ATG Credit, LLC is a third-party collection agency founded in 2000 that collects for healthcare providers, lenders, schools, utilities, municipalities and insurers. It lists a Westminster, Colorado office and a Chicago mailing address.
- Type
- Collection agency
- Also known as
- ATG Credit, LLC
- Collects
- hospital and physician bills, credit card and private label accounts, installment and auto loans, campus-based and institutional student loans, utility, municipal and insurance accounts, commercial accounts
- Phone numbers it lists
- (866) 784-6258
- Website
- atgcredit.com
96 debt collection complaints were sent to the Consumer Financial Protection Bureau about ATG Credit, 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 ATG Credit?
ATG Credit, LLC says it was founded in 2000 by two collection professionals and that it is licensed in all 50 states. Its disclosures page gives a local office at 8690 Wolff Court #110, Westminster, Colorado 80031, and a records-request mailing address at PO Box 14895, Chicago, Illinois 60614. The same page lists a California license (10766-99), NMLS ID 934305, a New York City Department of Consumer Affairs license (1281655) and a North Carolina permit (521451645). Its office number is (866) 784-6258.
The company promotes a live chat portal that lets consumers handle an account without phoning. It also says it has Spanish-speaking representatives, though it does not translate its English-language letters.
We did not find a CFPB enforcement action against ATG Credit.
Why ATG Credit May Be Contacting You
ATG Credit works across several markets, according to its website:
- Healthcare: hospitals, billing services and physicians.
- Financial services: credit card and private label issuers, installment lenders, secured and unsecured lenders and auto finance companies.
- Education: campus-based student loans, institutional loans and other college receivables.
- Other accounts: utilities, municipal governments, insurance and business-to-business debts.
Because the client list is broad, the first thing to learn is which business placed your account. A call or chat message from ATG Credit could concern anything from an emergency room balance to a school's institutional loan.
How to Check a Debt ATG Credit Says You Owe
Start with the validation notice. Under 15 U.S.C. § 1692g and Regulation F (12 C.F.R. § 1006.34), it should name the creditor, show the amount on an itemization date and break down interest, fees, payments and credits since then. Compare that breakdown with your own statements or explanation-of-benefits forms.
If anything looks wrong, send a written dispute before the validation period ends. Ask ATG Credit to identify the current owner of the account and to provide the records behind the balance. For a school account, ask for the promissory note or enrollment agreement. For a medical bill, ask for the itemized bill and whether insurance was billed.
Check the dates. In Texas, most suits on consumer debts must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Limitation periods differ in other states. Paying on an old account can have legal effects, so learn its age first. Our guide to validation notices and time-barred debt has more detail.
What ATG Credit Can and Can't Do
A company that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). ATG Credit describes itself as a collection agency, so the FDCPA applies when it collects a defaulted personal, family or household debt.
- It may not call more than seven times in seven days about one debt, or within a week after a phone conversation about it, without a presumption of harassment (12 C.F.R. § 1006.14(b)(2)). See Regulation F call, text and email limits.
- It must honor a request to stop chat, email or text contact through a channel you name.
- It may not report a medical debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
- It may not misstate the amount owed or add fees your agreement or the law doesn't allow (15 U.S.C. § 1692f(1)).
If you think ATG Credit crossed a line, see our FDCPA attorneys page.
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 ATG Credit 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
- ATG Credit: home page
- ATG Credit: About us
- ATG Credit: Markets
- ATG Credit: Disclosures
- BBB business profile: ATG Credit, LLC
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: ATG Credit, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that ATG Credit has violated any law. Company details change; tell us if something here is out of date.