Stop AscensionPoint Recovery Services LLC Phone Harassment!
Is AscensionPoint Recovery Services, LLC harassing you with constant phone calls? If they are threatening legal action, calling at all hours, or disclosing your debt to others, you are likely experiencing illegal debt collection harassment. Consumer Rights Law Firm PLLC helps consumers stop illegal debt collection calls and hold abusive collectors like AscensionPoint Recovery Services, LLC accountable under federal law.
Understanding Decedent Debt Collection Harassment
When a loved one passes away, dealing with their financial affairs is difficult enough. Receiving aggressive calls from a company like AscensionPoint Recovery Services, LLC (APRS) about “decedent debt” can add significant stress. While collecting on debts from an estate is a legal process, the methods used can cross into illegal harassment.
Collecting estate debt is legal, but the tactics used must comply with strict federal consumer protection laws.
What is AscensionPoint Recovery Services, LLC?
According to Better Business Bureau, AscensionPoint Recovery Services, LLC is a nationally licensed third-party collection agency that specializes in recovering debts from the estates of deceased individuals, known as decedent debt recovery. While they operate in a sensitive niche, they are still fully bound by the same laws that govern all debt collectors.
Company Details:
Full Name: AscensionPoint Recovery Services, LLC (APRS)
Address: 200 Coon Rapids Blvd NW Ste 200, Coon Rapids, MN 55433-5867
Reported Phone: (763) 235-3710
BBB Profile: Accredited since 2007, with 26 complaints closed in the last 3 years.
Complaints Against AscensionPoint Recovery Services
The following is a sample list of complaints filed against APRS in and can be found on Pacer.gov. Many cases involve the filing of lawsuits or formal complaints against APRS.
| Case Name | Case Number | Filing Year | Defendant |
|---|---|---|---|
| Ismail v. AscensionPoint Recovery Services, LLC | 2:18-cv-01345-JHE | 2018 | AscensionPoint Recovery Services, LLC |
| Liantonio v. AscensionPoint Recovery Services, LLC | 2:13-cv-05157-LDW-WDW | 2013 | AscensionPoint Recovery Services, LLC |
| Drawdy v. AscensionPoint Recovery Services, LLC | 1:13-cv-10116-FDS | 2013 | AscensionPoint Recovery Services, LLC |
| Feinberg v. AscensionPoint Recovery Services, LLC | 1:11-cv-04955-NGG-JMA | 2011 | AscensionPoint Recovery Services, LLC |
| Fisher v. AscensionPoint Recovery Services, LLC | 0:11-cv-01370-JNE-AJB | 2011 | AscensionPoint Recovery Services, LLC |
Why Aggressive Debt Recovery Crosses the Line
Debt collection, especially concerning a deceased person, requires a careful balance. Problems arise when agencies prioritize recovery over compliance and empathy. The complexity of estate law can lead collectors to pressure family members who may not be legally obligated to pay, using intimidation to secure quick settlements.
The sensitive nature of estate debt creates a high risk for collectors to use unlawful pressure tactics on grieving families.
The FDCPA Against AscensionPoint
The Fair Debt Collection Practices Act (FDCPA) is your primary legal shield, regardless of the debt type. It grants you specific, enforceable rights against AscensionPoint Recovery Services, LLC.
Your Key Rights Include:
The right to request written validation of the debt, including the amount and the original creditor’s name.
The right to demand that they stop calling you.
Protection from harassment, false statements, and unfair practices.
If AscensionPoint violates the FDCPA, you may be eligible for up to $1,000 in statutory damages, plus compensation for actual harm, and they must pay your attorney’s fees. The Federal Trade Commission (FTC) provides the full text of this law. FTC: Fair Debt Collection Practices Act
The FDCPA applies to all third-party collectors, giving you control over communication and requiring them to prove the debt’s validity.
Understanding these rights is crucial, but enforcing them alone can be challenging. If your rights are being ignored, a specialist firm like Consumer Rights Law Firm PLLC can help you enforce them effectively.
Is AscensionPoint Breaking the Law?
Harassment is not just annoying, it’s a specific legal violation. If AscensionPoint engages in any of the following, they are likely breaking the law:
Calling before 8 a.m. or after 9 p.m. in your time zone.
Threatening actions they cannot legally take, such as immediate arrest, property seizure, or jail time for a civil debt.
Calling you repeatedly with the intent to annoy, abuse, or harass.
Falsely representing the amount of debt, their identity (e.g., pretending to be an attorney), or the legal status of the debt.
Disclosing the debt to third parties like family members, neighbors, or employers.
Examples of AscensionPoint Harassment
Based on consumer reports and legal complaints, these are common patterns:
Voicemail Pattern: “This is an urgent message regarding a financial obligation associated with a deceased individual. Please call back immediately to avoid further action.” (Vague and creates undue alarm without proper disclosure.)
Intimidation Tactic: Implying that you, as a family member, are personally liable for the debt when you may not be, using phrases like “settle this now or we will proceed against the estate—and you.”
Excessive Contact: Multiple calls per day or week, especially after you have asked for written communication or stated that the executor is handling matters.
What To Do If You’re Being Harassed In 2026
Take these steps to protect yourself and stop the harassment.
Step 1: Document Every Contact. Keep a log of dates, times, phone numbers, and what was said.
Step 2: Request Debt Validation in Writing. Within 30 days of first contact, send a certified letter to AscensionPoint’s Minnesota address demanding proof of the debt and their right to collect it.
Step 3: Send a Formal Cease and Desist Letter. If calls continue, send a letter demanding all telephone communication stop.
Step 4: File Official Complaints. Report violations to regulators:
(CFPB):
Federal Trade Commission (FTC)
Minnesota Attorney General’s Office
Managing this process while grieving can be overwhelming. For clear guidance and support, firms like Consumer Rights Law Firm PLLC can handle these steps on your behalf.
Building Your Harassment Case
Organized evidence is critical. Use a log like this for every contact:
AscensionPoint Recovery Services Call Log
| Date & Time | Phone Number | Collector Name | Summary of Conversation | Potential Violation |
|---|---|---|---|---|
| 04/15/2026, 9:05 PM | (763) 235-3710 | “Mr. Smith” | Claimed I was personally liable and must pay by week’s end. | Call after 9 p.m., False representation of liability. |
| 04/16/2026, 8:15 AM | Unknown | “Jane” | Called 3 times in 1 hour about “urgent estate matter.” | Excessive call frequency. |
Verify the Caller: A 2026 Guide to Avoiding Scams
Scammers often impersonate legitimate agencies. Protect yourself:
Ask for Details: Request the caller’s full name, company name, and mailing address.
Verify Independently: Hang up and check the official address against the BBB listing or state business registry. Do not call back a number they provide.
Never Give Sensitive Info: Do not provide Social Security numbers, bank account details, or estate documents over the phone.
2026 Scam Alert: Beware of calls demanding immediate payment via gift cards, wire transfers, or cryptocurrency for “estate debts.”
Active 2026 Updates in Debt Collection Enforcement
The regulatory landscape is strengthening consumer protections.
Increased CFPB Scrutiny: The CFPB is focusing on “repeat offender” collection agencies and improper practices around deceased debt.
Lawsuit Trends: Cases like Ismail v. Ascensionpoint Recovery Services highlight ongoing legal challenges to collection tactics.
Digital Harassment: Regulators are now also monitoring excessive text messages and emails as part of harassment patterns.
One-line takeaway: Regulators are cracking down on systemic violations, making it more important than ever to report illegal behavior.
AscensionPoint Tactics vs. The Law
This chart clarifies where tactics become illegal.
| Collection Tactic | Is It Legal? | FDCPA Law Reference |
|---|---|---|
| Calling at 7:30 a.m. or 9:15 p.m. | Illegal | § 1692c(a)(1) – Convenient times only (8am-9pm). |
| Threatening arrest for a debt | Illegal | § 1692e(4), (5) – False representation of legal status. |
| Calling 8+ times in one day | Illegal (Harassment) | § 1692d(5) – Conduct to harass, oppress, or abuse. |
| Telling your neighbor about the debt | Illegal | § 1692c(b) – Improper communication with third parties. |
| Continuing to call after a written cease request | Illegal | § 1692c(c) – Must honor written cease communication. |
| Failing to send a written validation notice | Illegal | § 1692g(a) – Required consumer notice. |
Get Help With AscensionPoint Recovery Services Harassment
If the calls from AscensionPoint are overwhelming, threatening, or simply won’t stop, you do not have to face this alone. Consumer Rights Law Firm PLLC specializes in stopping illegal debt collection harassment.
We help consumers by analyzing call patterns for FDCPA violations, handling all communication with the collector, and taking appropriate legal action to stop the harassment and protect your rights. You can contact us for a confidential evaluation of your situation. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Success Stories
Hands down worth all 5 stars! Everything that Scott said would happen, happened! He said the calls would stop, the calls stopped. He said no money out of pocket for their services and no money out of my pocket was spent. No more harassing calls, my credit report is being updated, and I’m getting money back! It’s a win-win! Highly recommend if you get a call from this firm, answer it! So worth it!
They worked quickly to not only get the account removed from my credit report, but also get me a settlement on top of that. Of course, this was my personal result – yours may differ. I didn’t have to pay a single dime for the service. All my questions were answered thoroughly and in a very timely manner. Do not hesitate to put your trust in this law firm.
Frequently Asked Questions (FAQs)
Is AscensionPoint Recovery Services, LLC a scam?
No, it is a legitimate, licensed collection agency specializing in decedent debt. However, legitimate agencies can still violate harassment laws.
Can AscensionPoint sue me or garnish my wages?
They can only sue the estate of the deceased. They cannot garnish your personal wages unless you are the executor and mismanage estate assets, or you are personally liable (e.g., a co-signer). Threats against you personally are often illegal.
Am I personally responsible for my deceased relative’s debt?
Generally, no. Debt is typically paid from the estate’s assets. You are not personally liable unless you co-signed the loan or are jointly responsible.
What should I do if I’m the executor and they keep calling me?
As the executor, you have a duty to settle valid debts. Request all communication and debt validation in writing to the estate. Inform them all communication must go through your attorney if you have one.
Can they report this debt to credit bureaus?
They may report a debt against the deceased’s credit file, but they should not report it on a surviving family member’s credit report unless that person is legally responsible.
What numbers does AscensionPoint call from?
The primary number is (763) 235-3710, but they may use other numbers or blocked caller ID.
How long do I have to take legal action for harassment?
The statute of limitations for an FDCPA violation is one year from the date the violation occurred.
What if the debt is outside the statute of limitations?
They can still attempt to collect, but they cannot sue the estate to enforce it. They must not misrepresent the legal status of such “time-barred” debt.
Can they contact other family members?
They can contact others only to locate the executor or the person authorized to handle the estate. They cannot discuss the debt.
What damages can I recover if I sue them?
You may recover up to $1,000 in statutory damages, plus compensation for actual harm (emotional distress), and they must pay your attorney fees and court costs.
Conclusion
Dealing with a loss is hard enough without the added burden of aggressive debt collectors. You have powerful rights under the FDCPA to stop harassment from AscensionPoint Recovery Services, LLC. By staying calm, documenting everything, and asserting your rights in writing, you can end the intrusive calls and focus on what matters most. Remember, professional help is available if you need support navigating this challenging situation.
