If ATG Credit LLC is calling about a bill you do not recognize, you have rights. ATG Credit is a Chicago-based collection agency that has operated since 2000. Consumer complaints and a 2025 state regulatory action raise real questions about how the company currently operates.
Key Takeaways
- ATG Credit LLC is a Chicago debt collector at PO Box 14895, Chicago, IL 60614-0895, founded in 2000. CEO/Owner: Johanna Parra.
- In June 2025, Massachusetts regulators issued a temporary cease-and-desist order against ATG Credit, citing missing financial filings and reported negative net worth.
- ATG Credit has been named in multiple federal lawsuits, including Broome v. ATG Credit (TCPA robocalling claims) and three additional FDCPA cases.
- ATG Credit primarily collects medical debt, insurance-related balances, and general consumer accounts.
- You may be entitled to up to $1,000 per FDCPA violation and $500 to $1,500 per unauthorized robocall.
Free Case Review: +1-844-638-1122
Who Is ATG Credit LLC
ATG Credit LLC is a third-party debt collection agency headquartered at PO Box 14895, Chicago, Illinois. Two collection industry professionals reportedly founded the company in 2000 to build a more consumer-facing collections process. It has been in business for 25 years and lists Johanna Parra as CEO and owner.
ATG Credit’s own site describes services including account resolution, debt dispute handling, and an internal live chat portal. According to BBB records, the company primarily collects medical debt, insurance-related balances, and general consumer accounts. Its reach spans healthcare, financial services, and education sectors.
- Also Known As: ATG Credit LLC, ATG Collections, ATG Credit Company, atgcredit.com. Not the same company as ATG USA LLC (a credit card processor) or GAD Inc, which are separate entities.
- Phone: (866) 784-6258 and (773) 227-6820
- Website: atgcredit.com
- BBB Profile: ATG Credit LLC BBB complaints
In our practice, we check whether a caller is this Chicago agency or a similarly named entity. That distinction matters, because it changes which company you address a dispute or validation letter to.
What Happened With Massachusetts and ATG Credit
No, ATG Credit LLC is not banned nationwide, but it faced serious state-level regulatory action in 2025. On June 4, 2025, Massachusetts regulators issued a temporary cease-and-desist order against the company. [1][2]
- Regulators reportedly flagged ATG Credit for missing required financial audits on the Nationwide Multistate Licensing System.
- State records reportedly showed a negative adjusted net worth over $277,000, below Massachusetts’s licensing threshold.
- The order required ATG Credit to stop collecting from Massachusetts residents and turn over payment records. [1]
In our practice, a cease-and-desist order tells us to check the collector’s license status at contact. Every call made while unlicensed where a license was required may be independently actionable.
A Massachusetts-specific order does not, by itself, establish a violation in another state. Consumers outside Massachusetts should still verify a current license with their own state regulator, since rules vary.
Why Is ATG Credit Calling You
ATG Credit is calling you because a creditor allegedly assigned or sold your account for third-party collection. Based on BBB complaint and review patterns, the underlying debt most often falls into one of these categories.
- Medical debt. Multiple BBB interactions reference pathology bills, hospital balances, and insurance-related disputes. If insurance partially covered a procedure, ATG Credit may be pursuing the remaining balance.
- Insurance coverage disputes. Some consumers report believing insurance fully covered a bill, only to be contacted later about a remaining balance.
- General consumer accounts. ATG Credit also collects on utility and other consumer accounts across several industries.
If this matches your situation, contact your insurer for an Explanation of Benefits before paying anything. Do not pay before you verify the debt. Request debt validation in writing within 30 days of first contact.
What the Lawsuits Against ATG Credit Allege
ATG Credit has been named as a defendant in multiple federal lawsuits, most citing the FDCPA or TCPA. New cases can be filed anytime, so this list reflects documented filings, not a full litigation history.
- Broome v. ATG Credit, LLC, 1:16-cv-02869 (N.D. Ill.): The complaint alleges ATG Credit used an automatic telephone dialing system and prerecorded voice messages to call consumers’ cell phones without prior written consent.
- Evans v. ATG Credit, LLC, 1:13-cv-02560 (N.D. Ill.): A federal consumer rights suit alleging improper billing and collection practices.
- Arquilla v. ATG Credit, LLC, 1:15-cv-21558 (S.D. Fla.): The complaint challenges the company’s out-of-state collection conduct under the FDCPA.
- Trevino v. ATG Credit, LLC, 4:16-cv-00375 (E.D. Tex.): A federal complaint alleging non-compliant debt collection communication methods.
In our practice, we pull the docket for any pending case matching a client’s exact calling pattern. A live TCPA class action can sometimes affect an individual’s own claim or timeline. A lawsuit filing is an allegation, not a finding of liability, unless a court or settlement says otherwise.
Separate from these class actions, individual consumer attorneys report a consistent complaint pattern. It includes repeated auto-dialed calls, contact with family or workplaces, and continued collection after an unanswered validation request.
Is ATG Credit a Legitimate Company or a Scam
ATG Credit LLC appears to be a real, licensed debt collection agency rather than a scam operation. It has operated since 2000, lists a named CEO, and maintains a working website and Chicago mailing address. That said, a legitimate company can still cross legal lines.
BBB complaints describe consumers contacted about debts they believed insurance already paid, along with difficulty reaching agents. If ATG Credit keeps contacting you about a paid debt, that contact may itself violate federal law.
What a Complaint About ATG Credit Usually Looks Like
Search interest around “ATG Credit reviews” suggests many people research the company before responding to a call. Reported complaint patterns generally fall into a few categories.
- Repeated calling. Consumers describe frequent auto-dialed calls, sometimes multiple times per day.
- Disputed balances. Complaints describe being pursued for debts already settled through insurance or a prior payment.
- Slow dispute resolution. Several reviews mention difficulty getting a live agent to correct an account after a dispute was raised.
- Some positive resolutions. Other BBB reviews describe successfully negotiating a lower settlement or a payment plan, which suggests the company does respond to direct, documented requests.
How to Verify and Dispute a Debt With ATG Credit
Send a certified validation letter to ATG Credit LLC, PO Box 14895, Chicago, IL 60614-0895, within 30 days. Demand the original creditor’s name, the date of the debt, an itemized balance, and proof of the debt. For medical accounts, ask specifically for the provider’s name and the date of service.
If the balance is medical, contact your insurer for an Explanation of Benefits covering the date of service. If the EOB shows full coverage, keep it as evidence you may not owe this debt.
ATG Credit’s own site lists a dispute form and a payment portal. Some consumers use these to negotiate a written pay-for-delete arrangement first. Confirm any deletion agreement in writing before sending payment, since a verbal promise is difficult to enforce later.
- Log every call: date, time, number, and a short summary.
- Document it if ATG Credit calls your workplace after you say stop.
- Do the same if it contacts your family about the debt.
Check how many times a collector can legally call per day. Also review what to say and not say to a collection agency before your next call.
Can ATG Credit Sue You or Garnish Your Wages
ATG Credit can sue you if the debt is valid and still within Illinois’s statute of limitations. That is generally 5 years for written contracts and 10 for judgments. It cannot garnish your wages without first winning a court judgment.
Illinois limits garnishment to 15% of gross wages, or earnings above 45 times minimum wage, whichever is less. A threat of immediate garnishment without a court order misstates the law and may be a federal violation.
How The Wood Firm PLLC Helps
Collecting an insurance-paid debt or robocalling like the Broome claims may violate the FDCPA, FCRA, or TCPA. We evaluate licensing status, the state regulatory record, and the calling pattern before recommending a claim.
The Wood Firm PLLC has handled these cases exclusively since 2011 and never represents a creditor. Learn more about how we work for you and why clients choose us. We work on contingency, and contact typically stops within 48 hours after you call +1-844-638-1122.
Facing calls, a disputed medical balance, or credit report damage tied to ATG Credit? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency, and ATG Credit pays our fees if we win.
Frequently Asked Questions About ATG Credit
Is ATG Credit the same as ATG USA or GAD Inc
No, ATG Credit LLC is a Chicago debt collector. ATG USA LLC is a separate card processing company, and GAD Inc is unrelated. Confirm which name appears on your caller ID.
Why does ATG Credit show up in reviews about billing problems
Most public reviews describe disputes over medical balances, insurance timing, or repeated calls. Some reviews also describe successful settlements, suggesting outcomes vary based on documentation and follow-up.
Is ATG Credit banned from collecting anywhere
Yes, in Massachusetts. A June 2025 temporary order bars ATG Credit from collecting in Massachusetts pending compliance with licensing rules. No comparable nationwide ban currently exists.
Has ATG Credit been sued
Yes. Broome v. ATG Credit alleges unauthorized auto-dialed calls under the TCPA. Several other cases allege FDCPA violations tied to billing and collection communication.
Can ATG Credit collect a medical debt my insurance already paid
If insurance fully covered the bill, ATG Credit should not continue collecting it. Request an Explanation of Benefits from your insurer, then dispute the debt in writing using that documentation.
How do I stop ATG Credit from calling
Send a cease-and-desist letter by certified mail to PO Box 14895, Chicago, IL 60614-0895. After receipt, the collector may only contact you to confirm the stop or notify you of legal action.
What to Do Next if ATG Credit Contacted You
A state order or lawsuit alone does not prove your specific call broke the law. Together, they establish a documented history worth reviewing with an attorney. Save every log, letter, and Explanation of Benefits you have.
Review what to do when a debt collector contacts you, then call +1-844-638-1122 for a free case review.
Browse our list of collection agencies, review your FCRA credit reporting rights, or file with the CFPB.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
