Advanced Recovery Services ARS Collections Complaints? Calling, Harassing You?

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Advanced Recovery Services or ARS debt collection agency is bound by the Fair Debt Collection Practices Act. Learn more about the company and how you can stop harassing debt collection calls.

Is Advanced Recovery Services legit? Are they a scam?

Advanced Recovery Services, Inc. or ARS is a legitimate third-party debt collection agency founded in 1992 and based in Indiana. Advanced Recovery Services, Inc. has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and harassment. If ACS has contacted you about past due financial obligations,make sure you understand your rights before you respond.

According to its website, Advanced Recovery Services, Inc. is a full-service collection agency offering a variety of accounts receivable management services, including reporting debt to the credit reporting agencies; customized client reports; electronic file transfers; first-party business services, including legal services; access to large local databases; and a subsidiary relationship with a regional hospital.

Advanced Recovery Services, Inc. is staffed with professional debt collectors, whose job is to contact patients and/or others who are financially responsible for the cost of medical services provided by Advanced Recovery Services, Inc.’s clients and collect upon that debt. All of ARS’ employees are certified as collectors by the American Collectors Association. Advanced Recovery Services, Inc. focuses its efforts on collecting debt on behalf of its clients, while working to maintain the public image of its clients. Additionally, Advanced Recovery Services, Inc. utilizes “the latest technology in software and hardware.” Advanced Recovery Services, Inc. boasts that it uses the “top collection module in the country, Flexible Automated Collection Software” to most efficiently recover debt for its clients.

Advanced Recovery Services, Inc. is a member of several national debt collection associations, including the American Collectors Association (ACA) and the National Healthcare Collectors Association (NHCA).

If ARS is trying to collect a debt from you, you can expect an initial letter from them explaining the origin of the debt wherein they may ask for additional information from you to verify the debt. After 30 days have elapsed, Advanced Recovery Services, Inc. will commence telephone calls to the debtor in order to establish a payment plan. If Advanced Recovery Services, Inc. is unable to collect in full, it will initiate legal proceedings against the debtor, and if it obtains a judgment, it will pass all legal related costs on to the debtor, thereby increasing the amount owed.

Who does Advanced Recovery Services collect for?

Advanced Recovery Services, Inc. specializes in medical accounts receivable.

As a third-party debt collection agency, Advanced Recovery Services, Inc. is required to adhere to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive debt collection tactics. Nevertheless, consumers have filed complaints accusing Advanced Recovery Services, Inc. of violating the FDCPA. Those accusations have included claims that the debt collection agency has threatened to sue consumers without actually intending to do so and talking to third parties about consumers’ debts. It’s imperative that you know your rights under the law before speaking with Advanced Recovery Services, Inc. debt collectors.

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Reviews: How many complaints have been filed against Advanced Recovery Services?

Advanced Recovery Services, Inc. is accredited by the Better Business Bureau (BBB). The BBB issued Advanced Recovery Services, Inc. an “A” There have been no complaints filed against Advanced Recovery Services, Inc. in the past three years. The Consumer Financial Protection Bureau lists one complaint against Advanced Recovery Services, Inc. related to its debt collection practices

Advanced Recovery Services harassing you?

If you’ve been contacted by ARS, you have the right to sue them in federal court if the debt collection agency has violated the Fair Debt Collection Practices Act. Signs that you may be on solid legal footing are:

  • The debt collection agency called you several times in a single week
  • A debt collector calls you before 8:00 a.m. or after 9:00 p.m.
  • You’ve told the debt collection agency that you can’t receive calls at work, but they call anyway
  • The debt collection agency is threatening to sue you
  • A debt collector has disclosed information about your debt to family members, coworkers, or friends
  • The debt collection agency is asking you to pay collection fees
  • A debt collector swears at you or calls you names

The Fair Debt Collection Practices Act was put into law in order to protect consumers like you, but there’s a catch. While the government sues debt collection agencies that egregiously violate the law, it doesn’t sue agencies on behalf of individual consumers. Instead, the FDCPA has what’s called a fee-shifting provision. This means that, if you sue and win, then the debt collection agency has to pay your court costs and attorney fees. Fee-shifting levels the playing field so that you can assert your rights.

Are you asking yourself…

Why is Advanced Recovery Services calling me?

Advanced Recovery Services could be calling for a number of reasons, all of them related to debt collection:

  • They could be collecting a debt on behalf of a creditor. For example, your dentist may have hired the agency to collect on a past due dental bill.
  • They may be calling about a debt incurred by someone you don’t know. For example, it could be a wrong number call or your phone number could have been previously owned by the person who actually owes the debt.
  • They could be calling to ask the whereabouts of someone you know. For example, they may believe that a family member of yours owes a debt and they’re trying to get a hold of his or her phone number or find out where he/she works.
  • They may be trying to get you to make a small payment on a time-barred debt in order to restart the clock on the statute of limitations. For example, they could have purchased a very old bundle of uncollected cell phone bills that are legally unenforceable; convincing a consumer to pay even a dollar makes the debt current again.

If you’ve been contacted by ARS it’s important to know your rights under the Fair Debt Collection Practices Act. If they’ve violated your rights, you can take the agency to court and sue for statutory damages of up to $1,000 – along with court costs and attorney fees.

Can Advanced Recovery Services sue me?

Yes. Advanced Recovery Services can sue you if you owe the debt, however, threatening to sue or serve you with papers if they don’t intend to do so is a violation of the Fair Debt Collection Practices Act. Additionally, after receiving the first collection notice, you have 30 days to dispute the debt. If you dispute the debt, then ARS is required by the FDCPA to prove that you do, in fact, owe the money. A debt collection agency isn’t allowed to sue you if, for example, the debt is past the statute of limitations or if you do not legally owe the debt. It’s a good idea to speak with a fair debt attorney if you’ve been served with a summons or legal complaint.

Can Advanced Recovery Services garnish my wages?

Yes. However, Advanced Recovery Services cannot threaten you to garnish your wages and garnishment can only only occur if ARS files a lawsuit and obtains a judgment against you. It’s common for consumers to ignore notice of a lawsuit; if you don’t appear in court, the judge may automatically rule against you. Debt collection agencies have been known to avoid serving consumers with notice to increase the odds of obtaining a judgment. This is called “sewer service” or “gutter service.” The bottom line? If wage garnishment takes you by surprise, talk to a consumer attorney who can fight for your rights.

Can Advanced Recovery Services report my debt to the Credit Bureaus?

Yes. Advanced Recovery Services can report debts in collection to the three major credit reporting agencies – Experian, TransUnion, and Equifax. Once a debt is reported to the credit bureaus, it will appear on your credit report and will impact your credit score.

Can Advanced Recovery Services put a lien on my house or property?

Yes. However, as with wage garnishment, a property lien can only arise out of a court judgment against you. If ARS files a lawsuit against you and the judge rules in their favor, then the debt collection agency has a right to collect that money. One way of doing that is by putting a lien on your house or property. That’s why it’s imperative to respond to legal papers and to have an attorney by your side who will fight on your behalf.

Can Advanced Recovery Services arrest me?

No. Advanced Recovery Services – or any other debt collection agency like ARS for that matter – has no authority whatsoever to arrest you. In fact, threatening you with arrest or jail is a violation of the Fair Debt Collection Practices Act. While so-called “debtors prisons” are illegal, only non-payment of things like traffic tickets can lead a judge to issue a bench warrant, which in turn can lead to arrest.

Can I sue Advanced Recovery Services?

Yes. You absolutely have the right to sue Advanced Recovery Services if you believe ARS violated the Fair Debt Collection Practices Act. The FDCPA says that debt collection agencies that violate the law must pay consumers up to $1,000 in statutory damages, as well as court costs and attorney fees. That’s why engaging a fair debt attorney to represent you in an FDCPA lawsuit typically doesn’t cost you anything out of pocket. The attorney that agrees to take on your case knows that the debt collection agency will be forced to pay their fees.

Ready to fight for your rights?

If Advanced Recovery Services – or any other debt collection agency – is calling you to the point of harassment, using abusive or profane language, or violating the FDCPA in some other way, it’s time to fight back. Under the law, you may be entitled to up to $1,000. At Lemberg Law, we won’t charge you a dime out of pocket, and we only get paid when you win. Call us today for a free, no-obligation, case evaluation. We’ll get the justice that you deserve.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.

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