Waterfall Revenue Group is a Hamilton Square, New Jersey receivables company that was formerly TRAF Group, doing business as A-1 Collection Service. It may contact you about a healthcare, retail or government account placed with it.
- Type
- Collection agency
- Also known as
- Waterfall Revenue Group, Inc.; TRAF Group, Inc.; A-1 Collection Service; Credit America
- Headquarters
- Hamilton Square, NJ
- Collects
- healthcare accounts, retail accounts, government accounts
- Phone numbers it lists
- (800) 777-6201, (609) 771-9200
- Website
- waterfallrevenuegroup.com
38 debt collection complaints were sent to the Consumer Financial Protection Bureau about Waterfall Revenue 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 Waterfall Revenue Group?
Waterfall Revenue Group, Inc. is an accounts receivable management company at 2297 State Highway 33, Suite 910, in Hamilton Square, New Jersey. Its website says it was formerly TRAF Group, which did business as A-1 Collection Service, and introduces the company as home to A-1 Collection Service and Credit America. If you have older letters from A-1 Collection Service, they may relate to the same business.
The contact page lists (800) 777-6201 and (609) 771-9200, and it points consumers to a separate payment site. The company describes its services as first-party call center work, pre-collection and third-party collections. We did not find a CFPB enforcement action against Waterfall Revenue Group in the CFPB's public enforcement list.
Why Waterfall Revenue Group May Be Contacting You
According to its website, Waterfall works for clients in the healthcare, retail and government markets. That gives three common reasons for a call or letter:
- an unpaid balance with a hospital, physician practice or other healthcare provider;
- a store account or other retail balance; or
- a charge owed to a public agency.
Because the company also does first-party and pre-collection work, an early contact might be made on the client's behalf before the account is formally in collections. The letter should tell you whether it comes from a debt collector.
How to Check a Debt Waterfall Revenue Group Says You Owe
The name change can make it harder to tell who is contacting you, so begin by confirming the business and the underlying account.
- Read the validation notice carefully. It must identify the creditor, the itemization date and how the balance changed since then (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). For a medical account, check that the dates of service match your visits and that insurance was billed.
- Send a written dispute within the validation period if anything is wrong or unfamiliar. Ask for the provider's or merchant's itemized statement.
- Ask whether the client still owns the account or whether it was sold, so you know who can agree to a settlement.
- Confirm government charges directly with the agency that issued them. Some public debts have their own appeal or waiver processes.
- Mind the age of the debt. Texas generally gives a creditor four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set their own limits, and some government debts follow different rules.
What Waterfall Revenue Group Can and Can't Do
When it collects consumer debts owed to another business, Waterfall is a "debt collector" under 15 U.S.C. § 1692a(6). That means:
- It must identify itself and say the communication is from a debt collector (15 U.S.C. § 1692e(11)).
- It may not use any name other than its true name (15 U.S.C. § 1692e(14)), so if letters arrive under different names, ask which name it is using and why.
- Regulation F presumes harassment after more than seven calls in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- Texas requires an itemized bill before certain medical debts can be sent to collection. See our SB 490 update.
Learn more on 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 Waterfall Revenue 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
- Waterfall Revenue Group: home page
- Waterfall Revenue Group: contact page
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Waterfall Revenue Group, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Waterfall Revenue Group has violated any law. Company details change; tell us if something here is out of date.