Who is Aspire Resources Inc. and why are they calling me?

Aspire Resources Inc. is a third-party debt collector, often handling student loans or other debts on behalf of creditors. They may contact you because a lender or institution assigned your debt to their collection services.

Is Aspire Resources Inc. a legitimate debt collector or a scam?

Aspire Resources Inc. is a legitimate debt collection agency, established in 2001 and servicing loans for various institutions. However, if you're unsure, always request written validation of any alleged debt.

What constitutes harassment from a debt collector like Aspire Resources?

Debt collection harassment may include excessive or repeated calls intended to annoy, calling before 8 a.m. or after 9 p.m., using threatening or abusive language, or contacting third parties about your debt—all potentially illegal under the FDCPA.

Can Aspire Resources call me multiple times a day or late at night?

No. Under the FDCPA, debt collectors cannot place repeated calls to harass you or call before 8 a.m. or after 9 p.m. If you're receiving calls at those times or multiple times daily, it may be harassment.

Are they allowed to contact my family, friends, or coworkers?

Generally no. Debt collectors may contact third parties only once to locate you, and cannot disclose you owe a debt. Further contact about your debt is prohibited and may violate your privacy rights.

What should I do if Aspire Resources is harassing me?

Document all calls (date, time, content), request validation of the debt in writing, send a cease-and-desist letter, and if harassment continues, file complaints with the CFPB or FTC, or consult a consumer protection attorney.

Can I dispute the debt if I believe it's incorrect or not mine?

Yes. Within 30 days of first contact, you can send a dispute and validation request. The collector must halt collection until they provide proper documentation of the debt.

Can Aspire Resources affect my credit score?

Yes. If they report your debt to credit bureaus, that may negatively impact your credit score—especially if the debt is unverifiable or inaccurate.

Can I sue Aspire Resources for FDCPA violations?

Yes. If Aspire Resources violates the FDCPA—for example, through harassment or misrepresentation—you may pursue up to $1,000 statutory damages, actual damages, and attorney’s fees.

How can I stop unwanted communications from Aspire Resources for good?

You can send a formal written cease-and-desist letter; once they receive it, they may only contact you to acknowledge it or notify you if they sue. Otherwise, they must stop all further contact.

Aspire Resources Inc.. Debt Collection Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Aspire Resources Inc. Debt Collection Harassment?

Is Aspire Resources Inc. harassing you?

When a debt collector calls, it is important to know your rights. A collection agency is a third-party debt collector assigned to pursue and recover debts on behalf of lenders or creditors.

Debt collectors call people for different reasons; to discuss your debt, to tell you about your debt status, or to request for the number or address of a family member or friend who is in debt.

It is best to settle a debt before it finds its way into the hands of a third party debt collector by discussing payment options with your creditor, but if that is not possible, you should remember that you have rights that must be respected throughout the process of debt collection. Debt collectors are brought in when a debt has been left unpaid for a long time. This is why many people are thrown into a state of shock and panic when a debt collector calls them, they may even have forgotten about the debt in question.

While financial management is very important, we can not rule out the fact that people will get into tough financial situations once in a while. As they seek to pay their debts, the last thing they need is a debt collector making life more difficult for them. If a debt collector is harassing you, we can help you. Call us now on 877-700-5790 to discuss your options and get access to free legal assistance.

The FDCPA

The Fair Debt Collection Practices Act is a federal law that guides and regulates the activities of debt collectors. It was enacted in response to the complaints of many consumers on the unfair treatments meted on them by debt collectors.

As a result of this, the FDCPA laid down certain rules which debt collectors must adhere to. Failure to adhere to these rules attracts penalties.

According to the FDCPA,

Debt collectors should not call a person’s phones many times a day with the intent of annoying the person.
Debt collectors should not threaten a debtor with lawsuits that they do not intend on filing.
Debt collectors should not threaten to send a debtor to jail.
Debt collectors should not harass people over debts they do not owe.
They should not threaten physical harm to a debtor.
It is illegal for debt collectors to tell any third party about a person’s debt
Debt collectors must properly identify themselves and the debt they are attempting to collect.

If a debt collector does any of the above, they are violating the FDCPA.

It must be noted, however, that the FDCPA does not apply to local debts like when you owe a shoe shop. It applies to debts that involve third-party debt collectors

Who is Aspire Resources Inc. and how do they handle federal student loans?

Aspire Resources Inc. is a third-party debt collector established in 2001. Together with its parent company, Aspire Resources Inc. provides student loan solutions to employers, lenders, secondary markets, and postsecondary institutions.

Aspire Resources Inc. employs a team of dedicated employees who manage operations and support clients.

Contact Information

P O Box 65970,

West Des Moines, IA50265

Website: http://www.aspireresourcesinc.com

Phone: (855) 475-3335

Is Aspire Resources Inc. a scam?

No, Aspire Resources Inc. is an approved collection agency. Read more about them here Aspire Resources Inc. Better Business Bureau

Aspire Resources Inc. is often referred to or searched for by other names. These include:

Aspire Resources Inc. Phone Numbers

Are you receiving any harassing phone calls from the following number?

855-475-3335

If the answer is yes, then you are receiving calls from a known AR number. You may be a victim of debt collection harassment. Call us now on 877-700-5790 for further assistance.

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Aspire Resources Inc. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at 877-700-5790 for immediate assistance.

Common questions our clients ask about Aspire Resources Inc. and their repayment plans

Q: How do I charge a debt collection organization with harassment?

A: First of all, contact us to know if you have a valid case of telephone harassment against a debt collection agency. If you do, we will take the case up from there.

Q: Will it involve appearing in court?

A: Many harassment disputes are settled by a mutual agreement between the parties involved. Not every case goes to trial.

Q: How much will it cost?

A: There is no fee for you. The best part about working with the lawyers provided by Consumer Rights Law firm is that it is absolutely FREE! We demand nothing from you, as our legal fees will be settled by the debt collection organization charged with the debt collection harassment.

Overview of Aspire Servicing Center’s Services

Aspire Servicing Center is a dedicated student loan servicer that offers a comprehensive range of services to borrowers. As a subsidiary of Aspire Resources, Inc., which is a for-profit arm of the nonprofit organization Iowa Student Loan, the servicing center is committed to assisting borrowers with their student loans. Aspire Servicing Center handles various aspects of loan management, including customer service, payment processing, and loan counseling. They specialize in servicing student loans that are not federally held, such as private student loans owned by ISL Education Lending. Aspire Servicing Center also works with vendors to facilitate online payments and support services. This ensures that borrowers receive the support they need to manage their loans effectively.

Types of Student Loans Serviced by Aspire Servicing Center

Aspire Servicing Center provides services for a variety of student loans, ensuring that borrowers have access to the support they need regardless of the type of loan they hold. The types of student loans serviced by Aspire Servicing Center include:

Private student loans owned by ISL Education Lending
Parent and student loans from an Aspire affiliate
Federally-held loans (until 2015)
Federal Family Education Loans
Direct student loans (until 2015)

By servicing these diverse loan types, Aspire Servicing Center helps borrowers navigate their repayment options and manage their financial obligations.

How to Make Payments to Aspire Servicing Center

Making payments to Aspire Servicing Center is straightforward and convenient, with several options available to suit different preferences. Borrowers can choose from the following payment methods:

Online payments: Use the secure login portal to make payments quickly and easily. You will need your account number to log in securely. For your security, always protect your login credentials and monitor your account activity when making online payments.
Auto-debit payments: Set up automatic payments through your online account to ensure timely payments and avoid late fees.
Mail or fax payments: Complete the authorization form available on the website and send it via mail or fax.
Phone payments: Contact the customer service team at the official telephone number, 800-243-7552, to make a payment over the phone. Always use the official telephone number to ensure secure transactions.

These flexible payment options make it easy for borrowers to stay on top of their loan payments and manage their finances effectively.

Student Loan Counseling and Support

Aspire Servicing Center is dedicated to providing comprehensive student loan counseling and support to borrowers. Their services include:

Assistance with repayment plans: Explore different repayment options to find the one that best fits your financial situation.
Guidance on managing debt: Receive expert advice on how to manage your debt and avoid default, including verifying that all your personal and loan information is correct during counseling sessions.
Information on federal student loan benefits and forgiveness programs: Learn about the benefits and forgiveness programs available for federal student loans.
Support for borrowers experiencing financial difficulties: Get the help you need if you’re facing financial challenges that make it difficult to repay your loans.

With these support services, Aspire Servicing Center aims to help borrowers successfully manage their student loans and achieve financial stability.

Understanding Your Rights as a Borrower

As a borrower, it’s important to understand your rights and responsibilities when it comes to your student loans. Aspire Servicing Center is committed to providing you with accurate and timely information about your loans, including:

Information about your loan balance and payment history: Stay informed about your loan status and payment history.
Options for repayment and deferment: Explore different repayment and deferment options to manage your loan payments effectively.
Information about federal student loan benefits and forgiveness programs: Learn about the various benefits and forgiveness programs available for federal student loans.
Support for borrowers experiencing financial difficulties: Access the support you need if you’re facing financial challenges.

Borrowers should carefully review all loan documents and personal information for accuracy. Always check that your date of birth and other important dates are correct in your records. To obtain official documents or statements related to your loans, follow the instructions provided on the official site or page. When making changes to your account or placing a fraud alert, seek confirmation from the relevant agency to ensure your request has been processed.

For assistance, refer to the following information:

Customer service contact details
Steps for updating your account
Procedures for requesting documentation

When managing your loans online, make sure you are accessing the correct site or page. Visit official websites for more information about your rights and effective loan management. Be cautious when clicking on links in emails or on websites—use only trusted links to protect your personal information.

By understanding your rights and the resources available to you, you can make informed decisions about your student loans and work towards financial stability.

Preventing Debt Collection Harassment: What You Need to Know

Debt collection harassment is a serious concern for anyone managing debts, especially those with private student loans serviced by Aspire Servicing Center. Understanding your rights and responsibilities as a debtor is the first step in protecting yourself from unfair or illegal collection practices. Under federal law, specifically the Fair Debt Collection Practices Act (FDCPA), debt collectors—including Aspire Resources Inc.—must follow strict rules when contacting you about your loans.

The FDCPA prohibits debt collectors from calling you at inconvenient times, such as late at night or during your employment hours, and from using abusive or threatening language. They are also not allowed to make false statements about your debts or misrepresent the amount you owe. If you believe a debt collector has violated these rules, you have the right to file a complaint with the Better Business Bureau or the Federal Trade Commission (FTC). These organizations can help you address complaints and protect your rights as a consumer.

To minimize the risk of debt collection harassment, it’s important to make timely payments on your loans. Aspire Servicing Center offers convenient online payments and the option to set up automatic payments through your online account, helping you avoid missed or late payments that could lead to default. Keeping accurate records of your payments, account numbers, and any correspondence with Aspire Resources Inc. or other servicing companies is essential for resolving disputes and confirming your payment history.

If you’re facing financial difficulties, don’t hesitate to seek support services from a non-profit credit counseling agency or a qualified financial advisor. These resources can help you create a budget, manage your debts, and explore repayment options that fit your situation. Remember, you have the right to dispute debts you believe are incorrect and to request verification of any debt a collector claims you owe. Always request this information in writing and keep copies of all documents and communications for your records.

In cases of identity theft or fraud, act quickly by contacting the FTC and the Better Business Bureau to report the incident. You can also place a fraud alert on your credit reports to help protect your personal data and prevent further unauthorized activity. Be sure to notify Aspire Resources Inc. or any other relevant servicing center if you suspect your account has been compromised.

Taking a proactive approach—making timely payments, using online and automatic payment options, keeping thorough records, and seeking support when needed—can help you avoid debt collection harassment and maintain control over your financial future. By understanding your rights and utilizing available resources, you can confidently manage your loans and protect yourself from unfair collection practices.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.