calls, texts, or emails in an attempt to recover the debt, which can sometimes be perceived as spam or overly persistent.

How can I remove Aspen National Collections from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Aspen National Collections Contact Information


Aspen National Collections
827 Rood Ave
Grand Junction, CO 81501

Aspen National Collections
18110 Powell Rd
Brooksville, FL 34604

Mailing address:

Aspen National Collections
PO Box 10689
Brooksville, FL 34603

Phone number: (800) 981-9420

Should I contact or pay Aspen National Collections?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Will Aspen National Collections sue me or garnish my wages?

Like many debt collection agencies, Aspen National Collections (ANC) does have the legal right to sue for unpaid debts. This course of action, however, is generally used as a last resort due to the time, cost, and resources involved.

If they choose to sue and are successful in their suit, they could potentially be granted a judgment against you. With this judgment, depending on the laws in your state, they could potentially garnish your wages to recover the debt.

Aspen National Collections Complaints

Most collection agencies have numerous complaints filed against them 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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Aspen National Collections

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for Aspen National Collections 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Aspen National Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Aspen National Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Aspen National Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Aspen National Collections From Your Credit Report Today!

Credit Saint can assist you in disputing Aspen National Collections accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.