Is Recovery Solutions Group a merchant cash advance lender?

No. Recovery Solutions Group, LLC is a third-party debt collection agency based in Milford, Delaware, incorporated in February 2012. It advertises merchant cash advance recovery as one of its services, alongside fire and water debt recovery, HOA assessment fee recovery and international commercial collections. If it is contacting your business, it is working an account that a funder placed with it for collection. The money is still owed to that funder, and identifying which funder it is should be your first question.

Is Recovery Solutions Group legitimate?

Yes, it is a real company. Recovery Solutions Group, LLC has been BBB accredited since March 22, 2021 and holds an A plus rating, with a BBB file opened in June 2012. Its three-year complaint file shows twelve complaints, all of which the company answered, though none of the published complaints is marked resolved. We found no FTC, CFPB or state attorney general enforcement action against it. Note that the BBB profile flags that collection agencies may require state licensing, bonding or registration, which is worth verifying in your own state.

Does the Fair Debt Collection Practices Act protect me from an MCA collector?

Generally not. The Fair Debt Collection Practices Act defines debt at 15 U.S.C. section 1692a(5) as an obligation arising from a transaction primarily for personal, family or household purposes, and courts apply that test to the transaction rather than to the borrower. A merchant cash advance is a business-purpose transaction, so the Act's protections, including the thirty-day validation notice and the written cease-contact right, do not apply. Some state laws impose their own licensing and conduct rules on collection agencies that are not limited to consumer accounts, so ask a lawyer in your state what applies to you.

What should I ask Recovery Solutions Group for in writing?

Ask for the name of the client that placed the file, whether the account was placed for collection or sold outright, a full accounting showing the amount funded and every payment and fee, a copy of the signed agreement including any personal guarantee or confession of judgment, and the details of any UCC filing including the office and file number. Send the request dated and by a method that proves delivery. You are not invoking a federal statute, because it does not apply to business debt. You are building a record and forcing the file to be treated as a negotiation.

Can a balance with Recovery Solutions Group be settled?

Often, yes, but the authority may not sit with the agency. A contingency collector earns nothing on a file that sits, which creates real room to negotiate, yet on a placed file the agency can usually approve only a limited discount and must return to the funder for anything larger. Ask directly what the collector can approve without asking. Be aware also that disputing a file can simply send it back to the client, as the company described doing in a June 2026 complaint response, after which the funder may place it elsewhere, refer it to an attorney or sue. Get every settlement term, including the release language and a deadline in days, in writing before any money moves.

Business Debt Adjusters

Recovery Solutions Group: Reviews, Complaints, and What MCA Borrowers Should Know

Published August 20, 2026

Short answer: Recovery Solutions Group is not a merchant cash advance funder. It is a third-party debt collection agency in Milford, Delaware, and one of the services it advertises by name is merchant cash advance recovery. If it is calling your business, it is working a file a funder placed with it, which means the money is still owed to somebody else. That changes how you should respond. It also means the statute most owners reach for, the Fair Debt Collection Practices Act, does not apply to your account. What you have instead is your contract, your numbers, and a contingency collector's incentive to close.

This page summarizes the public record as of August 20, 2026: the company's own website, its Better Business Bureau profile and complaint file, a Consumer Financial Protection Bureau complaint record, and the Fair Debt Collection Practices Act.

Recovery Solutions Group is a collector, not a funder

This is the most important thing on the page, and it is what most people searching this name have wrong. Recovery Solutions Group, LLC is a Delaware limited liability company incorporated February 16, 2012, with a BBB file opened that June. Its BBB profile lists Bill Richards as chief executive officer and Michelle Shaw as general manager, and describes the business as providing "accounts receivable management and collection services, including first-party and third-party solutions for slow-pay and no-pay accounts."

The service list on that profile tells you what kind of file yours is: AR management, fire and water debt recovery, HOA assessment fee recovery, international commercial collections, a national attorney network, private investigators, and merchant cash advance recovery. Its homepage repeats the point, calling itself "Merchant Cash Advance Recovery Specialists."

So the company did not advance you money. A funder did, stopped getting paid, and handed the file to an agency that earns a share of what it brings back. In its own words, answering a BBB complaint on June 10, 2026, Recovery Solutions Group wrote that it had "closed the file as disputed and returned to our client," and named the client. A collector who can return a file does not own the debt.

Make sure it is the right company

The name sits close to a dozen others, and confusing them costs weeks. Separate BBB profiles exist for Debt Recovery Solutions, LLC of Syosset, New York, Atlantic Recovery Solutions, LLC of Getzville, New York, and United Recovery Solutions, LLC of Deltona, Florida.

The one described here lists a Milford, Delaware address and the phone number 302-241-0686. One oddity trips people up: the BBB profile gives the address as 1008 Mattlind Way, the company's own site gives 117 E Liberty Way, both in Milford. Send any dispute letter to the address printed on the correspondence you received, by a method that produces a receipt.

What the record shows

We check the same sources for every company in this directory, and several of this one's come back favorable.

BBB rating. A plus, accredited since March 22, 2021, file opened June 25, 2012.
Complaints. Twelve in three years, three closed in the last twelve months: eight billing, three service or repair, one customer service.
Outcomes. All twelve are marked answered and none unanswered, so the company does engage. None is marked resolved, and in those we read the complainant rejected it.
Enforcement. We found no FTC, CFPB or state attorney general action naming Recovery Solutions Group, LLC.
Licensing. The BBB profile notes this industry "may require professional licensing, bonding or registration." Verify it with your state.

The customer reviews there are almost uniformly positive, and it is worth knowing why. Read the wording and you find creditors, not debtors: "RSG helped me recover unpaid invoices," "my deadbeat client started making payments." Those reviewers are the clients who hire the agency, not the businesses being called.

The federal law you are thinking of does not cover you

Almost every business owner who gets a collection call looks up the Fair Debt Collection Practices Act and assumes it applies. On a merchant cash advance, it does not.

The statute defines "debt" at 15 U.S.C. section 1692a(5) as an obligation arising from a transaction in which the money or services are "primarily for personal, family, or household purposes." Courts read that as a test of the transaction, not the borrower. An advance taken to make payroll or buy inventory is a business-purpose transaction, so the account falls outside the Act, and the familiar protections go with it: the thirty-day validation notice, the ban on calls before eight or after nine at night, the right to demand in writing that contact stop.

Write a letter demanding validation "under the FDCPA" and a collector who knows the law knows it has no teeth. Ask for the same documents as a matter of your contract and your own accounting instead. Two caveats: if part of what is collected is genuinely personal debt, the Act may reach that part, and several states impose their own rules on collection agencies not limited to consumer accounts.

What the complaint file shows a business owner

The complaint worth reading was filed January 8, 2025 by a self-described small business owner. It is one-sided by nature and the company disputes it, but its shape is the useful part.

The complainant states the original loan was 3,000 dollars, that only 700 dollars remained outstanding, and that Recovery Solutions Group "placed a lien on multiple accounts and removed 3,663.03 dollars without my consent" while still claiming more. The company answered on January 15, 2025: "I do show this balance as settled in full and the lien releases were sent. We can provide a letter as such if needed." The complainant rejected that, and the file closed as answered rather than resolved.

Set aside who is right; the lesson survives either version. A dispute about the balance and a dispute about the release are two different things, and the second outlives the first. If a collector says a balance is settled and liens released, ask for the release letter naming the exact filing and confirm it independently. The company said in writing it would provide such a letter if needed. Need it.

The older record shows a harder edge. A Consumer Financial Protection Bureau complaint filed November 5, 2017, complaint ID 2721082, concerns a payday loan account, which is consumer debt and squarely inside the Act. The consumer alleged voicemails left on their own phone and a friend's phone by an agent who never identified the company, statements about being served paperwork at home or at work, a threat to contact human resources, a refusal to give a mailing address, and threats of garnishment. The company's response is recorded as untimely. It is one nine-year-old allegation rather than a finding, but it is in the file.

Read it alongside the company's own collections page, which states that "RSG discloses the Mini Miranda on every call at the onset" and argues at length against agencies that "threaten to take an undesirable course of action." That is a fair standard to hold it to. Log every call: date, time, name given, what was said.

What to ask for, in writing, before you pay anything

The name of the client. Which funder placed the file. This decides who you are really negotiating with and who must sign any settlement.
The agency's authority. Whether the file was placed or the debt was sold. Placed means the funder still decides; sold means the buyer does.
A full accounting. Amount funded, every payment and date, every fee, and the arithmetic producing the number demanded. Compare it to your bank record line by line.
The signed agreement. Including any personal guarantee and confession of judgment provision.
Any UCC filing. Filing office, file number and named secured party. Check it yourself in your state of registration.
Written settlement terms before money moves. Schedule, exact release wording, who signs, and a deadline stated in days. Never pay against a verbal promise.

Ask for it all in one dated letter sent so delivery is provable. You are not invoking a statute; you are building a record and giving the collector a reason to treat the file as a negotiation rather than a phone campaign. If you would rather not send it alone, a free consultation is a reasonable place to have it reviewed first.

How settlement works when a collector holds the file

A contingency collector earns nothing on a file that sits. That is leverage, and it is the honest reason these accounts often settle below the demand. But the leverage has a ceiling, and the ceiling is the funder. On a placed file the agency can usually accept some discount and must go back to its client for anything beyond it. So the first question is not "what will you take," it is "what can you approve without asking." The answer tells you whether you have the decision maker or the messenger.

Understand too what disputing does. In the June 2026 complaint above, the company closed the file and returned it to the client. That is not a win: the balance went home, and the funder can place it with another agency, refer it to the attorney network this company advertises, or sue. A dispute buys accuracy and time, not a discharge.

If the advance behind this file is one of several, sequencing matters more than any single negotiation. That is the subject of our overview of merchant cash advance debt relief, and the funder that placed your file may have a page in our MCA lender directory.

Frequently asked questions

Five questions we are asked most often about this company are answered below, drawn entirely from the sources named at the end of this page.

If the payments are the problem

Most business owners who reach us at this stage carry several advances rather than one, and a collection call is simply the first advance to run out of patience. The absence of federal consumer protections narrows the toolkit rather than emptying it: what remains is the accuracy of the balance, the documents behind it, the UCC filings, the personal guarantee, and what the funder will put in writing. Send us the agreement, your statements and whatever correspondence you have received through a free consultation, and we will tell you in writing what is realistic, including if we do not think we can help.

This article summarizes public records as of August 20, 2026: the published website of Recovery Solutions Group, LLC, including its homepage and collections page; the Better Business Bureau profile, complaint file and customer reviews for Recovery Solutions Group, LLC of Milford, Delaware; Consumer Financial Protection Bureau complaint ID 2721082, received November 5, 2017; and the Fair Debt Collection Practices Act at 15 U.S.C. section 1692a. Complaint references are to allegations as recorded in those files, not findings we have made, and complaint counts change over time. Recovery Solutions Group, LLC is not affiliated with Business Debt Adjusters and has not participated in this article. Nothing here is legal advice; questions about state collection agency law belong with a lawyer in your state. Business Debt Adjusters helps business owners restructure merchant cash advance and other business debt; that is our interest, and readers should verify every figure against the primary sources.