The Phoenix Recovery Group is a collection agency based in San Antonio, Texas. If it has contacted you, a creditor has most likely placed a past-due account with it for collection.
- Type
- Collection agency
- Also known as
- Tolteca Enterprises, Inc.
- Headquarters
- San Antonio, TX
276 debt collection complaints were sent to the Consumer Financial Protection Bureau about The Phoenix Recovery 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 The Phoenix Recovery Group?
The Phoenix Recovery Group is a collection agency in San Antonio, Texas. Its Better Business Bureau profile places it near Loop 410 and Nacogdoches Road on the city's north side, lists it as a corporation in the collections-agency category, and gives "Tolteca Enterprises, Inc." as an alternate name. According to that profile, the business started in August 2001 and was incorporated in February 2002, and its president is Vennesa Gamboa.
We could not locate an official website for the company, so this profile is limited to what we could confirm. We have not listed phone numbers here because we could not find any published by the company itself. Use the contact details printed on a letter you received, and compare them with the BBB listing before you share any personal information.
Why The Phoenix Recovery Group May Be Contacting You
We were not able to confirm which creditors or industries the company works for. As a third-party agency, it would typically be contacting you because a business placed an unpaid account with it. Because the agency is based in Texas, it may well be collecting for local creditors, but the only reliable way to know is to read the written notice it sends, which must name the creditor.
If a caller uses the company's name but won't send anything in writing, treat that as a warning sign. Legitimate agencies send a validation notice.
How to Check a Debt The Phoenix Recovery Group Says You Owe
When you know little about the agency, the paperwork has to do the work:
- Wait for, or ask for, the validation notice. 15 U.S.C. § 1692g and Regulation F (12 C.F.R. § 1006.34) require it to identify the creditor, itemize the balance, and give a dispute deadline.
- Send a written dispute before that deadline. Ask for proof of the debt and the name and address of the original creditor. Collection must stop until the agency responds.
- Confirm who owns the account. Ask whether it is collecting for the original business or for a company that bought the account. Then check with that business directly.
- Compare the balance with your own records, such as receipts, bank statements, or a final bill.
- Look at the dates. Texas generally gives a creditor four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Limitation periods vary from state to state.
What The Phoenix Recovery Group Can and Can't Do
A business whose principal purpose is collecting debts, or that regularly collects debts owed to others, is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA applies. Texas collectors must also follow the Texas Debt Collection Act, and third-party collectors must file a surety bond with the Texas Secretary of State; see whether collection agencies must be licensed in Texas.
- It may not call before 8 a.m. or after 9 p.m. your time, or at work if it knows your employer forbids it (15 U.S.C. § 1692c).
- Seven or more calls in seven days about the same debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
- It may not tell your relatives, neighbors or employer about the debt, apart from limited location requests.
- It may not suggest that you could be arrested or jailed for not paying.
We did not find a CFPB enforcement action against The Phoenix Recovery Group. To limit contact, see whether you can tell a collector to stop calling, or reach our FDCPA attorneys.
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 The Phoenix Recovery 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
- BBB business profile: The Phoenix Recovery Group (facts only)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: The Phoenix Recovery Group, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that The Phoenix Recovery Group has violated any law. Company details change; tell us if something here is out of date.