AmerAssist A/R Solutions (AAARS) is an Accounts Receivable Management (ARM) company based in Ohio that specializes in third-party debt collection. AmerAssist 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 improper contact or sharing of information.If you have been contacted by AmerAssist, make sure you understand your rights before taking action.
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According to the Better Business Bureau (BBB), AmerAssist A/R Solutions is a legitimate collection agency, founded and incorporated in 2004. The BBB established a profile page for AAARS in 2007. AAARS is listed as a collection agency. The Chief Executive Officer (CEO) of AAARS is also the President of Commercial Debt Counseling Corp. and Turnaround Commercial Corp. Buzzfile estimates AAARS’s annual revenue at $2.5 million and the size of its headquarters staff at 23 employees.
According to its website, AmerAssist – A/R Solutions “is one of the most experienced collection and outsourcing organizations in the nation serving credit grantors in a broad range of industries.” AAARS offers services that “are endorsed by over 100 national trade and professional associations,” and in the past year has “collected over $800 million dollars, maintaining the cash flow necessary for the profits and growth of over 10,000 credit grantors.”
As a full-service ARM company, AmerAssist – A/R Solutions offers a wide range of services. Their accounts receivable management division provides “healthcare revenue cycle management and…commercial receivables recovery to a diverse customer base. These programs…service traditional delinquent accounts…and first party/early out receivables.”
AAARS’s third-party collections division provides post charge-off collections for “older accounts in later stages of delinquency” and skip tracing services that “merge innovative technologies with advanced skill sets, …experience, and …proven…techniques.” Their Binary Collection Program employs two phases—a primary phase that “consists of a series of high impact collection contacts, including an attorney demand,” and a secondary phase that utilizes “one of the nation’s most comprehensive litigation services department to pursue and salvage second placements.”
AmerAssist – A/R Solutions accepts delinquent accounts from a variety of industries, including medical and healthcare providers; dental offices; financial institutions; insurance companies; consumer retail lenders; education lenders; utility and telecommunications providers; and commercial business-to-business collections.
AAARS is affiliated with many professional associations. Their Compliance page indicates its adherence to high-tech information security standards. They have also posted logos indicating compliance with the Fair Credit Reporting Act (FCRA), the Health Information Portability and Accountability Act (HIPAA), and the Fair Debt Collection Practices Act (FDCPA). However, they do not provide a page with links and references to consumer protection resources, laws, and enforcement agencies.
The BBB has closed 16 complaints against AmerAssist A/R Solutions in the preceding 3 years, with 3 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collections.Since November 2015, the Consumer Financial Protection Bureau (CFPB) has closed 20 complaints against AAARS. Justia lists at least 10 cases of civil litigation involving AmerAssist.
AmerAssist A/R Solutions
445 Hutchinson Ave., Ste. 500
Columbus, OH 43235-8616
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely AmerAssist A/R Solutions 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 Cases
Complaints against AmerAssist A/R Solutions commonly cite problems resulting from poor customer service and aggressive collection tactics. In January 2017, a complainant indicated she had begun receiving phone calls from IRS “regarding a bill for …her son…for his braces.” According to the complainant, the calls from YEARS were “nasty,” and the AmerAssist A/R Solutions representative she spoke with was “rude, hateful, vindictive and downright nasty when she dealt with her.” After being approached by AAARS, the complainant contacted her son’s dentist. The office manager at the dental office “told…her that…his account was handled inappropriately from the get go, hence the reason… she had been getting these phone calls.” The complainant indicated that the AAARS representative had never begun telephone conversations by stating, “‘Hello, this is a representative …with AmerAssist, and I am just calling to follow up on’” a medical bill. Instead, during phone conversations, the AAARS representative “interrupted…her several times while…she was trying to talk…, leading her to get angry.” The representative allegedly called back and asked to record the call, and the complainant told the representative that she had contacted the dental provider and told AAARS to contact them for further guidance. The complainant asked the AAARS representative not to call her back. The complainant concluded by stating that AAARS management “needs to have their staff go through customer service training, empathy training and the like,” and that if “these are the kinds of people…AAARS employs, …they should be ashamed.” She also stated that AAARS “is NOT for helping people, all they are after is the almighty dollar, and they don’t care who they hurt or destroy in the process.” She indicated she would not tolerate having her son’s chances in employment and education ruined by allowing his credit to be destroyed. The complainant indicated her intent to seek legal assistance if AAARS refused to meet with her demands.
In response, a member of MARS’s legal team indicated they had ceased collection activity on the account “and requested that the credit bureaus remove this debt from her son’s credit bureau files.” He acknowledged that the complainant was not liable for the debt but defended the actions of his representative. He also stated that AmerAssist A/R Solutions “does not condone any disrespectful or harassing language, … takes appropriate action when such conduct is suspected, and … will recommend that the representative in question is interviewed about this matter and that she undergo additional training.”
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.
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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.
What Our Clients are Saying
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
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