AscensionPoint Recovery Services, LLC is a Minnesota company that works on the unpaid accounts of people who have died. If it contacts you, it is usually looking for the person handling a relative's estate.
- Type
- Collection agency
- Also known as
- AscensionPoint Recovery Services, LLC; Ascension Point Recovery Services, LLC; APRS
- Headquarters
- Coon Rapids, MN
- Collects
- accounts of deceased persons (estate and probate claims)
- Phone numbers it lists
- (888) 806-9074
- Website
- ascensionpoint.com
36 debt collection complaints were sent to the Consumer Financial Protection Bureau about Ascension Point Recovery Services, LLC 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 AscensionPoint Recovery Services?
AscensionPoint Recovery Services, LLC is based at 200 Coon Rapids Boulevard, Suite 200, in Coon Rapids, Minnesota. The company says it was founded in 2007 and that it focuses "solely on Estate and Probate matters." It calls itself a nationally licensed recovery specialist, though its website does not list individual license numbers. The BBB lists a start date of August 2007 and names John Sheldon as president; the CFPB complaint database spells the name "Ascension Point."
The company's toll-free line is (888) 806-9074 (TTY 711), staffed Monday through Friday, 7 a.m. to 5 p.m. Central time.
Why AscensionPoint Recovery Services May Be Contacting You
AscensionPoint works for creditors ("Clients," in its words) after one of their customers has died. Its job is to find and work with the deceased person's authorized estate representative, such as an executor or administrator, and to resolve the account from estate assets. It does not name its clients publicly. If you get a letter or call, it is most likely because you are listed as a relative, a contact on the account, or the person handling the estate.
Two points from the company's own FAQ matter most. First, it says only the estate may be responsible for the decedent's accounts. Second, it says it does not seek to hold anyone personally responsible for the estate's financial matters. Before discussing details, it says it will verify that you are the authorized representative.
How to Check a Debt AscensionPoint Recovery Services Says the Estate Owes
- Find out who is asking. If you are not the executor or administrator, you can say so and decline to discuss the account. Don't agree to pay from your own money; see Do I have to pay a deceased relative's debts?
- Use the validation notice. A notice under 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 should name the creditor, the account and the balance at the date of death or later. The estate representative can dispute it in writing within the validation period, and collection must pause until the debt is verified.
- Ask who owns the account now and whether any credit insurance or a co-signer applies.
- Compare the balance with the decedent's last statements, and look for interest or fees added after death.
- Watch the deadlines. In a Texas probate, creditors generally must present claims through the estate process. Separately, Texas gives four years to sue on most debts (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different time limits.
What AscensionPoint Recovery Services Can and Can't Do
AscensionPoint collects for others, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Regulation F treats the executor, administrator or other person authorized to pay the estate's debts as the "consumer" it may talk to (12 C.F.R. § 1006.6(a)(4)).
- It may contact other relatives only to find the estate representative, and generally only once each, without revealing the debt (15 U.S.C. § 1692b).
- It may not suggest that a surviving spouse, child or other relative must pay from their own funds when they don't owe the debt (15 U.S.C. § 1692e).
- It must stop contacting a representative who asks in writing, except to confirm it is stopping or to give notice of a specific action (15 U.S.C. § 1692c(c)).
- Call frequency is limited by the Reg F seven-calls-in-seven-days presumption (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against AscensionPoint Recovery Services. If someone pressed you to pay a relative's account personally, our FDCPA attorneys can review the letters.
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 AscensionPoint Recovery Services 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
- AscensionPoint Recovery Services: home page
- AscensionPoint Recovery Services: About
- AscensionPoint Recovery Services: FAQs
- BBB business profile: AscensionPoint Recovery Services, LLC (business facts only)
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Ascension Point Recovery Services, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that AscensionPoint Recovery Services has violated any law. Company details change; tell us if something here is out of date.