American Profit Recovery, Inc. is a Farmington Hills, Michigan collector that works unpaid medical, dental, bank, trade, and service accounts for the original business. They can ask for payment on a placed file. They cannot call before 8 a.m. or after 9 p.m. local time without your agreement, discuss the debt with your family, or keep dialing after a written cease letter arrives.
Key Takeaways
- American Profit Recovery, Inc. is a third-party agency founded in 2004. Offices sit in Farmington Hills, Michigan, and Franklin, Massachusetts.
- The company says it collects for clients. It is not a debt buyer of cheap paper.
- In a recent CFPB debt-collection ranking this collector sat at 202 of 1,294 companies, with 14 complaints in that window. Those reports are not findings of liability.
- Federal consumer-credit dockets name the company as a defendant. A filing is an allegation unless a judgment says otherwise.
- FDCPA statutory damages cap at $1,000 per case, plus actual damages and fees if you win.
- The Wood Firm PLLC reviews the letter, the call log, and any tradeline on contingency.
Free Case Review: +1-844-638-1122
Who is American Profit Recovery
American Profit Recovery is a privately held collection agency. Company materials date the firm to 2004 and list a Michigan office at 34505 W. 12 Mile Road, Suite 333, Farmington Hills, and a Massachusetts office in Franklin. Public pages describe third-party collection for medical and dental offices, banks, trades, lawn care, and other professional services.
The firm’s own site says it is not a debt buyer. Treat a call as a placement from the original business until the letter names a purchaser. In February 2025 the company announced it would take over All Debt Solutions accounts. A letter from that shop can still arrive under the APR name.
A third-party collector on a consumer account is covered by the FDCPA. The statutory map is on the FDCPA practice page.
How does American Profit Recovery rank in CFPB complaints
American Profit Recovery ranks 202 of 1,294 debt-collection companies in a recent CFPB complaint ranking, with 14 complaints in that window. Fourteen reports is a mid-pack count, not a finding that every call broke the law.
A CFPB complaint is a consumer report. The Bureau forwards it. The company answers. That file helps later. It does not pay you and it does not, by itself, shut the phone off.
Have consumers sued American Profit Recovery
Yes. Consumers have sued American Profit Recovery in federal court under consumer-credit statutes. A complaint is not a verdict. Read the caption and the last order before you treat a docket as a win.
- Echavarria v. American Profit Recovery, Inc. et al., S.D. Cal. No. 3:25-cv-00999. Consumer-credit filing, tagged as a class action on the public docket index.
- Gnesin v. American Profit Recovery, Inc., E.D. Mich. No. 12-cv-12595. FDCPA and Michigan collection-code claims over a $181 lawn-care bill. The court granted the collector’s motion to dismiss on November 19, 2012.
- Meloche v. American Profit Recovery Inc., E.D. Mich. No. 2:12-cv-14960. FDCPA consumer-credit suit filed November 7, 2012. Dismissed without prejudice by stipulation on April 16, 2013.
- Patel v. American Profit Recovery, Inc., E.D. Mich. No. 1:25-cv-10022. Consumer-credit complaint filed January 3, 2025. The docket later showed a settlement notice.
- Moore v. American Profit Recovery, Inc. et al. Federal consumer-credit docket naming the company as a defendant.
Those files do not decide your letter. They show the company has been named in FDCPA-style suits. Comparable agency pages include Collection Bureau of America and CCS Collections.
What does phone harassment look like
Phone harassment looks like repeated daily calls meant to annoy, rings before 8 a.m. or after 9 p.m., workplace calls after you said the employer forbids them, jail talk on a civil bill, or a family member hearing the balance. Profanity and a fake lawyer title are the same statute.
Not every collection call is a violation. The intent, the hour, and the words decide the file. Write the date, time, number, and sentence used. Save the voicemail. Comparable patterns are described on the Aargon Agency and Alliance One pages.
How do you stop American Profit Recovery calls
You stop American Profit Recovery calls with a written record. Mail a validation request and, if you want silence, a cease letter under § 1692c(c). Send both certified mail and keep the receipts.
- Log every contact before you argue the balance.
- Demand the original creditor, the amount, and proof they can collect.
- Tell them in writing to stop calling if that is what you want.
- Pull the reports at AnnualCreditReport.com.
- File a CFPB record if you want a government file.
A timely written dispute pauses collection of that debt until they mail verification. It does not erase the bill forever. More steps sit on the Collection Service of America page.
Which federal laws apply
The federal laws that apply are the FDCPA for third-party contact, the FCRA if they furnish credit data, and the TCPA on some cell-phone dialing. The Bureau’s plain-English summary is at what is the FDCPA. Credit-reporting rules are on the FCRA page. Autodialer and prerecorded cell claims are on the TCPA page.
FDCPA statutory damages reach $1,000 per lawsuit, not $1,000 per ring. Actual damages and fee-shifting can stack if you prevail.
Should you report American Profit Recovery to the CFPB
Yes. You should report American Profit Recovery to the CFPB if you want a dated government record. Use the CFPB complaint portal. Attach dates and letters. Add your state attorney general and the FTC if you want extra files.
Other agency complaint pages on this site include FMS Investment Corp, Account Control Technology, and NCO Financial.
Can you sue American Profit Recovery for harassment
Yes. You can sue American Profit Recovery for harassment when the calls or letters break those statutes. You do not have to prove the lawn-care or dental bill is fake to challenge the conduct. Fourteen CFPB complaints do not block a private suit and do not prove one either.
Intake is on how we work for you and why choose us.
How The Wood Firm PLLC reviews an APR file
The Wood Firm PLLC starts with the letterhead, the original creditor, and the call log. We look for after-hours rings, a workplace call after notice, a family disclosure, and a cease letter that was ignored. Credit lines go through the same check used on Convergent Outsourcing and Transworld Systems files.
More names sit on the U.S. collection-agency list and the firm home page.
Call +1-844-638-1122 if American Profit Recovery is on your phone and you want the paper reviewed.
Frequently asked questions
Is American Profit Recovery a real company
Yes. American Profit Recovery, Inc. is a Michigan-based third-party collector with a Massachusetts office. A real company can still violate the FDCPA on a given file.
Does American Profit Recovery buy debts
Company materials say it collects for clients and is not a debt buyer. Read the original-creditor line on your letter.
How does American Profit Recovery rank in CFPB complaints
A recent ranking placed this collector at 202 of 1,294 companies, with 14 complaints in that window. Those reports are not findings of liability.
Have consumers sued American Profit Recovery
Yes. Federal dockets include Echavarria, Gnesin, Meloche, Patel, and Moore. Gnesin was dismissed. Meloche ended by stipulation. Read each order.
How many daily calls equal harassment
The statute has no magic number. Repeated calls meant to annoy, especially after a stop request, are the fact pattern we examine.
Can they talk to my family about my debt
No, except a narrow location call that does not name the debt. Discussing the balance with relatives is a third-party disclosure issue.
Can I sue if I owe the debt
Yes. Conduct claims stand even when the balance is real.
Do they have to stop after my cease letter
After they receive a written cease notice, leftover contact is limited to confirming the stop or naming a specific next step such as a lawsuit.
What if they sue me
Do not ignore a summons. File an answer and send the papers to counsel the same week.
What does a lawyer cost
Contingency is the usual structure on these statutes. The collector pays fees if you win a covered claim.
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.
