Recovery Solutions Group: Who They Are and Your Rights

Type

Collection agency

Also known as

Recovery Solutions Group, LLC; Recovery Solution Group; RSG

Headquarters

Milford, DE

Collects

homeowners association assessments, fire and water damage restoration bills, merchant cash advance balances, commercial accounts

Phone numbers it lists

(302) 241-0686

Website

rsgcollect.com

40 debt collection complaints were sent to the Consumer Financial Protection Bureau about Recovery Solutions Group, 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 Recovery Solutions Group?

Recovery Solutions Group, LLC, which calls itself RSG and sometimes "Recovery Solution Group," is a collection and accounts receivable management company in Milford, Delaware. Its website lists an office at 117 E. Liberty Way, Milford, and a phone number of (302) 241-0686, and says its team has more than 30 years of experience. It offers first-party and third-party receivables work, collections on slow-pay and no-pay accounts, access to a national attorney network, private investigation and collection seminars.

The Better Business Bureau gives a start date of February 2012, lists the company at 1008 Mattlind Way in Milford, and names Bill Richards as CEO. The Texas Secretary of State shows an active Texas debt collector bond for the company at the Mattlind Way address (file 20200151, filed September 30, 2020). New York City lists it as a licensed debt collection agency (2111140-DCA).

Why Recovery Solutions Group May Be Contacting You

Much of RSG's website speaks to business clients and commercial accounts, but several of its listed specialties can involve individuals and households:

• HOA assessment fee recovery. Unpaid homeowners association dues, special assessments and related charges.
• Fire and water debt recovery. Bills from restoration contractors who cleaned up or repaired a home after a fire, flood or leak.
• Merchant cash advance recovery and international commercial collections, which usually involve a business rather than a consumer.

Whether the FDCPA applies depends on the debt. HOA assessments on your home and a bill for repairing your house are generally consumer debts. A merchant cash advance or other business obligation generally is not, though state law may still apply.

How to Check a Debt Recovery Solutions Group Says You Owe

• Get the validation notice on any consumer debt. It must name the creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• For HOA balances, ask for the association's account ledger and compare it with the declaration or bylaws that authorize late fees, interest and collection costs.
• For restoration bills, gather the work authorization you signed, the contractor's invoice and your insurer's claim payments. Check whether the insurer already paid part of the bill.
• Dispute in writing during the validation period if the amount is wrong. See how to dispute a debt.
• Consider the time limit. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Other states differ, and HOA liens can follow their own rules.

What Recovery Solutions Group Can and Can't Do

When it collects consumer debts owed to others, RSG is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)).

• It may not add collection fees or interest unless the HOA documents, the contract or the law allows them (15 U.S.C. § 1692f(1)). See can a collector add fees to my debt?
• It may not tell your neighbors or other association members about the debt (15 U.S.C. § 1692c(b)).
• It may not misstate the amount or the legal status of the debt (15 U.S.C. § 1692e(2)).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against Recovery Solutions Group. If a collector treated you unfairly over a consumer debt, see our Texas 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 Recovery Solutions 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

• Recovery Solutions Group: home page (services, address, phone)
• Recovery Solutions Group: About us
• BBB business profile: Recovery Solutions Group, LLC (start date, principals)
• Texas Secretary of State: debt collector bond search (Recovery Solutions Group LLC, file 20200151)
• NYC DCWP license record 2111140-DCA (NYC Open Data)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Recovery Solutions Group, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Recovery Solutions Group has violated any law. Company details change; tell us if something here is out of date.