Quest Legal Group is a company that sent debt collection letters to consumers about purported installment loan balances. In May 2025, California's financial regulator issued a desist and refrain order against it and assessed a penalty.
- Type
- Collection agency
- Collects
- purported installment loan balances
27 debt collection complaints were sent to the Consumer Financial Protection Bureau about Quest Legal Group 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 Quest Legal Group?
Most of what is publicly documented about Quest Legal Group comes from a May 23, 2025 order issued by the California Department of Financial Protection and Innovation (DFPI). The order describes Quest as "an entity of unknown origin" that used mailing addresses at 3911 Cleveland Ave. in San Diego, California and 901 Broadway in Nashville, Tennessee, operated a website and used a toll-free phone number.
The order does not describe Quest as a law firm, and we could not verify an official website, headquarters or ownership for it. The DFPI order states that Quest had not applied for or received a California debt collection license under the state's Debt Collection Licensing Act.
Why Quest Legal Group May Be Contacting You
According to the DFPI order, in September 2024 Quest sent at least two California consumers letters headed "NOTIFICATION OF LAWSUIT & CIVIL COMPLAINT." The letters referred to an installment loan said to have originated with EZMONEY, described a balance due, and stated that the account was being reviewed for a lawsuit. They also mentioned wage garnishment, liens and service of a court summons by the sheriff. The order says the two consumers did not recall ever having an account with that lender.
In the order, the DFPI Commissioner found that the letters falsely represented that legal action would be taken and implied garnishment or seizure of property, in violation of California's Rosenthal Act and the federal FDCPA (15 U.S.C. § 1692e(2), (4) and (10)). It ordered Quest to desist and refrain from those practices and from unlicensed debt collection, and assessed a $30,000 administrative penalty. We did not find a CFPB enforcement action against Quest Legal Group.
If a letter from "Quest Legal Group" reaches you, it may concern a purported installment loan, and it may say a lawsuit is about to be filed.
How to Check a Debt Quest Legal Group Says You Owe
When a collector's identity is uncertain, do not pay anything until you confirm both the debt and who has the right to collect it.
- Insist on a validation notice. A debt collector must give you one naming the creditor, itemizing the balance and stating your dispute rights (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing and keep proof. Send your dispute by a trackable method. Ask for the original loan agreement, the lender's name and address, and how the collector got the account.
- Contact the named lender yourself. Use contact information you find independently, not the number on the letter, and ask whether the account exists and who, if anyone, is authorized to collect it.
- Check for a real lawsuit. A letter is not a lawsuit. Check with the court clerk in your county. If you are actually served, you must respond on time; see our debt lawsuit questions.
- Consider the age of the debt. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states differ.
What Quest Legal Group Can and Can't Do
Anyone who regularly collects consumer debts owed to another is a "debt collector" under 15 U.S.C. § 1692a(6). A collector must also hold any license the state requires; California, for example, requires one under its Debt Collection Licensing Act. Under the FDCPA:
- A collector must disclose in its communications that it is a debt collector (15 U.S.C. § 1692e(11)).
- It may not threaten a lawsuit, garnishment or property seizure it does not intend or is not allowed to carry out (15 U.S.C. § 1692e(4), (5)). In Texas, wages generally cannot be garnished for consumer debts.
- It may not try to collect a debt you do not owe or misstate the amount (15 U.S.C. § 1692e(2), § 1692f(1)).
If you were contacted, our Texas FDCPA attorneys page explains what we review.
Government Actions on the Public Record
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 Quest Legal Group 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
- California DFPI: Quest Legal Group enforcement action page
- California DFPI: Desist and Refrain Order and Order Assessing Penalties, In the Matter of Quest Legal Group (May 23, 2025)
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Quest Legal Group, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Quest Legal Group has violated any law. Company details change; tell us if something here is out of date.