If you’re getting calls from Quality Asset Recovery about medical debt you thought insurance covered – or debts you don’t even recognize – you’re dealing with a third-party collector that often buys medical accounts “for pennies on the dollar,” as Reddit users describe.
Many people discover QAR on their credit report before ever receiving a call, which feels like being blindsided when you’re actively trying to improve your credit score.
Who Is Quality Asset Recovery?
Quality Asset Recovery (QAR) is a third-party debt collection agency based in Gibbsboro, New Jersey, specializing in healthcare, commercial, and consumer debt.
Contact Information:
- Address: Foster Ave, Ste 101, Gibbsboro, NJ 08026-1191
- Phone: (856) 925-1010
- Fax: (856) 925-1025
- President: Tammy Peters
- Managers: Ken Shapiro, Charles Hehn
Business Details:
- Founded: October 31, 2002 (LLC)
- BBB: NOT accredited, 18 complaints, 23 years operating
- Focus: Healthcare, commercial, consumer debt
- Model: “No Collections, No Charge” contingency-based
- Philosophy: “Collect with Respect” (though lawsuits suggest otherwise)
Unlike Sequim Asset Solutions, Global Recovery Solutions, Recovery Solutions Group, or Credit One Bank, QAR emphasizes customized strategies.
Is Quality Asset Recovery a Scam or Legitimate?
Legitimate but often cannot provide proper documentation. Operating since 2002, licensed in New Jersey, but Reddit warns they buy debt “for pennies” and may lack original contracts.
Federal lawsuit:
- Jones v. Quality Asset Recovery (2025): Case 6:25-cv-12788, filed October 3, 2025, in the U.S. District of South Carolina, alleging FDCPA violations.
Red flags:
- Cannot provide the original contract with your signature
- Demands payment without validation
- Threatens action without documentation
- Refuses written settlement confirmation
What Reddit Users Report About Quality Asset Recovery
Medical debt surprise: User (age 21, 700 credit score) discovers $1,000 medical debt from a year ago went to QAR. Didn’t realize until credit monitoring alerted them, worried about score damage.
Reddit advice patterns:
- “Request validation letter first” – written proof forces QAR to show the debt is real
- “Don’t acknowledge responsibility” – QAR bought debt “for pennies”, trying to profit
- “Get agreements in writing” – before paying, confirm paid/deleted status
- “They may not provide documentation” – often can’t produce original contracts
- “Medical debts don’t always hit credit,” – but get written proof of resolution anyway
Key insight: QAR often cannot provide original documentation because they’re third-party buyers, not original creditors.
How to Stop Calls from Quality Asset Recovery
If QAR keeps calling multiple times daily, answering without protecting yourself first can make things worse. Taking these specific steps forces QAR to follow federal rules and gives you leverage. Here’s what stops harassment:
- Request debt validation in writing: Within 30 days, send certified mail demanding proof. Learn how to request validation. QAR must provide: original creditor, original amount, date incurred, purpose, how acquired, and documentation with YOUR signature.
- Never acknowledge responsibility: Saying “yes, that’s my debt” restarts the statute of limitations. Demand proof first.
- Document everything: Record calls (date, time, representative, conversation). Demand all future communications in writing. See what to do if contacted.
- If no documentation, ignore them: Reddit users report that QAR often can’t produce contracts. Without proof, you can’t legally pursue.
- If valid, negotiate in writing: confirm settlement terms and show “paid” or “deleted” status before paying.
If QAR violated FDCPA despite “Collect with Respect” claims, call The Wood Law Firm at +1 844-638-1122.
How to Remove Quality Asset Recovery from Your Credit Report
If you’re seeing QAR on your credit report, worrying about your score – like the Reddit user who reached 700 – you need strategies for third-party buyers who may lack documentation. Here’s what works when dealing with collectors who bought debt secondhand:
- Dispute missing documentation: If QAR can’t provide the original contract with your signature, dispute with all three bureaus. Many medical debts get removed due to a lack of proper documentation.
- Request “pay-for-delete” in writing: Before paying, negotiate removal from the credit report. Get written confirmation before sending payment.
- Get written proof of resolution: Demand written confirmation debt is resolved. QAR often doesn’t report resolution properly – you need documentation to submit to bureaus yourself.
- Verify through original creditor: Contact hospital/healthcare provider to confirm actual amount owed versus QAR’s claim.
How The Wood Law Firm Stops Quality Asset Recovery Harassment
Dealing with collectors who bought your account “for pennies” but can’t prove you owe it feels frustrating – especially when they threaten your hard-earned credit score. We specialize in holding third-party debt buyers accountable when they violate the law.
If a QAR called outside legal hours, used abusive language, failed proper validation, threatened false action, or reported inaccurate information, they violated FDCPA and potentially FCRA. We can help stop harassment and pursue compensation up to $1,000 plus attorney fees on contingency. Call The Wood Law Firm at +1 844-638-1122 or visit our homepage.
About Attorney Jeff Wood
Jeff Wood has over 15 years of experience protecting consumers from debt collection violations, specializing in FDCPA and FCRA cases against third-party debt buyers lacking proper documentation. Leading a network of attorneys licensed in 14 states, Mr. Wood ensures comprehensive protection nationwide. The Wood Law Firm maintains an A+ BBB rating.
Common Questions About Quality Asset Recovery Harassment
Is Quality Asset Recovery legitimate?
Yes, but often can’t provide documentation. Operating since 2002, licensed in New Jersey, but Reddit reports they frequently cannot produce original contracts proving debt.
Should I acknowledge debt when QAR calls?
No – demand validation first. Saying “yes” restarts statute of limitations. Demand written proof showing original contract with your signature first.
What if QAR can’t provide documentation?
Ignore them. Reddit users report QAR often lacks contracts because they bought debt secondhand. Without documentation, can’t legally pursue collections.
Will paying remove it from the credit report?
Not automatically – negotiate “pay-for-delete” first. Get written confirmation QAR will remove the entry before paying. Otherwise shows “paid collection” still hurting score.
How do I request validation?
Send certified mail within 30 days. Demand: original creditor, amount, date, purpose, how acquired, original contract with YOUR signature. See validation guide.
Can QAR sue me?
Only if the debt is valid and within the statute of limitations. Must provide documentation. If you can’t prove you signed a contract, you can’t sue. See top FDCPA violations.
What’s “Collect with Respect”?
Marketing claim not matching reality. QAR emphasizes “diplomatic negotiation” but 2025 federal lawsuit and Reddit reports show harassment despite branding.
Where do I report violations?
FTC and CFPB. See FTC FAQs and collection agency lists. Document all violations first.
Don’t let QAR’s marketing convince you to pay debt they can’t prove you owe. Call The Wood Law Firm at +1 844-638-1122 to protect your rights.
