American Profit Recovery, Inc. is a collection agency with offices in Farmington Hills, Michigan and Franklin, Massachusetts that collects unpaid bills for professional practices and small businesses. Hearing from it usually means a local provider or service company placed your account with it.
- Type
- Collection agency
- Also known as
- American Profit Recovery, Inc.; APR; American Profit Recovery, Inc., Marlborough, MA Branch
- Collects
- medical and dental bills, veterinary bills, school balances, landscaping and home-service bills, fuel delivery bills, funeral home balances, small-business accounts
- Phone numbers it lists
- (248) 948-0600, (248) 948-1234
- Website
- americanprofit.net
272 debt collection complaints were sent to the Consumer Financial Protection Bureau about American Profit Recovery, Inc., Marlborough, MA Branch from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is American Profit Recovery?
American Profit Recovery, Inc. (APR) calls itself "a collection agency that is guided by values." Its website lists two offices: 34505 W. 12 Mile Road, Suite 333, Farmington Hills, Michigan 48331, and 31 Hayward Street, Suite 2A-213, Franklin, Massachusetts 02038. The CFPB complaint database lists the company under a Marlborough, Massachusetts branch name; the site now shows the Franklin address. Its footer gives Nevada collection agency license CAD11373 and NMLS ID 945971.
For questions about a debt, APR's site lists (248) 948-0600; its general line is (248) 948-1234. The site also offers online dispute and complaint forms.
We did not find a CFPB enforcement action against American Profit Recovery.
Why American Profit Recovery May Be Contacting You
APR markets mostly to local and regional businesses rather than big banks. The industries it lists include doctors and other medical providers, dentists, chiropractors, veterinarians, schools, lawn care and landscaping companies, fuel and heating-oil distributors, funeral homes, plumbing and heating contractors, restoration companies, financial institutions and professional-service firms.
So the account behind a letter from APR is often a service bill: a vet visit, a tuition or daycare balance, an oil delivery, a dental crown, or a repair job you may have disputed with the business at the time. The letter should name that business as the creditor.
How to Check a Debt American Profit Recovery Says You Owe
Service bills from small businesses can be hard to reconstruct years later, so ask for the paperwork before you pay anything.
- Use the validation notice. Under 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34, APR must tell you the creditor's name, the amount owed with an itemization, and the date by which you can dispute.
- Dispute in writing on time. If you never received the service, were overcharged, or already paid the business directly, send a written dispute within the validation period. APR must stop collecting until it mails verification. See how to dispute.
- Ask who holds the account. Most small-business placements stay owned by the business, but confirm who you would be paying and whether a settlement will be reported as resolved.
- Reconcile the amount. Compare the balance to your invoice, contract or estimate, and check for added interest or collection fees. Fees are allowed only if your agreement or the law permits them (more on fees).
- Know the clock. In Texas, most debt lawsuits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states have their own deadlines.
What American Profit Recovery Can and Can't Do
APR collects debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6). That means:
- It may not call before 8 a.m. or after 9 p.m. your time, or at work if it knows your employer forbids it (15 U.S.C. § 1692c(a)).
- It may not tell your neighbors, your child's school or your employer about the debt (15 U.S.C. § 1692c(b)).
- For medical and dental bills, Texas health care facilities must send an itemized bill before pursuing collection (SB 490).
- It may not threaten a lawsuit its client has no intention of filing (15 U.S.C. § 1692e(5)).
Concerned about how a collector treated you? Read about our FDCPA attorneys.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If American Profit Recovery or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- American Profit Recovery: home page
- American Profit Recovery: About Us
- CFPB enforcement actions search: American Profit
- CFPB Consumer Complaint Database: American Profit Recovery, Inc., Marlborough, MA Branch, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that American Profit Recovery has violated any law. Company details change; tell us if something here is out of date.