For Consumers
Did you receive a notice from Ivy Recovery Group?
Getting a letter from a debt collector can be stressful. This page explains, in plain language, who we are, why you may have heard from us, what your rights are, and how to reach us. Take your time — nothing here requires an immediate decision.
Who We Are
We are a debt collection agency working on behalf of a business you had an account with
Ivy Recovery Group is a third-party debt collector. Businesses — such as a medical provider, lender, utility, landlord, school, or retailer — ask us to help resolve accounts that show an unpaid balance. We are not the original company you did business with, and we are not a law firm or a government agency.
Our job is to explain the balance clearly, answer your questions honestly, and, if the debt is valid, help you find a way to resolve it. We are required to follow federal and state laws that protect you, and we take that seriously.
Important disclosure
Ivy Recovery Group is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
How to reach us
The best way to contact us is in writing, so there is a record of what was said.
Mailing address: [PLACEHOLDER: mailing address if required]
Please include the reference number from your notice so we can find your account quickly. Do not send full Social Security or bank account numbers by email.
Why We Contacted You
A business has told us you have an outstanding balance
Your notice names the business (the "creditor"), the amount they say is owed, and the date the balance was calculated. Common reasons people hear from us include:
A bill you did not know about
For example, a medical charge your insurance did not cover, or a final utility bill after you moved.
A bill you thought was resolved
A payment may not have posted, or a balance may remain after a partial payment or refund.
A bill you disagree with
You may believe the amount is wrong, the account is not yours, or the debt was already paid. You have the right to dispute it — see below.
Not sure the account is yours?
Identity mix-ups happen. If you do not recognize the creditor or the account, tell us in writing. We will investigate and will not continue collecting on a disputed account until we have verified it with the creditor.
Verify the Debt
You are entitled to know exactly what this debt is
Federal law requires us to send you a written validation notice that includes:
- The name of the creditorBoth the business you owe now and, if different, the business you originally had the account with.
- An itemization of the debtThe balance on a specific "itemization date," plus any interest, fees, payments, or credits since then, and the current amount.
- Your dispute deadlineA specific date — at least 30 days after you receive the notice — by which you can dispute the debt or request the original creditor's name and address.
- A tear-off dispute formYou may use it, or simply write to us in your own words.
If you have not received this notice, or if you have lost it, email support@ivyrecoverygroup.com and we will send another copy.
Dispute the Debt
How to dispute, and what happens when you do
If you believe the debt is not yours, the amount is wrong, or it has already been paid, you have the right to dispute it. You can dispute at any time, but doing so in writing within 30 days of receiving your validation notice gives you the strongest protections.
- Write to us. Email support@ivyrecoverygroup.com or mail the dispute form from your notice to [PLACEHOLDER: mailing address if required]. Include your reference number and, if you can, the reason you dispute the debt.
- We stop collecting. Once we receive a timely written dispute, we pause collection activity on the disputed portion of the debt.
- We verify. We go back to the creditor for documentation — such as an account statement, contract, or itemized bill — that supports the debt.
- We respond in writing. We mail you the verification before any collection resumes. If we cannot verify the debt, we will not continue collecting it.
You can also request the original creditor's information
If the business that placed the account with us is different from the one you originally dealt with, you may ask us in writing, within the 30-day period, for the name and address of the original creditor. We will send it to you and pause collection until we do.
Disputing with a credit bureau
If this account appears on your credit report and you believe it is inaccurate, you may dispute it directly with the credit bureau as well as with us. We are required to investigate and correct or delete information that is found to be inaccurate.
Stop or Limit Contact
You control how, when, and whether we contact you
Ask us to stop entirely
Tell us in writing that you want us to stop contacting you. After that, we may contact you only to confirm we are stopping or to tell you about a specific action the creditor intends to take, if any. The debt itself does not go away, but the communication does.
Choose a channel or time
You may tell us not to call you at work, not to use a particular phone number or email address, or to contact you only at certain times. You may also opt out of emails or text messages at any time using the instructions in each message.
Have someone speak for you
If you are represented by an attorney, tell us and we will communicate with your attorney instead. You may also authorize a family member or advocate to discuss the account with us by telling us in writing.
Send any of these requests to support@ivyrecoverygroup.com. We honor them promptly and note them permanently on the account.
Payments & Arrangements
If the debt is valid, we will work with you on a realistic plan
There is no single right way to resolve a balance. Depending on the creditor's guidelines, options may include paying in full, a payment plan over several months, or in some cases a reduced settlement amount. We will explain each option clearly and confirm any agreement in writing before you pay.
- Online payments[PLACEHOLDER: payment portal link] — secure card or bank payments with an emailed receipt.
- Payment by mailCheck or money order payable to Ivy Recovery Group, sent to [PLACEHOLDER: mailing address if required]. Include your reference number.
- Payment plansEmail us the monthly amount you can manage. We will let you know what the creditor can accept and send you a written schedule.
- Written confirmationEvery arrangement and every payment is confirmed by email or letter, and a paid-in-full or settled letter is issued when the account is resolved.
Before you pay
Make sure you have received your validation notice and are satisfied that the debt is yours and the amount is right. Paying does not waive your right to dispute later, but verifying first avoids confusion. We will never pressure you to pay before you have had a chance to review your notice.
Protect yourself from scams
Genuine communications from us always include your account reference number and this email address: support@ivyrecoverygroup.com. We will never ask for payment by gift card, wire transfer, or cryptocurrency, and we will never threaten arrest. If something feels wrong, email us to confirm before acting.
Your Rights
The Fair Debt Collection Practices Act protects you
The FDCPA is a federal law that governs how third-party debt collectors like us may behave. Regulation F, issued by the Consumer Financial Protection Bureau (CFPB), adds detailed rules. In plain terms, here is what they mean for you.
We must be honest
We cannot misrepresent who we are, how much you owe, or what will happen if you do not pay. We cannot pretend to be attorneys or government officials.
We cannot harass you
No repeated calls intended to annoy, no abusive language, no threats of violence or harm. Under Regulation F, more than seven call attempts in seven days about a single debt is presumed to be harassment.
We must respect your time
We may not call before 8 a.m. or after 9 p.m. in your local time zone unless you ask us to, and we must stop calling you at work if you tell us your employer does not allow it.
We must protect your privacy
We cannot discuss your debt with your family, friends, neighbors, or employer (other than to locate you, within strict limits). We cannot post about your debt publicly, including on social media.
You can dispute and verify
You have the right to dispute the debt and receive verification, and to request the original creditor's name and address, as described above.
You can tell us to stop
You may ask us in writing to cease communication, and you may opt out of any electronic channel at any time.
Time-barred debts
Some debts are too old to be enforced in court under your state's statute of limitations. We do not sue or threaten to sue on time-barred debts. If a debt is time-barred, your notice will tell you so where the law requires.
State laws may give you more
Many states add protections, such as additional licensing requirements, disclosures, or limits on interest and fees. Your state attorney general's office can tell you more.
Learn more or file a complaint
The CFPB publishes clear guides on debt collection and accepts complaints about collectors. Visit consumerfinance.gov/consumer-tools/debt-collection or file a complaint at consumerfinance.gov/complaint. You may also contact the Federal Trade Commission at reportfraud.ftc.gov or your state attorney general.
We would also like the chance to resolve any concern directly. Email support@ivyrecoverygroup.com with "Complaint" in the subject line and we will respond in writing.
Common Questions
Questions people often ask us
Is Ivy Recovery Group a legitimate company?
Yes. Ivy Recovery Group is a debt collection agency that works on behalf of businesses nationwide. You can confirm that a communication is genuinely from us by emailing support@ivyrecoverygroup.com with your reference number. Licensing information: [PLACEHOLDER – list state licenses/registration numbers].
Will you sue me, garnish my wages, or have me arrested?
No one can be arrested for owing a consumer debt. Ivy Recovery Group is not a law firm and does not file lawsuits. Our focus is on resolving accounts through communication and voluntary arrangements. We will never threaten action that is not intended or not lawful.
Why did you contact me at work, or contact a relative?
If we did not have a current phone number or address for you, the law allows us limited contact with third parties solely to locate you, and we may not disclose that you owe a debt. If you would prefer we not contact you at work, tell us and we will stop.
Will this affect my credit?
Some accounts are reported to credit bureaus, depending on the creditor's instructions and applicable law. We never report an account before you have received your validation notice and had a chance to dispute. If an account is reported and later paid or settled, the tradeline is updated accordingly. Medical debt is subject to additional restrictions under current bureau policies and some state laws.
I already paid the original creditor. What should I do?
Email us a copy of your proof of payment (a statement, receipt, or bank record) and your reference number. We will pause collection, confirm with the creditor, and close the account if the balance was resolved.
I cannot afford to pay right now. What are my options?
Tell us. Hardship is common, and we would rather understand your situation than guess. Depending on the creditor's guidelines we may be able to offer a payment plan or a temporary hold. Nothing on this website obligates you to pay before you are ready.
How do I get something in writing?
Everything we agree to is confirmed in writing by email or letter — including payment plans, settlements, and paid-in-full letters. If you have not received a confirmation you expected, email support@ivyrecoverygroup.com.
We Are Here to Help
Questions about your notice? Write to us.
Email is the fastest way to reach us and gives you a written record. Include the reference number from your notice.
Email support@ivyrecoverygroup.comOr use the consumer contact form.