Beacon Recovery Group may be threatening you over a debt more than 10 years old. According to BBB records, the agency has 11 complaints and a B+ rating. Consumers allegedly describe threats to garnish Social Security income, which is federally protected.
Key Takeaways
- Beacon Recovery Group, LLC is a Lockport, New York debt collector incorporated in October 2019. It is owned by Jason Garofalo.
- The agency is not BBB-accredited. It carries a B+ rating with 11 complaints filed against a company only six years old.
- BBB reviews allegedly describe threats to garnish Social Security income, decade-old debt collection attempts, and text-initiated contact.
- New York’s statute of limitations is six years for most consumer debts. Social Security is federally exempt from garnishment for consumer debt.
- FDCPA violations may carry up to $1,000 in statutory damages. TCPA violations for unwanted texts carry $500 to $1,500 per message.
- The Wood Firm PLLC handles these cases on contingency. If Beacon Recovery Group violated federal law, they pay our fees.
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. The company was incorporated on October 1, 2019, and its BBB file opened in May 2020. It is owned by Jason Garofalo.
The agency is not BBB-accredited and carries a B+ rating with 11 complaints filed. BBB lists it as an “Out-of-State Collection Agency.” It collects debts across state lines from its Lockport base.
The agency is also searched as BRG, Beacon Recovery Group Company, and Beacon Recovery Group LLC Debt Collector. It should not be confused with Beacon Recovery Systems, a St. Louis judgment recovery firm, or Beacon Services LLC, a Maryland commercial collector. Those are separate, unrelated companies.
- Also Known As: Beacon Recovery Group LLC, BRG
- Address: 46 Pine St, Lockport, NY 14094
- Incorporated: October 1, 2019
- Owner: Jason Garofalo
- Phone: (844) 734-3546 | 844-734-3546 | 844.734.3546 | 8447343546
- BBB Status: Not accredited; B+ rating; Out-of-State Collection Agency
In our practice, a high complaint count for a young, small agency reads as a signal. Eleven complaints in six years for a small operation suggests a pattern.
Beacon Recovery Group Phone Number
People search phone numbers online to identify unknown callers. Beacon Recovery Group’s confirmed number appears in the formats below.
- (844) 734-3546 | 844-734-3546 | 844.734.3546 | 8447343546
BRG has also reportedly used text messages to initiate contact. Screenshot every text and document every call. Check how many times a collector can legally call per day.
Why Is Beacon Recovery Group Calling You
Beacon Recovery Group is calling because a creditor assigned or sold your account for collection. BBB complaint patterns suggest the debts BRG pursues share specific characteristics.
- Very old debts: one review allegedly describes a legal-papers threat over a debt “over 10 years old, if not older.” It had already dropped off the credit report.
- Fixed-income consumers: another review allegedly describes a consumer on Social Security income threatened with garnishment. That income is federally exempt for most consumer debts.
- Text-initiated contact: a third review allegedly describes a text as the first contact. A callback allegedly brought threats of legal action.
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 a Scam
Beacon Recovery Group is a real, registered business, not a scam. It has a named owner and an active BBB file.
A B+ rating with 11 complaints for a six-year-old company is notable. Reviews allegedly describe threats against Social Security recipients and attempts to collect decade-old debts using legal threats. A legitimate company can still engage in illegal collection practices.
Is Beacon Recovery Group Banned by the FTC
No. Beacon Recovery Group does not appear on the FTC’s list of banned debt collectors. That list targets agencies shut down entirely for illegal practices.
That absence does not excuse a threat to garnish federally protected income. BBB complaints, not enforcement bans, are where this agency’s documented pattern shows up.
In our practice, we treat a clean FTC record as a starting point, not a conclusion. A threat to garnish Social Security is a federal violation regardless of an agency’s licensing history.
How to Stop Beacon Recovery Group
- Check the statute of limitations. New York allows six years for most consumer debts. If your debt is older, BRG cannot successfully sue you. A threat to sue on a time-barred debt may itself be a violation.
- Request debt validation. Send a certified letter to Beacon Recovery Group, LLC, 46 Pine St, Lockport, NY 14094, within 30 days. See our debt validation guide.
- Document every contact. Screenshot every text and log every call, including the exact words used in any threat.
- Send a cease-and-desist. Mail it certified to the Lockport address. Review what to say and not say to a collection agency.
- Call an attorney. Once BRG has legal notice you’re represented, all contact must route through counsel.
Do not make a payment or acknowledge the debt in writing. In some states, that step can restart the statute of limitations clock.
Can Beacon Recovery Group Sue You or Garnish Your Wages
BRG can sue you only if the debt is valid and within New York’s six-year statute of limitations. An older debt cannot support a successful lawsuit.
BRG cannot garnish your wages without a court judgment. New York caps garnishment at 10% of gross wages or 25% of disposable earnings, whichever is less. Social Security income is federally exempt from garnishment for consumer debt. A threat to garnish SSI or SSDI is a false threat and a direct FDCPA violation.
How to Remove Beacon Recovery Group From Your Credit Report
Removing a BRG entry requires a documented dispute with all three credit bureaus. The strongest grounds are listed below.
- The debt is time-barred, over six years old in New York.
- The debt had already dropped off your report under the seven-year reporting limit before BRG re-added it.
- BRG never responded to a validation request.
If the debt is valid, you can negotiate a pay-for-delete agreement in writing before paying. Inaccurate reporting also creates a separate claim under the Fair Credit Reporting Act. Learn about your credit reporting rights.
How The Wood Firm PLLC Fights Beacon Recovery Group
The Wood Firm PLLC reviews every BRG file for improper garnishment threats, time-barred lawsuits, and unwanted texts. These are actionable claims under the FDCPA, FCRA, and TCPA.
The firm handles these cases on contingency, with no upfront fees. If BRG violated federal law, it pays our fees, not you. Reach our office at +1-844-638-1122 to start a free case review.
If Beacon Recovery Group threatened your Social Security income or an old debt, that may support a claim. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, if it violated federal law, it pays our fees.
Frequently Asked Questions
Who is Beacon Recovery Group
Beacon Recovery Group is a Lockport, New York debt collector incorporated in October 2019. It is owned by Jason Garofalo and is not BBB-accredited. It carries a B+ rating with 11 complaints.
Is Beacon Recovery Group a scam
No, BRG is a registered business with a named owner and a BBB file. Reviews do allegedly describe threats against Social Security recipients and decade-old debt collection with legal threats.
Is Beacon Recovery Group banned by the FTC
No, BRG does not appear on the FTC’s list of banned debt collectors. That list targets agencies shut down for illegal conduct. BBB complaints remain the more relevant record here.
Can BRG garnish my Social Security
No. Social Security income is federally protected from garnishment for consumer debts. A threat to garnish it is a false threat and a likely FDCPA violation.
Can BRG sue me for a debt over 10 years old
New York’s statute of limitations is six years for most consumer debts. If your debt is older, BRG cannot successfully sue you. Threatening to serve papers on a time-barred debt may itself be a violation.
Can BRG text me
Only with your prior express consent. Unsolicited collection texts may violate the TCPA. Damages run $500 to $1,500 per message.
What is the phone number for Beacon Recovery Group
The main number is (844) 734-3546. Document every call and screenshot every text you receive.
Can I sue Beacon Recovery Group
Yes, for FDCPA violations you may recover up to $1,000 in statutory damages plus attorney fees. Illegal texts carry $500 to $1,500 per message under the TCPA. The Wood Firm PLLC handles these cases on contingency.
Your Next Step If Beacon Recovery Group Has Contacted You
Start documenting every BRG call and text today. If the agency threatened your income or an old debt, that may support a federal claim. The Wood Firm PLLC reviews these cases at no upfront cost. Call +1-844-638-1122 to start a free case review today.
Browse our full list of collection agencies or review our practice areas. You can also file with the CFPB or the New York Attorney General. Learn more about how we work for you and why clients choose us.
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.
