Account Resolution Services or ARS is a third-party collection agency based in Florida. ARS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and failing to verify debts. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), Account Resolution Services, LLC is a legitimate collection agency started in 1979. The BBB established a profile page for ARS in 1996.ARS is listed as a collection agency, billing service, medical biller, and medical staffing service. ARS uses at least 20 alternate business names, including ARS Accounting Resolution; Emergency Physician Northern VA Community Hospital; Emergency Physician Palms; Emergency Physician West Boca; Emergency Physicians Ft. Walton; Emergency Physicians Health Central; Emergency Physicians Palmetto; Emergency Professional Services, Inc.; EMSA South Broward, Inc.; HCFS Healthcare Financial Services, LLC; Healthcare Revenue Recovery Group, LLC; HRRG, LLC; Inphynet Hospital Services; Inphynet South Broward, Inc; Paragon; Paragon Contracting Services, LLC; Paragon Contracting SRV, LLC; Plantation Billing Center; Southwest Florida Emergency Management, Inc.; and Sunrise Billing Center Team Health. The BBB also lists 15 alternate phone numbers for ARS. Buzzfile estimates ARS’s annual revenue at $108,000 and the size of its headquarters staff at 2 employees.
According to its website, Account Resolution Services “is a division of Healthcare Revenue Recovery Group (HRRG).” The ARS website does not provide a lot of detailed information about its business practices or client base. Page tabs include Payment, Request, FAQs, Notices, and Contact.
The Payment tab leads to a link to the ARS online payment portal. The Request tab leads to a page with email addresses and a sample email message site visitors can use to request a paid-in-full letter. The FAQs page tells site visitors how to make online payments; how to locate their account numbers on collection notices; how to request that ARS stop making phone calls; and information about the three national credit reporting agencies. The Notices tab provides a link for requesting all collection letters sent within the previous year. The Contact page provides telephone numbers, mailing addresses, and hours of operation.
The ARS website includes the following legal disclosure: “This is an attempt to collect a debt and any information obtained shall be used for that purpose. This communication is from a debt collector.” However, they do not provide any information about their regulatory compliance policies, or any links or references to consumer protection resources, laws, or enforcement agencies.
As of May 2018, the BBB has given ARS a rating of F. the BBB has closed 340 complaints against Account Resolution Services in the preceding 3 years, with 156 complaints closed in the past 12 months. The largest share of those complaints alleged problems with billing and collections; however, several consumers also complained about advertising and sales or customer service. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 68 complaints against ARS, all of them attributed to HFCS. Justialists at least 9 cases of civil litigation involving ARS.
Account Resolution Services, LLC
1643 Harrison Pkwy., Ste. 100, Bldg. H
Sunrise, FL 33323-2857
Telephone: (800) 562-2945
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely ARS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Complaints
Complaints against Account Resolution Services commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In May 2018, a complainant indicated that he had sent ARS a “certified letter requesting validation of accounts they are attempting to collect; however, ARS allegedly failed to respond. The complainant indicated that under the “Texas Finance Code the debt collection agency has thirty (30) calendar days to respond to a debt validation request… and that all debt collectors operating in the State of Texas must be able to verify, or ‘validate,’ any debt on which they are attempting to collect payment.” The complainant also stated that debt collectors must be able to “provide the alleged debtor with specific information concerning their debt, including but not limited to: the name of the original creditor; the original date of default or non-payment of the debt; the date the debt was transferred from the original creditor to the third-party debt collector; the original balance; and the current balance.” The complainant indicated that ARS had failed to fulfill its obligation and stated that he now has the right to sue but indicated he would prefer to allow ARS a chance to resolve the problem prior to litigation. In response, ARS stated that they had “investigated the consumer’s dispute; … verified with their client that the information being reported was accurate; … and that validation was mailed to the consumer on that date. However, …. due to the age of the account, …ARS agreed to close and request deletion from the credit bureaus.””
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”
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