Consumer Resources for Debt Recovery2022-01-12T19:00:44+00:00


Receiving a call or a letter from a decedent debt recovery agency can be a confusing and frustrating experience for a family member who has just suffered the loss of a loved one. AscensionPoint Recovery Services, LLC is committed to providing as much information about the decedent debt recovery process allowed by law in order to assist the consumer in making informed decisions about available options. Below we have provided responses to some FREQUENTLY ASKED QUESTIONS to help consumers navigate through the decedent debt recovery process.

Contact Us

AscensionPoint Recovery Services, LLC (“APRS”)

200 Coon Rapids Boulevard, Suite 200
Coon Rapids, Minnesota 55433
Phone: 763-235-4050
Fax: 763-235-4055

For general inquiries

  • Toll Free Phone: 888-806-9074
  • TTY: 800-877-8339

Compliment or Complaint?

We want to hear from you. All concerns will be responded to within 36 hours, weekends excluded.

To join our team

Why is AscensionPoint contacting me?2021-10-22T19:51:10+00:00

AscensionPoint handles accounts for clients who have been informed their customer has passed away. We are one of several national estate and probate recovery specialists that receive these specialized accounts. The placement of an account with our office is not a negative reflection upon the account, the customer, or the family. It is merely the next step in the process after an account has been closed by our clients due to a customer’s passing. Once we receive an account in our office, we attempt to locate an Executor or otherwise authorized Estate Representative to determine if a probate administration has been or will be filed in the probate courts. We do not seek to hold any family member personally responsible for the financial matters of a deceased customer, but family members may be contacted to help us ascertain with whom we should be speaking.

I received a letter from AscensionPoint with no account information on it, but it asks me to contact them. Why is there no information in the letter?2021-10-22T19:51:10+00:00

That letter is often referred to as a “Location letter,” and is typically sent to the last known address our client had on file for its deceased customer. The letter is sent to help us ascertain with whom we should speak about the account. The initial letter does not contain any account information because we are required by law not to disclose any information about any financial matters to any unauthorized party. The absence of account information is to preserve the integrity and security of the account and prevent possible fraudulent activity resulting from information being obtained by an unauthorized party. Once we have obtained a confirmed authorized Estate Representative, a letter containing account information and other important disclosures is sent to the Estate Representative within 5 days of the initial communication.

Am I responsible for paying the debts of my deceased spouse or other deceased family member?2021-10-22T19:51:10+00:00

We do not seek to hold any family member personally responsible for the financial matters of a deceased customer. We only seek to resolve financial matters with the estate, if the estate is sufficiently solvent to do so. This is why we contact persons to ascertain the authorized Estate Representative. We operate on the assumption that our clients’ valued customers would like to see their financial matters resolved through their authorized Estate Representative and our goal is to help facilitate that process.

I was an authorized user on my deceased loved one’s account. Am I liable for the account balance?2021-10-22T19:51:10+00:00

We do not seek to hold any family member personally responsible for the financial matters of a deceased customer. We only seek to resolve financial matters with the estate, if the estate is sufficiently solvent to do so.

How do I get AscensionPoint to stop calling me?2021-10-22T19:51:10+00:00

If you are receiving unwanted communications from our office, simply call our toll-free number so that we may discontinue communications. Please be sure to provide ALL the telephone numbers we have been calling so we can ensure that all applicable telephone numbers are properly handled. If you do not reach a representative, please leave a message with the name of the decedent and/or the telephone numbers called so we can identify the account(s) and stop future calls. Our toll-free number is 888-806-9074 (TTY: 800-735-2922).

I called AscensionPoint but the representative refused to tell me what this was about until I provided them with information. Why should I do this when they called me?2021-10-22T19:51:10+00:00

Like many institutions that handle confidential financial information, AscensionPoint is unable to disclose account information until a verification process is completed to ensure a caller is in fact the authorized Estate Representative. This process is not meant to make things more difficult, but to ensure that we are speaking with the proper person to discuss the financial matters of the estate, to protect against any unauthorized third-party disclosure of the deceased customer’s financial information and to protect the deceased customer’s privacy. The verification process typically includes obtaining the decedent’s full name, the authorized party’s full name and one or more of the following: decedent’s date of birth, date of death or the last four digits of the decedent’s social security number. We are required to complete the verification process on all calls even if a caller previously completed it on a recent call. This is similar to the process that all consumers go through when contacting their own respective financial institutions; the financial institution typically will not discuss account information until identification is verified. If you feel uncomfortable with confirming any information, then please do let our representatives know that you no longer wish to discuss the matter or be contacted by us further.

I received a call or letter from AscensionPoint and see reports all over the Internet that this is a scam. What should I do?2021-10-22T19:51:10+00:00

Neither AscensionPoint nor any of its clients are attempting to scam anyone. Ascension Point is a legitimate licensed entity with an impeccable Better Business Bureau rating. When a person passes away, their sole financial obligations typically do not disappear and it is normally up to the person’s estate to resolve any financial matters, to the extent that the estate is in a position to do so. The majority of our clients have customers who passed away with open accounts, which were closed after their passing and sent to us for resolution. Unfortunately, we are unable to control what people post on the Internet. Not everything found on the Internet is always accurate. If you feel uncomfortable discussing a financial matter with our office and would like no further communications from AscensionPoint, please contact us so we can discontinue further communications. However, if you received a call or letter and would like to know why we are contacting you, please feel free to contact us. Our toll-free number is 888-806-9074 (TTY: 800-735-2922).

My relative always handled their financial matters timely and with due care. Since I know this to be true, why would I need to speak to AscensionPoint now?2021-10-22T19:51:10+00:00

Many people handle their financial matters responsibly and remit payment by the agreed upon due date. In some instances, a timely remittance covers all activity on an account through the due date. In other instances, a remitted payment may not cover all account activity through the due date, but rather though some earlier activity period. This earlier period could be thirty or even sixty days prior to the actual due date, creating a gap. In light of this, and operating under the assumption that our clients’ valued customers would like to see their financial matters resolved, the authorized Estate Representative may choose to speak with our office so we may help facilitate that process.

My family member died many years ago. Why am I being contacted by AscensionPoint now?2021-10-22T19:51:10+00:00

Our clients place accounts with us once they are notified that a customer is deceased. As such, it is possible that they were notified of a customer’s passing several months or even years after their customer’s actual date of death.

I am the authorized party for the estate but there are no assets to satisfy any financial matters of the deceased. How do I get AscensionPoint to stop contacting me?2021-10-22T19:51:10+00:00

If the estate has no assets or is completely insolvent, please call or write to let us know so we can ensure that you receive no further unnecessary communications. In some instances, we may ask you to provide an inventory or accounting (i.e., a document that lists the assets and liabilities of the estate) if one is available. If an inventory or accounting is not available, please let us know there is no inventory or accounting.

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