Waypoint Resource Group: Who They Are and Your Rights

Type

Collection agency

Also known as

Prince Parker & Associates; Waypoint Resource Group, LLC; Waypoint; WRG

Headquarters

Taylorsville, UT

Collects

automotive accounts, utility bills, medical bills, telecommunications, cable and satellite bills

Phone numbers it lists

(866) 447-4163, (888) 745-9327

Website

waypoint.com

1,346 debt collection complaints were sent to the Consumer Financial Protection Bureau about Waypoint Resource 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 Waypoint Resource Group?

Waypoint Resource Group, LLC announced its launch in April 2016 as an accounts receivable management provider headquartered in Round Rock, Texas. At the time it was an affiliate of TG, a federal student loan guarantor, and it said it focused on contact center, delinquency and default (bad debt) work. In March 2022, Complete Recovery Corporation of Taylorsville, Utah announced it had acquired Waypoint, which the release then described as based in Austin, Texas.

Waypoint's website now lists its address as 1065 W Levoy Dr, Suite 100, Taylorsville, UT 84123, and gives NMLS ID 908757.

Why Waypoint Resource Group May Be Contacting You

Waypoint's launch announcement named automotive, utilities, healthcare and telecom, cable and satellite as the industries it serves. Its website describes several kinds of work for client companies: first-party contact for customers who are a little behind, late-payment programs, and recovery of defaulted accounts. So contact from Waypoint can mean two quite different things:

• You are still a customer, and Waypoint is calling on the company's behalf about a recent missed payment; or
• Your account was closed or charged off, and Waypoint is collecting the final balance as a third-party agency.

Waypoint's help page gives a consumer help line of (866) 447-4163; its site footer lists (888) 745-9327.

How to Check a Debt Waypoint Resource Group Says You Owe

The right check depends on whether the account is open or closed. Start by asking Waypoint which company it is calling for and whether the account has been charged off.

• For a defaulted account, get the validation notice. As a third-party collector, Waypoint must give you a notice naming the creditor and itemizing the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period if the amount is wrong or you do not recognize the account. Ask for the final statement and the account history.
• Ask who owns the account. Confirm the current creditor, especially if the original company has been bought or renamed.
• Check auto deficiency figures carefully. If the balance follows a vehicle repossession, ask for the sale notice and how the sale price was credited. See car deficiency after repossession.
• Note the timeline. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Other states set other periods.

What Waypoint Resource Group Can and Can't Do

When Waypoint collects defaulted debts for others, it is a "debt collector" under 15 U.S.C. § 1692a(6). The FDCPA generally does not cover an account that was not yet in default when Waypoint received it (15 U.S.C. § 1692a(6)(F)(iii)). For defaulted accounts, Waypoint:

• may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2));
• may not discuss the debt with your employer, coworkers or family, apart from limited location inquiries (15 U.S.C. § 1692c(b));
• may not misrepresent the amount owed or threaten action it does not intend to take (15 U.S.C. § 1692e); and
• may not suggest your wages will be garnished over an ordinary consumer debt in Texas, where that is not allowed even after a creditor wins a lawsuit.

To have Waypoint's conduct reviewed, 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 Waypoint Resource 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

• Waypoint Resource Group: home page
• Waypoint Resource Group: About Us
• Waypoint Resource Group: Help
• insideARM: Waypoint Resource Group launch announcement (April 6, 2016)
• PR Newswire: Complete Recovery Corporation Acquires Waypoint Resource Group (March 1, 2022)
• CFPB Consumer Complaint Database: Waypoint Resource Group, LLC, debt collection

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