Are you sick of your phone ringing with endless calls from Quality Asset Recovery? Do you feel anxious every time an unknown number pops up, worried it’s them again? You’re not alone. Across the country, countless consumers are dealing with the stress and frustration of Quality Asset Recovery debt collection harassment.
Debt collectors have a job to do—but they don’t have the right to harass, threaten, or mislead you. The good news is, the law protects you. And in many cases, you may be entitled to financial compensation if your rights have been violated.
This article breaks down everything you need to know about stopping harassment from Quality Asset Recovery, defending your rights, and taking legal action if necessary.
Who Is Quality Asset Recovery?
Quality Asset Recovery (QAR) is a third-party debt collection agency based in New Jersey. The company specializes in collecting past-due accounts for:
- Government agencies
- Colleges and universities
- Healthcare providers
- Municipal services and traffic fines
- Utility companies and more
Although they are a legitimate business, QAR has received numerous consumer complaints over the years about debt collection harassment, especially related to repeated and aggressive phone calls.
What Is Debt Collection Harassment?
The Fair Debt Collection Practices Act (FDCPA) defines debt collection harassment as any action by a debt collector that is abusive, deceptive, or unfair.
Harassment from Quality Asset Recovery might include:
- Calling you multiple times per day
- Calling you early in the morning or late at night
- Leaving threatening voicemails
- Contacting you at work after being asked not to
- Refusing to validate the debt upon request
- Trying to collect a debt that you don’t owe
- Using profane or abusive language
All of these behaviors qualify as Quality Asset Recovery debt collection harassment—and they’re illegal.
Real Complaints Against Quality Asset Recovery
Here are some common consumer reports from complaint boards and the Better Business Bureau:
“They kept calling me at work even after I told them to stop. My HR had to get involved!”
“I paid the debt five years ago, but they’re still contacting me. It feels like harassment at this point.”
“They called my parents and told them I owed money. I’m a grown adult! This was humiliating.”
If you’ve experienced anything similar, know that you’re not alone—and there’s help available.
Your Legal Rights as a Consumer
You have rights under federal law that protect you from Quality Asset Recovery debt collection harassment. These rights are outlined in the FDCPA, the Telephone Consumer Protection Act (TCPA), and even some state-specific consumer protection laws.
FDCPA (Fair Debt Collection Practices Act)
Under the FDCPA, debt collectors are prohibited from:
- Harassing or abusing you
- Making false or misleading statements
- Calling repeatedly or at inappropriate times
- Disclosing your debt to third parties
- Failing to identify themselves in communications
If they violate the FDCPA, you may sue for:
- Up to $1,000 in statutory damages
- Actual damages (like emotional distress)
- Attorney’s fees and costs
TCPA (Telephone Consumer Protection Act)
If QAR uses robocalls or auto-dialers to contact you without your prior consent, they could be violating the TCPA.
You may be entitled to:
- $500 per call or text (unintentional)
- $1,500 per call or text (willful violations)
Signs You’re Being Harassed
If you’re not sure whether what you’re experiencing is considered harassment, look for these red flags:
- Getting 5–10 calls a day from different numbers
- Being threatened with arrest or legal action
- Having friends or family contacted about your debt
- Being pressured to pay immediately without documentation
- Getting calls at odd hours, like 6 a.m. or 11 p.m.
If any of these apply, you’re likely facing Quality Asset Recovery debt collection harassment, and you can take action.
How to Respond to Quality Asset Recovery
Here’s what to do (and what not to do) if you’re being contacted by QAR:
✅ Do: Request Debt Validation
You have the right to request written validation of the debt. They are legally required to send:
- The original creditor’s name
- The amount owed
- Proof that the debt is yours
Send this request within 30 days of first contact.
✅ Do: Keep Records of All Communication
Start a log that includes:
- Call dates and times
- The caller’s name and number
- What was said or threatened
- Any voicemails, letters, or texts you received
This documentation is crucial if you need to report them or file a lawsuit.
✅ Do: Send a Cease-and-Desist Letter
If the calls don’t stop, write a formal cease-and-desist letter asking them to stop contacting you. After this, QAR is only allowed to contact you to say they’re stopping or that they plan to take legal action.
❌ Don’t: Admit to the Debt Over the Phone
Even if you think the debt might be yours, don’t confirm or agree to anything on a phone call. This could reset the statute of limitations or be used against you.
❌ Don’t: Ignore the Harassment
Avoiding the calls won’t make them stop—and it could hurt your legal position. Respond calmly and document every step.
How to File a Complaint Against Quality Asset Recovery
If QAR continues to harass you, you can file complaints with the following agencies:
- Consumer Financial Protection Bureau (CFPB)
Website: www.consumerfinance.gov - Federal Trade Commission (FTC)
Website: www.ftc.gov - Your State Attorney General
Visit your state’s official website for contact info.
These agencies can investigate and penalize illegal collection practices.
Can You Sue Quality Asset Recovery?
Yes! If you’re the victim of Quality Asset Recovery debt collection harassment, you may be able to sue them in federal court.
You don’t need to prove financial losses. Just showing they violated your rights can be enough to win damages.
You may be able to recover:
- $1,000 under the FDCPA
- $500–$1,500 per call/text under the TCPA
- Compensation for emotional distress
- Attorney’s fees and legal costs
And you usually don’t have to pay anything upfront—most consumer protection attorneys work on a contingency basis, meaning they only get paid if you win.
What If the Debt Is Real?
Even if you do owe the debt, you still have rights. Collectors cannot:
- Lie to you
- Threaten you
- Call you excessively
- Contact others about your debt
The legality of the debt doesn’t give them the right to break the law. You can negotiate or settle the debt without enduring harassment.
What If the Debt Is Not Yours?
Many people are harassed over debts that don’t even belong to them. This can happen due to:
- Mistaken identity
- Outdated records
- Identity theft
You can dispute the debt and demand it be removed. If they keep contacting you without proof, that’s a legal violation.
Frequently Asked Questions
❓ Can Quality Asset Recovery call me at work?
Only if your employer allows it. If you tell them not to contact you at work, they must stop.
❓ What should I do if they’re calling my family?
They are only allowed to contact third parties once—and only to get your contact information. Anything more is a violation.
❓ Can I block their number?
Yes, but they might use multiple numbers. It’s more effective to send a written cease-and-desist letter.
❓ How long do they have to validate the debt?
They must cease collection efforts until the debt is validated. They should respond within 30 days.
You Deserve Peace of Mind
No one should have to deal with constant calls, threats, or intimidation. If Quality Asset Recovery debt collection harassment is affecting your life, you don’t have to handle it alone.
Take the next step. Know your rights. And consider reaching out to a consumer protection attorney who can fight for you.
Contact a Consumer Rights Lawyer Today
Have you been harassed by Quality Asset Recovery? You may be eligible for compensation.
