NPG Associates, Inc. is a debt collection and accounts receivable company in Ontario, California. It offers collection, demand letters, settlement negotiation, credit reporting and litigation support for seriously delinquent balances.
- Type
- Collection agency
- Also known as
- NPG Associates, Inc.
- Headquarters
- Ontario, CA
- Collects
- past-due invoices and receivables
- Phone numbers it lists
- (888) 725-5475
- Website
- npgassociates.com
48 debt collection complaints were sent to the Consumer Financial Protection Bureau about NPG Associates, Inc. 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 NPG Associates?
NPG Associates, Inc. calls itself an industry leader in debt collection and recovery. Its website lists a toll-free number, (888) 725-5475, and the email [email protected], and says its team has more than 60 years of combined experience.
The Better Business Bureau lists the company at 3990 Concours, Suite 240, Ontario, California 91764. The BBB shows a May 2023 incorporation date and an April 2024 business start date, and names Michael Martinez as president and Julia Barcelona as vice president of operations. So while its staff may have long experience, the company itself is fairly new.
We did not find a CFPB enforcement action against NPG Associates.
Why NPG Associates May Be Contacting You
NPG's website lists these services: debt collection, past-due invoice recovery, credit reporting, demand letters, settlement negotiations, litigation support and analytics for seriously delinquent balances. Its marketing is aimed at businesses of all sizes that want unpaid invoices collected.
The site does not name its clients or say which consumer debts it handles. If NPG contacts you, ask for the name of the business it represents, what the original invoice or account was for and when it went unpaid. A "demand letter" from NPG is a collection letter, not a court filing.
How to Check a Debt NPG Associates Says You Owe
Start by confirming that the debt is a personal one. If it arose from a personal, family or household purchase, you get the protections of the FDCPA, including a validation notice that names the creditor and itemizes the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). Match the invoice number, service dates and amount to your records.
If you don't owe it, owe less, or don't recognize the business, send a written dispute within the validation period. NPG must then pause collection until it mails verification. Ask in the same letter whether the original business still owns the account and for a copy of the invoice or contract.
NPG lists credit reporting among its services, so check your credit reports for the account too. If the debt is old, keep the time limits in mind. Texas generally allows four years to sue on consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt there (Tex. Fin. Code § 392.307). Other states set their own limits.
What NPG Associates Can and Can't Do
A collection agency that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). Debts incurred for business purposes are not covered by the FDCPA.
- If it reports the account to a credit bureau after learning you dispute it, it must report the debt as disputed (15 U.S.C. § 1692e(8)).
- It may not report a consumer debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)).
- Settlement offers must not misstate the balance or the consequences of not paying (15 U.S.C. § 1692e).
- It is held to Regulation F's seven-in-seven call limit per debt (12 C.F.R. § 1006.14(b)(2)).
Visit our FDCPA attorneys page to learn more.
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 NPG Associates 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
- NPG Associates: home page
- BBB business profile: NPG Associates, Inc.
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: NPG Associates, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that NPG Associates has violated any law. Company details change; tell us if something here is out of date.