A call from ADP Collections, Inc. about an unpaid debt can feel confusing. Consumers often mistake the name for the payroll giant ADP. The Better Business Bureau lists this collector as possibly out of business.
Key Takeaways
- ADP Collections, Inc. is a third-party debt collector based in Houston, TX.
- The BBB flags this business as known or suspected out of business.
- The agency is not BBB accredited and is not banned by the FTC.
- ADP Collections, Inc. is unrelated to the payroll company Automatic Data Processing (ADP).
- The FDCPA and FCRA govern how any collector may contact you and report your debt.
- The Wood Firm PLLC reviews potential violations on contingency, at no upfront cost.
Free Case Review: +1-844-638-1122
Who Is ADP Collections, Inc.
ADP Collections, Inc. is a third-party debt collection agency based in Houston, Texas. Some consumers search for it as “APD Collections” due to a common misspelling. The company is listed with the Better Business Bureau, with a file first opened back in 2004.
The BBB profile carries a notable alert. It flags ADP Collections, Inc. as known or suspected to be out of business. That alert is a reason to verify any caller’s identity carefully before discussing a debt.
In our practice, we ask new clients to confirm a collector’s legal name and address before paying anything. An outdated or defunct listing can be a sign of impersonation. Verifying the caller protects you either way.
- Legal Name: ADP Collections, Inc.
- Address: 9894 Bissonet, Suite 404, Houston, TX 77036
- Phone: 713-270-9961 | (713) 270-9961 | +1 713-270-9961 | 7132709961
- BBB Status: Not accredited; flagged as possibly out of business
- BBB Profile: ADP Collections, Inc. BBB listing
Is ADP Collections, Inc. the Same as ADP the Payroll Company
No. ADP Collections, Inc. is a small, distinct private entity focused on accounts receivable and debt recovery. It shares no ownership with Automatic Data Processing, the payroll company using the same acronym.
The two companies are unrelated despite the shared acronym and industry overlap. If a caller implies a connection to the payroll giant, treat that as a red flag. Document exactly what was said.
In our practice, we ask clients to save any voicemail or text that uses the ADP name ambiguously. That detail can matter if a caller is deliberately trading on the confusion between the two companies.
Why Is ADP Collections, Inc. Calling You
ADP Collections, Inc. is calling you because a creditor assigned or sold your account to them for collection. That does not always mean the balance is accurate or even yours. Before you respond, ask for written validation of the debt.
Ask for the original creditor’s name and the amount claimed in full before agreeing to anything. A legitimate agency will provide this information without pressuring you first.
Given the BBB’s alert, ask the caller to confirm their business name, address, and phone number in writing. A legitimate collector will provide this without pressure.
What Should You Do Before Making Any Payment
Do not provide bank account numbers, card details, or a payment over the phone during a first call. Ask for a written itemization of the balance, the original creditor, and the current business address on file. Compare that address carefully to the one listed with the BBB.
If anything does not match, treat the mismatch as a reason to pause. A short delay to verify a caller costs you little. A rushed payment to the wrong party can be hard to reverse later.
Is ADP Collections, Inc. a Scam
ADP Collections, Inc. remains a registered third-party collection agency. Being suspected inactive by the BBB does not automatically mean every call is fraudulent. Either way, a collector does not get to skip federal law entirely.
Given the out-of-business alert, watch for these warning signs:
- A caller who cannot confirm the address on file with the BBB
- Pressure to pay immediately by gift card or wire transfer
- Refusal to send anything in writing
If you notice any of these, the FDCPA may still apply. The call may also warrant a fraud report. In our practice, we review a client’s full call history for these details.
Is ADP Collections, Inc. Banned by the FTC
No. ADP Collections, Inc. does not appear on the FTC’s list of banned debt collectors. The absence of a ban does not rule out other available remedies for consumers.
Consumers can still pursue claims through the CFPB or the Texas Attorney General’s office. A private FDCPA claim remains available regardless of the company’s current BBB status. Each path builds a separate, independent record of the agency’s conduct.
Has ADP Collections, Inc. Been Sued
No comprehensive public registry lists federal FDCPA lawsuits filed specifically against ADP Collections, Inc. That absence does not confirm the company’s practices are free of complaints. It only means no consolidated public record was located during our research.
If you believe ADP Collections, Inc. violated your rights, document the call details and exact dates. A documented pattern can support a claim even without a prior public case on file.
Can ADP Collections, Inc. Report Your Debt to Credit Bureaus
Yes, a debt collector can report unpaid accounts to the major credit bureaus. That reporting must comply with the Fair Credit Reporting Act. Given the BBB’s alert, double-check that any reporting under this name is current and correct.
If reporting looks inaccurate or tied to a defunct listing, you may have grounds for dispute. A credit bureau dispute can run alongside any FDCPA claim you decide to pursue.
How Do You Dispute a Debt With ADP Collections, Inc.
You can dispute a debt with ADP Collections, Inc. by sending a written validation request within 30 days. Collection activity must pause until the debt is verified. If calls continue after a written cease request, each call afterward may be a separate FDCPA violation.
A validation request should ask for:
- The original creditor’s name and account number
- Proof the current collector has the right to collect
- The exact amount claimed, including any added fees
Keep a copy of everything you send and receive.
In our practice, we date-stamp every validation request our clients send us. The FDCPA’s five-day and thirty-day deadlines often decide whether a case has merit. Missing that window can weaken an otherwise strong claim.
Certified mail with a return receipt gives you solid proof the letter was received. Keep that receipt with a copy of everything you send, including the envelope and postmark.
How The Wood Firm PLLC Helps Stop ADP Collections Debt Harassment
When we open a file, we review your call log, voicemails, and letters for FDCPA and FCRA violations. We also compare the collector’s timeline against your validation and dispute deadlines carefully.
The Wood Firm PLLC represents consumers exclusively, and we handle these cases on contingency. You pay nothing unless we recover on your behalf. To start a free case review, call +1-844-638-1122.
Ready to find out if ADP Collections, Inc. crossed a legal line? Call +1-844-638-1122 or visit our contact page for a free case review. The Wood Firm PLLC handles these cases on contingency.
Frequently Asked Questions About ADP Collections, Inc.
Who Is ADP Collections, Inc.
ADP Collections, Inc. is a third-party debt collection agency based in Houston, Texas. It is unrelated to the payroll company Automatic Data Processing.
Is ADP Collections, Inc. Still in Business
The BBB flags this company as known or suspected out of business as of this writing. Verify any caller’s identity carefully before discussing a debt or making a payment.
Is ADP Collections, Inc. Banned by the FTC
No, it does not appear on the FTC’s list of banned debt collectors. That does not waive your rights under the FDCPA.
What Should I Do If ADP Collections Contacts Me
Ask for written validation of the debt and confirm the caller’s current business name and address. Document the call and avoid paying until you verify the debt is real and correctly assigned to you.
Can I Sue ADP Collections, Inc. for FDCPA Violations
Yes, a private FDCPA claim can recover up to $1,000 in statutory damages. Documentation of the calls strengthens any claim you bring.
Can ADP Collections, Inc. Report My Debt to Credit Bureaus
Yes, but the information must be accurate and current under the FCRA. You can dispute any errors, especially given the company’s uncertain business status.
Also read: Nationwide Recovery Systems debt collection harassment and Fight Collection Agency Harassment. See also: Can a debt buyer purchase my debt.
What to Do Next If ADP Collections, Inc. Keeps Calling
Your next step is to document every call and verify the caller’s current business name before discussing anything. Save voicemails and note the date, time, and content of each call. The Wood Firm PLLC reviews these cases on contingency, at no cost upfront.
There is no upfront cost to learn if your rights were violated. If the calls continue, call +1-844-638-1122 for a free case review.
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.
