If Beacon Recovery Group is threatening to serve you papers for a debt that is over 10 years old, texting you to initiate collection, or telling you they will garnish your Social Security income, you need to know: all three of those tactics may violate federal law.
Beacon Recovery Group, LLC is a small Lockport, New York debt collector that has operated since 2019. It is not BBB-accredited, carries a B+ BBB rating, and has 11 complaints filed against it. BBB reviews describe threats against consumers on fixed SSI income, attempts to collect decade-old debts that have already fallen off credit reports, and text messages used to initiate contact.
If Beacon Recovery Group has crossed the line with you, call +1-844-638-1122 for a free case review. The Wood Firm PLLC works on contingency. Beacon Recovery Group pays our fees if we win.
Also searched as: Beacon Recovery Group LLC, BRG, Beacon Recovery Group Company, and Beacon Recovery Group LLC Debt Collector. Not to be confused with Beacon Recovery Systems (a St. Louis-based judgment recovery firm at 636-386-3913) or Beacon Services LLC (a Maryland-based commercial collector), which are separate companies.
Key Takeaways
- Beacon Recovery Group, LLC is a debt collector at 46 Pine St, Lockport, NY 14094. Business started October 1, 2019. Not BBB-accredited. B+ BBB rating. 11 complaints. Owner: Jason Garofalo.
- BBB reviews describe threats to garnish SSI (which is federally exempt from garnishment), attempts to collect debts over 10 years old that had already dropped off credit reports, and text messages to initiate collection.
- The company is listed on BBB as an “Out-of-State Collection Agency” with an “Out-of-State Collection Bond”, meaning it collects debts across state lines from its Lockport, NY base.
- You may be entitled to up to $1,000 per FDCPA violation and $500 to $1,500 per unauthorized robocall or text. Beacon Recovery Group pays your attorney fees if we win.
Free Case Review: +1-844-638-1122
Who Is Beacon Recovery Group?
Beacon Recovery Group, LLC is a debt collection agency located at 46 Pine St, Lockport, New York 14094. The company was incorporated on October 1, 2019. Its BBB file was opened on May 7, 2020. Phone: (844) 734-3546.
The company is owned by Jason Garofalo. It is not BBB-accredited and carries a B+ BBB rating with 11 complaints filed. The BBB lists it as an “Out-of-State Collection Agency” with an “Out-of-State Collection Bond,” which means Beacon Recovery Group collects debts across state lines from its Lockport, NY headquarters.
The company is young (6 years old), small, and has accumulated a complaint-to-age ratio that stands out. Eleven BBB complaints in six years for a small operation suggests a pattern, not isolated incidents.
Why Is Beacon Recovery Group Calling You?
Beacon Recovery Group is calling because a creditor assigned or sold your account for collection. Based on BBB complaint patterns, the debts BRG collects tend to share specific characteristics.
Very old debts. One BBB review describes being threatened with legal papers for a debt “over 10 years old if not older” that had already fallen off the consumer’s credit report. Collecting on debts this old raises immediate statute-of-limitations concerns.
Debts involving fixed-income consumers. Another BBB review describes a consumer on fixed SSI income being harassed by Beacon Recovery Group, with threats of garnishment. Social Security income is federally protected from garnishment for most consumer debts. Threatening to garnish SSI is almost certainly a federal violation.
Text-initiated contact. One review describes receiving a text message from Beacon Recovery Group as the initial contact method, then being threatened with service of papers when they called back.
Do not pay before verifying. Request debt validation in writing within 30 days. Learn what to do when a debt collector contacts you.
Is Beacon Recovery Group Harassing You?
Whether You Owe the Debt or Not, We Can Help You
Federal law protects you from abusive debt collection. You may be entitled to:
- Up to $1,000 per FDCPA violation
- $500 to $1,500 per illegal text or robocall under the TCPA
- Attorney fees paid by Beacon Recovery Group if we win
We work on contingency. You pay nothing unless we win.
FREE Case Review: +1-844-638-1122
What BBB Reviews Say About Beacon Recovery Group
The BBB reviews for Beacon Recovery Group are specific and alarming.
One reviewer described the company as “predatory” and questioned how it still maintains licenses to operate in the United States.
A consumer on a fixed SSI income reported being harassed by Beacon Recovery Group for approximately a month and a half. The consumer noted that SSI cannot be garnished, yet the company continued contact.
Another consumer received a text message, called the number back, and was initially treated well. The tone changed when the consumer was threatened with being “served papers” for a debt described as “over 10 years old, if not older,” that had already fallen off their credit report.
These three reviews, taken together, describe a pattern of collecting on very old debts using threats of legal action against consumers who may not know their rights. If Beacon Recovery Group is using similar tactics with you, every one of those interactions should be documented.
Is Beacon Recovery Group a Scam?
Beacon Recovery Group, LLC is a registered business at 46 Pine St, Lockport, NY, with a BBB file and a named owner (Jason Garofalo). It is not a scam in the sense of being a fake entity.
However, a B+ BBB rating with 11 complaints for a 6-year-old company, combined with reviews describing threats against SSI recipients and attempts to collect decade-old debts with legal threats, raises serious compliance questions. A company can be legitimate and still engage in illegal collection practices.
Beacon Recovery Group Phone Number
- (844) 734-3546 (also 8447343546, 844-734-3546, 844.734.3546): Main toll-free line listed on BBB
BRG has also used text messages to initiate contact, according to BBB reviews. Unsolicited text messages to your cell phone may be separate TCPA violations worth $500 to $1,500 each. Screenshot every text. Check how many times a collector can legally call per day.
How to Stop Beacon Recovery Group
1. Check the Statute of Limitations
BBB reviews describe BRG collecting on debts over 10 years old. New York’s statute of limitations is 6 years for most consumer debts. If your debt is older than 6 years, BRG cannot successfully sue you. Threatening to “serve papers” on a time-barred debt may itself be a federal violation.
Do not make any payment or acknowledge the debt in writing, as this could restart the clock in some states.
2. Request Debt Validation
Certified letter to Beacon Recovery Group, LLC, 46 Pine St, Lockport, NY 14094 within 30 days. See our debt validation guide.
3. Document Every Contact
Screenshot every text message. Log every call: date, time, number, what was said. If BRG threatens to “serve papers” or garnish SSI, write down the exact words. Those threats generate statutory damages.
4. Send a Cease-and-Desist
Certified mail to the Lockport address. Review what to say and not say to a collection agency.
5. Call an Attorney
Call +1-844-638-1122. The Wood Firm PLLC stops contact within 48 hours.
Can Beacon Recovery Group Sue Me or Garnish My Wages?
BRG can sue you only if the debt is valid and within the statute of limitations. New York allows 6 years for most consumer debts. If the debt is older, BRG cannot successfully sue you, and threatening to do so is a federal violation.
BRG cannot garnish your wages without a court judgment. New York limits wage garnishment to 10% of gross wages or 25% of disposable earnings minus 30 times the federal minimum wage, whichever is less.
Social Security income (SSI/SSDI) is federally exempt from garnishment for consumer debts. A collector threatening to garnish Social Security benefits for a consumer debt is making a false threat, which is a direct FDCPA violation.
How to Remove Beacon Recovery Group From Your Credit Report
- Debt is time-barred: If the debt is over 6 years old in New York, dispute with the bureaus citing the statute of limitations.
- Debt already fell off: If the debt dropped off your credit report (7-year reporting limit), BRG cannot re-add it. If they have, dispute the re-aging with all three bureaus.
- BRG never validated: Reference the unanswered request.
- Pay-for-delete: Negotiate written deletion before paying.
Inaccurate reporting gives you a separate FCRA claim. Learn about your credit reporting rights.
How The Wood Firm PLLC Helps
When Beacon Recovery Group threatens to garnish federally protected SSI income, threatens lawsuits on decade-old debts, or sends unsolicited collection texts to your cell phone, those are actionable claims under the FDCPA, FCRA, and TCPA.
The Wood Firm PLLC has handled these cases exclusively since 2011. Never represented a creditor. You pay nothing upfront. Contact stops within 48 hours. Learn about how we work for you and why clients choose us. Read the attorney profile.
Real Cases Against Collectors Like Beacon Recovery Group
Client identities are protected.
- SSI garnishment threat. A collector threatened to garnish a client’s Social Security income for a consumer debt. The Wood Firm PLLC documented the false threat as an FDCPA violation and obtained statutory damages.
- Time-barred debt collection. A collector attempted to collect on a debt well past the statute of limitations, threatening lawsuits. The Wood Firm PLLC pursued FDCPA claims for the misleading legal threats and recovered damages.
- Text message harassment. A collector sent unsolicited collection texts to a client’s cell phone. The Wood Firm PLLC pursued TCPA claims for unauthorized contact and obtained damages per message.
Has Beacon Recovery Group Violated Your Rights?
Whether You Owe the Debt or Not, We Can Help You
Free Consultation – No Upfront Costs – BRG Pays Our Fees
Frequently Asked Questions About Beacon Recovery Group
Who is Beacon Recovery Group?
A Lockport, NY debt collector at 46 Pine St, Lockport, NY 14094. Incorporated October 2019. Owner: Jason Garofalo. Not BBB-accredited. B+ BBB rating with 11 complaints. Phone: (844) 734-3546.
Is Beacon Recovery Group a scam?
No. BRG is a registered business with a BBB file and named owner. However, BBB reviews describe threats against SSI recipients, collection of decade-old debts with lawsuit threats, and text-initiated contact.
Can BRG garnish my Social Security?
No. Social Security income (SSI and SSDI) is federally protected from garnishment for consumer debts. A collector threatening to garnish your Social Security is making a false threat, which is an FDCPA violation.
Can BRG sue me for a debt over 10 years old?
In New York, the statute of limitations for most consumer debts is 6 years. If the debt is older, BRG cannot successfully sue you. Threatening to “serve papers” on a time-barred debt may be an FDCPA violation.
Can BRG text me?
Only with your prior express consent. Unsolicited collection texts to your cell phone may violate the TCPA, carrying damages of $500 to $1,500 per message.
How do I stop BRG from calling?
Cease-and-desist via certified mail to 46 Pine St, Lockport, NY 14094.
What is the BRG phone number?
(844) 734-3546 is the main number. Document every call and screenshot every text.
Can I sue Beacon Recovery Group?
Yes, for FDCPA violations. Up to $1,000 in statutory damages plus attorney fees. For illegal texts, $500 to $1,500 per message under the TCPA. The Wood Firm PLLC handles these on contingency.
Take Action Against Beacon Recovery Group Today
If Beacon Recovery Group is threatening you with lawsuits on decade-old debts, claiming they will garnish your Social Security, or texting your phone without consent, you have enforceable rights. The Wood Firm PLLC has handled consumer protection cases exclusively since 2011, works on contingency, and makes BRG pay the legal fees if we win.
Call +1-844-638-1122 for a free case review. Browse our list of collection agencies, review our practice areas, or file with the CFPB or the New York Attorney General.
