ARstrat Collections Complaints? Calling, Harassing You?

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ARstrat LLC is a 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 ARstrat legit? Are they a scam?

ARstrat, LLC is a legitimate third-party debt collection agency based in Houston, Texas. ARstrat, LLC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including making false statements and failing to verify debts. If ARstrat, LLC has contacted you about past due collection items, make sure you know your rights before taking action.

According to its website, ARstrat, LLC has decades of experience collecting debt originating from the healthcare industry. ARstrat, LLC’s patient collection services division is a full-service, third-party collections operation that promises an “extremely cost-effective, customer-oriented means of resolving unpaid self-pay accounts.” ARstrat, LLC boasts that its team of professional debt collectors maximizes cash recovery while preserving the positive image of its clients.

ARstrat, LLC employs a variety of methods in support of its debt collection practices. These methods include using its staff of professional debt collectors to follow up with individual debtors to obtain payment or establish payment plants. Additionally, ARstrat, LLC reports individual debtors to the national credit report agencies in order to prevent debtors from obtaining new lines of credit while other debts remain unpaid. In addition to these methods, ARstrat, LLC also utilizes litigation services to sue debtors in court. If ARstrat, LLC is successful in obtaining a judgment against an individual debtor, that judgment will accrue interest until paid in full, and it can also be used to obtain a wage garnishment against the debtor.

ARstrat, LLC’s website cites a policy of adherence “to the Fair Debt Collection Practices Act, Telephone Consumer Protection Act (TCPA), and Consumer Financial Protection Bureau (CFPB) guidance. ARstrat, LLC also monitors state laws to ensure compliance and coordination with federal laws.” However, its website does not provide a page with links and references to consumer protection resources, laws, and enforcement agencies.

Who does ARstrat collect for?

ARstrat, LLC offers debt collection services to hospitals, clinics, academic healthcare centers and other healthcare organizations.

As a third-party debt collection agency, ARstrat, LLC 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 ARstrat, LLC 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 ARstrat, LLC debt collectors.

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Reviews: How many complaints have been filed against ARstrat?

ARstrat, LLC is not accredited by the Better Business Bureau (BBB), which issued issued ARstrat, LLC an “F” rating. The BBB website lists 26 complaints against ARstrat, LLC in the past three years, only 12 of which have been resolved in the past 12 months. 25 of these complaints contained allegations related to ARstrat, LLC’s billing and collections practices, while the remaining complaint contained allegations related to ARstrat, LLC’s services. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 14 complaints against ARstrat, LLC, all of which contained allegations related to ARstrat, LLC’s debt collection practices. In addition, Justia, one of the largest online legal databases in the United States, lists at least 20 federal cases of civil litigation involving ARstrat, LLC.

 Are you asking yourself…

Why is ARstrat calling me?

ARstrat 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 ARstrat 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.

How do I stop ARstrat from calling?

First you can write a cease and desist letter. Explain to ARstrat that they have the wrong person and insist that they stop calling you. Make sure to send your letter via certified mail with a return receipt requested. If debt collectors from ARstrat persist in calling you, make sure to keep a log. Note the date and time of each call, the name of the debt collector, and what was said. Under the Fair Debt Collection Practices Act, debt collectors, who violate the law, must pay consumers up to one thousand, dollars plus attorney’s fees. A fair debt attorney can represent you at no charge, and can readily evaluate your case. It’s also important to file complaints with the Better Business Bureau and with the Federal Trade Commission.

Can ARstrat harass me?

No. If you’ve been contacted by ARstrat, 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 insults, 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.

Can ARstrat sue me?

Yes. ARstrat 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 ARstrat 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 ARstrat garnish my wages?

Yes. However, ARstrat cannot threaten you to garnish your wages and garnishment can only only occur if ARstrat 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 ARstrat report my debt to the Credit Bureaus?

Yes. ARstrat 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 ARstrat 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 ARstrat 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 ARstrat call me at work?

Yes, ARstrat can call you at work however there are strict limits about what ARstrat can say or ask about you if they are calling your at your place of employment. If you want them to stop calling your job, you should tell them not to and you say that your employer either doesn’t allow those types of calls or it’s inconvenient for you. If they keep calling after you have made this request, it’s actually a violation of the Fair Debt Collection Practices Act for them to continue to call you. These laws prevent calls to work when you’ve told them not to, so it’s important to make that clear to the debt collector calling you. Take the date, and time, and the name of the person that you spoke with when you asked them not to call at work and then consult with an attorney about your rights

Can ARstrat call my family members?

Yes. Again however, there would be strict limits to what they can say. It would be illegal, for example, if ARstrat called your family and discussed your debt with them. It might be easier to say that the ONLY reason a debt collector can contact your family is to obtain or confirm your location information so that they may contact you. That is the only exception to the law regarding third party contact. Collection calls are annoying enough, but when a collector is calling your friends, family, co-workers or place of employment and discloses information about your finances, the annoyance can quickly turn into harassment. Under federal law, debt collectors cannot discuss your debts with your children, roommates, and in many states, even your spouse.

Can ARstrat arrest me?

No. ARstrat – or any other debt collection agency like ARstrat 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 ARstrat?

Yes. You can sue ARstrat if you believe they 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 ARstrat – 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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