In some instances, AscensionPoint may have sent you a letter in the hopes that you would panic and pay a debt you don’t actually owe. Use SoloSuit’s template to create your Debt Validation Letter. AscensionPoint’s debt collection license number in your state of residence.Proof that AscensionPoint Recovery Services has the right to collect the debt.The last transaction made on the relevant account.A copy of the actual contract between the original creditor and the person who allegedly owes the debt.Sending a Debt Validation Letter may sound intimidating, but you really only need to ask for the following information: Once the company has received your letter, it must stop contacting you until it has proven that you or the estate you’re an executor for is responsible for the debt. Under the FDCPA, you may send a Debt Validation Letter to AscensionPoint. Thanks to the Fair Debt Collection Practices Act (FDCPA), you have a legal right to request that the company validate your debt as well. Both reactions are mistakes.īefore you pay anything, you need to make AscensionPoint prove that you owe the debt (or that the estate of the deceased person does).

Others assume they’ve just heard from an AscensionPoint Recovery Services scam operation and ignore it. Many people panic and rush to pay the debt. Receiving a letter from a debt collection company is always scary. What to do if AscensionPoint Recovery Services LLC says you owe money Credit card companies, subscription services, and even doctors’ offices all use it. Any business looking to recover a debt can do so. You might wonder what companies use AscensionPoint Recovery Services. However, like most other debt collectors, this one tends to use deliberately vague language to make targeted family members feel as though they are personally responsible. If the estate can’t cover the debts, they aren’t paid.Īs a collection agency, AscensionPoint is permitted to attempt to reach the executor of an estate to make them aware of a debt. Notably, according to the CFPB, a surviving family member cannot be held responsible for a deceased person’s debt unless the surviving family member is a co-signer or is otherwise an exception to this rule.Ī deceased person’s debts are usually paid by the estate, which means that their assets will be sold off to pay debts. Technically, yes, but some of its methods are shady. Is AscensionPoint Recovery Services legitimate? On Google reviews, AscensionPoint has less than a 2-star rating, and many reviewers have negative remarks about the company: In the last three years, the Consumer Financial Protection Bureau (CFPB) received 30 complaints about AscensionPoint Recovery Services. The BBB isn’t the only organization consumers have reached out to with complaints. Despite all the complaints and bad reviews, this collection agency has a BBB rating of A+. There are also dozens of AscensionPoint Recovery Services reviews on the BBB website, and all but one give it one star out of five. They usually call from (888) 806-8074.ĪscensionPoint is headquartered at 200 Coon Rapids Blvd NW, Coon Rapids, MN 55433, and it’s been harassing people over debt since 2007.īelow is a photo of AscensionPoint Recovery Services office building in Coon Rapids:Īs of November 2023, AscensionPoint has received dozens of BBB complaints. This means that AscensionPoint representatives call surviving relatives and hound them for money. Is a collection agency that handles debt owed by the deceased. What is AscensionPoint Recovery Services? Here’s what to do if you’ve been contacted by AscensionPoint. Unfortunately, debt collection agencies like AscensionPoint Recovery Services capitalize on that confusion to try to make people pay the debts of deceased loved ones. In this article, SoloSuit offers some valuable tips for resolving debt and putting an end to those bothersome calls and letters.ĭoes a person’s debt die when they do? The answer is often yes, but there are some gray areas. Summary: Hearing from a debt collector is unsettling - and doubly so if the company wants you to pay the debt of a loved one (like AscensionPoint does).

Ascension point recovery scam