Account Resolution Services (ARS) on Your Credit Report? Fight Back and Win

Struggling with debt is difficult enough, but having to deal with aggressive collection agencies like Account Resolution Services can make matters even worse. In this article, we'll help equip you with the information you need to recognize and respond to unfair tactics used by Account Resolution Services. 

We'll also explain what Account Resolution Services is and how to get them removed from your credit report - and outline your rights under federal law so you can enforce them if necessary.

What Does Account Resolution Services Do?

Account Resolution Services is a Florida-based collection agency that makes a profit by recovering money that is owed to creditors. They do this by contacting debtors either directly through phone calls, emails and letters. In most cases, the company will actually purchase your debt from the original creditor - oftentimes, for pennies on the dollar.

After this, they'll attempt to recover the original amount owed, but will usually offer settlement amounts for seriously delinquent accounts. They have many tactics they use when attempting to force payment - including litigation, which can lead to courts garnishing wages or putting liens on bank accounts.

Is Account Resolution Services a Legit Company?

Technically, yes. Account Resolution Services is a legally licensed debt collector operating out of Florida. Some information about them can be found here:

• Phone Number: (800) 694-3048
• Address: 1643 Harrison Pkwy STE 100 Bldg H Sunrise, FL 33323-2857
• Website: https://www.arspayment.com/
• BBB Rating: 1/5 

That said, ARS has been found to engage in extremely unethical behavior, which is evidenced by their F rating from the Better Business Bureau and 1 star consumer reviews. Consumers have reported claims of harassment and abuse, as well as threats being made against them due to debts they supposedly owe.

If they reach out to you, avoid interacting with them - you should also take steps to verify that any debt they claim you owe is legitimate. This is best done with the assistance of a consumer protection lawyer.

What Can I Do If I’m Being Harassed by Account Resolution Services?

Unfortunately, most consumers are not familiar with their rights under federal law, which can create a lot of unnecessary stress and financial hardship when collectors call. If you've been contacted by ARS, keep in mind the company must treat you fairly and ethically during their debt collection attempts. 

According to federal law, ARS and other debt collectors are forbidden from using profane language, making threats, or calling multiple times at unreasonable hours. Furthermore, you have the right to dispute your debt by requesting validation of it in writing - so take advantage of this information if you suspect inaccurate records or fraudulent practices against your account.

Here are some illegal behaviors to watch out for when ARS calls:

• Misrepresenting or wrongfully inflating the amount of debt owed.
• Attempting to collect on time-barred or discharged debts without providing adequate information.
• Falsely claiming to be an attorney or law enforcement officer to intimidate the debtor.
• Communicating with the debtor's employer, friends, or family without the debtor's explicit permission.
• Threatening legal action or wage garnishment without the intention or authority to do so.
• Deliberately failing to provide the debtor with required documentation and notices.
• Exploiting or manipulating debtors with misleading information or deceptive practices.

Seeking legal counsel is important if you believe your rights have been violated by Account Resolution Services. An attorney with experience in consumer law can advise you on effective strategies to ensure success in the case.

Beyond consulting an attorney, it is also recommended that you document any offenses that occur as this will strengthen evidence and increase the likelihood of a successful outcome. While it may seem intimidating, suing Account Resolution Services may be the best way to defend your rights when they've been breached.

How Can I Get Account Resolution Services Removed from My Credit Report?

Disputing an Account Resolution Services (ARS) collections account on your credit report is the best way to maintain good credit standing and protect yourself from potential inaccuracies.

The collections account may not only impact your credit score negatively but might also hinder your ability to secure loans, obtain credit cards, or even secure employment. The dispute process should be carefully followed to ensure the best results and maintain your credit worthiness.

Before reaching out to the collection agency, it is crucial to gather your facts and proceed with the following steps to dispute the ARS account:

• Obtain a copy of your credit report: The first step is to request a free credit report from each of the three major credit bureaus - Equifax, Experian, and TransUnion. This will help you find errors, discrepancies or fraudulent accounts and provide an opportunity to verify your ARS account's legitimacy.
• Review your credit report: Carefully examine the ARS account listed on the report and compare it with your records. Check the date, amount owed, account status, and other pertinent details, ensuring it matches your records and is an accurate representation of your financial situation.
• File a dispute: If you find errors, inaccuracies or inconsistencies with the ARS account, initiate a formal dispute with each of the credit bureaus where the issue is present. This can be done online or through mailing a written letter with specific information about the contested account and any supporting documentation.
• Document the process: Keep accurate records of all correspondence and actions taken during the dispute process. This should include dates of communication, copies of letters, and any documentation providing evidence to support your dispute.

If you’re still not having any luck, it may be time to contact an attorney with experience in consumer law - they can provide you with an overview of your options, as well as recommendations for next steps.

Contact Us For Your Free Case Review

At Fair Credit, our attorneys have years of experience providing support and personalized guidance tailored to your individual financial circumstances - with solutions that will give you the long-term peace of mind that comes from being debt-free.

Take advantage of our free case review and find out how we can help you get back in control of your finances. Don't wait - reach out today.