Recovery Solutions Group on Your Credit Report: What to Know

If Recovery Solutions Group (RSG) has appeared on your credit report or left you a voicemail, there are a few things worth knowing before you respond. RSG operates primarily as a commercial debt collector, but some of their accounts involve individual homeowners and HOA members who have full consumer protection rights.

A former RSG employee also confirmed publicly that the company does not send required initial validation notices. That’s a documented FDCPA violation worth knowing about.

This guide walks through who RSG is, why they’re contacting you, and how to respond.

Who Is Recovery Solutions Group?

Recovery Solutions Group, LLC (also known as RSG Group, LLC) is a debt collection agency incorporated in February 2012 and based in Milford, Delaware. The company is led by CEO Bill Richards and General Manager Michelle Shaw. RSG is BBB-accredited with an A+ rating and is a member of the Restoration Industry Association (RIA), a trade group for fire and water damage restoration companies.

RSG focuses primarily on commercial and B2B debt recovery. Most of their positive reviews come from businesses that hired RSG to collect from other businesses. Consumer-facing complaints describe a different experience entirely.

What RSG Collects and Why It Matters

RSG’s service lines include:

• Fire and water damage restoration: Unpaid invoices from restoration contractors after property damage cleanup.
• HOA assessment recovery: Unpaid homeowners association dues and special assessments.
• Merchant cash advance recovery: Commercial financing balances from business borrowers.
• International commercial collections: Cross-border B2B debt recovery.

The distinction between commercial and consumer debt matters significantly here. The Fair Debt Collection Practices Act (FDCPA) fully protects individual consumers but provides more limited protection for business debts.

If RSG is pursuing you for restoration work done at your personal residence, for unpaid HOA dues, or for any other personal obligation, you have full FDCPA protection. If the debt relates to your business, FDCPA protections may be more limited, though state consumer protection laws may still apply.

The Missing Initial Notice Problem

A former RSG employee posted publicly that the company does not send required initial validation notices to consumers. Under the FDCPA, debt collectors must send written notice within 5 days of first contact. This notice must include the amount of the debt, the name of the creditor, and your right to dispute within 30 days.

If RSG has been calling you but you’ve never received a written notice with those details, that’s a potential FDCPA violation. Document every call you’ve received and the date you first heard from RSG. If no written notice arrived within 5 days of first contact, that documentation supports a complaint.

The Vague Voicemail Pattern

A documented BBB complaint describes RSG leaving voicemails that identify only “RSG” without stating the company’s full name, the reason for calling, or that the call is from a debt collector. Federal law requires debt collectors to disclose that any communication is an attempt to collect a debt and to identify themselves clearly.

Vague voicemails that omit this disclosure may themselves be FDCPA violations. Save every voicemail RSG leaves. Note the date, time, and exact wording. These recordings are evidence if you need to file a complaint or pursue legal action.

What RSG Cannot Do Under Federal Law

For consumer debts, the Fair Debt Collection Practices Act (FDCPA) applies. Under federal law, RSG cannot:

• Threaten arrest or jail: Consumer debt is not a criminal matter.
• Call at odd hours: Contact is only allowed between 8 a.m. and 9 p.m. in your time zone.
• Contact you at work after you say stop: Written cease-contact requests must be honored.
• Leave vague voicemails without proper identification: Mini-Miranda disclosures are required.
• Fail to send an initial written notice: Required within 5 days of first contact.
• Threaten property liens or wage garnishment without a judgment: Doing so without actual legal authority is an FDCPA violation.

The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information. File complaints at consumerfinance.gov if RSG violates your rights. Delaware residents can also file with the Delaware Department of Justice Consumer Protection Unit.

Verify Whether RSG Should Even Be Collecting From You

Given that RSG primarily collects commercial debts, there’s a meaningful chance their contact is misdirected. A documented BBB complaint describes a consumer with an 807 credit score and zero outstanding debts receiving repeated calls from RSG. When the consumer investigated, nothing appeared on their credit report.

If you have no outstanding restoration, HOA, or similar debts and RSG is calling you, you may be a case of skip tracing error, wrong number, or identity confusion. Document everything and send a written cease-contact letter by certified mail before engaging further.

Verify the Debt Before Paying Anything

If RSG is pursuing a debt you actually recognize, don’t pay or admit it’s yours until you’ve verified it. Send a written debt validation request by certified mail within 30 days of first contact. Ask for:

• The original creditor and the nature of the debt.
• The exact amount claimed with a breakdown of all charges.
• Documentation showing RSG’s authority to collect.
• Confirmation that an initial written notice was sent within 5 days of first contact.

That last point is especially important given the former employee’s disclosure.

How to Check Your Credit Report for RSG Errors

Pull your credit reports from all three bureaus at AnnualCreditReport.com. Is the balance correct? Is it listed under the right original creditor? Does the account type accurately reflect whether this is a personal or business debt?

Any inaccuracy is grounds for a dispute with each credit bureau.

How Long Can RSG Legally Pursue the Debt?

Delaware has a 3-year statute of limitations on most consumer debts. If you no longer live in Delaware, the relevant state is typically where you currently reside. Making a payment or acknowledging the debt in writing can reset the clock.

Your Options for Resolving an RSG Account

Once you’ve verified the debt, consider these paths:

• Dispute if the debt isn’t yours or is misdirected: Given RSG’s documented wrong-contact pattern, disputes often succeed here.
• Go to the original creditor: For restoration debts, contacting the contractor directly may produce faster resolution, especially if the dispute involves insurance coverage.
• Negotiate a settlement: RSG works on contingency and has incentive to settle. Get any agreement in writing.
• File a complaint for violations: If RSG failed to send an initial notice, left vague voicemails, or threatened improper actions, the violation itself may be worth pursuing with a consumer attorney.

If RSG Files a Lawsuit

RSG can sue within the statute of limitations and has access to a national attorney network. If sued, do not ignore the complaint. Respond within the deadline and consult a consumer protection attorney.

How to Contact Recovery Solutions Group

Handle all communication in writing whenever possible. Here’s how to reach them:

• Address: Recovery Solutions Group, LLC, 1008 Mattlind Way, Milford, DE 19963
• Phone: (302) 241-0686

Bottom Line

RSG is a specialized commercial collector whose consumer-facing practices have drawn documented complaints about missing validation notices and vague voicemails. Before paying anything, verify whether you actually owe the debt, check whether proper notices were sent, and save every voicemail for documentation.

If RSG is contacting you about a debt you don’t recognize, the odds of misdirected contact are higher here than with most agencies.