- Who is ARC Management Group?
- ARC Management Group Complaints?
- ARC Management Group Lawsuits
- ARC Management Group Contact
- ARC Management Group Calling?
- How Do I Stop ARC Management Group Debt Collection Harassment?
- How Can I Delete ARC Management Group from My Credit Report?
- How Can I Deal with ARC Management Group?
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ARC Management Group, LLC (ARC) is a third-party collection agency based in Georgia that specializes in collecting delinquent healthcare provider bills. ARC 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 ARC, understand your rights before taking action.
According to the Better Business Bureau (BBB), ARC Management Group, LLC was founded in 2006, and the BBB established its profile page in 2009. ARC is listed as a collection agency with a headquarters in Kennesaw, GA. Buzzfile estimates ARC’s annual revenue at $5 million and the size of its staff at 38 people.
According to its website, ARC “is a full service pre-legal and legal commercial and consumer collection agency that operates nationwide and can litigate when necessary in many states.” ARC’s operating philosophies are “business and technology leadership, personalized services to…clients, and a commitment to the highest level of service.”
ARC Management Group offers collection services in three areas: first party medical collections, third-party contingency collections, and legal action. ARC’s medical billing and first-party collection division “specializes in the billing and collections of medical accounts receivables nationwide,” and utilizes digital billing and collection management systems; fully integrated claims editing and submission; uninsured and underinsured collections; special revenue projects; and security and compliance policies.
ARC’s contingency collections services are for “businesses that wish to efficiently secure funds from their past due customers, without tasking internal resources to do so.” Their third-party collection services employ “effective phone contact, various letters in series, skip tracing, and legal review” to collect delinquent accounts for healthcare providers, financial services companies, retail lenders, telecommunications companies, and transportation companies.
ARC’s litigation team is “licensed to practice law in multiple jurisdictions, for both consumer and commercial accounts.” In addition, ARC provides business-to-business collections for commercial accounts. ARC’s website is client-facing; their Consumer Credit Information page only lists contact information for the credit reporting agencies.
As of October 2017, the BBB has given ARC a rating of B+. the BBB has closed 30 complaints against ARC Management Group in the preceding three years, with 15 closed in the past 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with customer service. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 24 complaints against ARC. Justia lists at least 7 cases of civil litigation naming ARC as a defendant.
Absolutely. Here are some Sample Cases against ARC Management Group, LLC.
Many complaints against ARC Management Group demonstrate a tendency toward inaccurate documentation and inappropriate communication tactics. For example, in July 2017, a complainant reported finding a delinquency for a visit to a healthcare facility on his credit report. He indicated that he “had never received any communication from the original creditor…nor had he received any communication from” ARC. He indicated that the FDCPA required ARC to notify him of any delinquencies before reporting the information to the credit reporting agency. He also contacted the original creditor, and they did not have any record of the alleged debt. In response, ARC indicated that the account was closed and a deletion request was sent to the credit reporting agency.
In March 2017, a complainant indicated that AC had withdrawn funds from his checking account twice without his authorization—once for $106 and a second time for $109.07. Despite several efforts to contact ARC by phone, he was unable to reach a representative. In response, ARC apologized, blamed the unauthorized withdrawals on a technical error, and refunded the unauthorized amount.
In August 2016, a complainant indicated he had initially been contacted by an ARC Management Group representative by phone for a 2014 debt he claimed he had already paid. Regardless, he began receiving daily calls allegedly harassing him about the bill. He insisted he would contact the original healthcare provider directly and requested that all telephone contact cease. Nonetheless, he continued receiving calls, including calls to his employer that he had specifically indicated he was not allowed to receive. When he objected, the representative allegedly became hostile and threatening, and said she would “ruin his credit” if he did not send a check immediately. Despite his repeated requests, he received still more phone calls. In response, ARC posted a reply that stated, “We are more than happy to cease and desist communications on this account. However, we have many people in our account database with the same name. If you could provide the phone number that we are calling or the account number, we would certainly remove it from our system.”
ARC Management Group, LLC
1825 Barrett Lakes Blvd., Suite 505
Kennesaw, GA 30144
Understanding your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are federal laws that regulate how collection agencies may conduct themselves.
The FDCPA prohibits actions such as the use of abusive or threatening language; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies report information to credit reporting agencies.Additional consumer protection laws include the Consumer Financial Protection Act (CFPA) and the Telephone Consumer Protection Act (TCPA).
The complaints above illustrate why it is important to understand your rights and responsibilities under these laws when attempting to communicate with collection agencies.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers to recover damages of up to $1,000, plus attorney fees and court costs, in cases proving violations of the FDCPA. Seek legal assistance if you are having difficulty resolving a dispute with a 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 recieving 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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