ARM Solutions Inc or ARMS is a third-party collection agency based in Southern California. ARMS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and using false or misleading information in an effort to collect a debt. If you have been contacted by ARM Solutions, make sure you understand your rights before responding.
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According to the BBB, ARM Solutions, Inc. was founded in 2004 and incorporated in 2010. The BBB established ARMS’s profile page in 2008. ARMS is listed as a collection agency.
According to its website, ARM Solutions “is an award-winning, full service collection agency providing custom debt recovery solutions for companies of all sizes in various markets.” ARMS delivers “cost effective and diplomatic programs to maximize recovery rates, retain valued customers, and lower the overall cost of collecting on past due accounts.”
As a full-service collection agency, ARM Solutions offers flat fee collections; contingency collections; first party collections and outsourcing; and their proprietary ARM WebView service. ARMS’s flat fee collections division provides clients hesitant to use a third-party collection agency with the option of collection services for “a low fixed rate that averages less than $10 per account, regardless of the balance size.” ARMS’s contingency collection services take over when “flat fee debt collection attempts fall short.” Using “a more intense approach that incorporates skip tracing, asset searches and, in some cases, legal action,” ARMS’s contingency collections division employs “highly trained and experienced collectors.”
ARM Solutions first-party and outsourcing division is “designed to streamline…internal efforts…by contacting…customers as representatives of the client company, not as a third party collection agency.” Finally, ARM Webview “provides access to all…client accounts, giving… a complete snapshot of their status anytime.”
ARM Solutions accepts delinquent accounts from a variety of businesses and industries, including medical and healthcare providers; propane and fuel suppliers; pest control companies; waste management companies; media subscription service providers; bottled water providers; security and alarm service providers; and insurance companies. ARMS also accepts commercial business-to-business accounts.
ARM Solutions “is a proud member of many trade associations, including the American Collectors Association (ACA)…and the California Association of Collectors (CAC).” Their collection staff are trained to “adhere to the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and HIPAA medical privacy laws.” However, their website does not include a consumer resources page with links and references to laws and enforcement agencies.
The BBB has closed 12 complaints against ARM Solutions in the past three years, with 5 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. Since June 2017, the Consumer Financial Protection Bureau (CFPB) has closed 2 complaints against ARMS. Justia lists at least 4 cases of civil litigation involving ARM Solutions.
ARM Solutions, Inc. Contact Information
ARM Solutions, Inc.
P.O. Box 2929
Camarillo, CA 93011-2929
Telephone: (888) 772-6468
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely ARM 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 against ARM Solutions Inc
Complaints against ARM Solutions commonly cite problems resulting from inaccurate billing documentation and difficulties in communication. In August 2015, a complainant indicated he had received a collection letter from ARMS informing him that his $100 balance with a pest control company had been sent to collections. The complainant indicated he had previously sent the payment for $100 directly to the original creditor, and that his bank had indicated that the check had already been cashed. Subsequent to his bank’s notification, he received a second collection letter indicating no payment had been received. The complainant contacted the original creditor, who verified that he had paid the balance. A month later, he received a third collection letter that stated it would be the final notice before a negative report was sent to the credit reporting agencies. The complainant sent a copy of the letter and a copy of the cashed check to ARMS. He also contacted ARM Solutions and spoke with a representative who was “ridiculously rude and would interrupt…without even knowing why the complainant was calling.” When she was confronted with the evidence that the debt had been paid, she allegedly “gave… an… excuse saying the letter and…the check probably were crossed in the mail.” The complainant explained that the check had been mailed over a month prior to the collection letter, so it was not likely that they had crossed in the mail. The complainant indicated that ARMS’s “customer service…is ridiculous and condescending.”
In response, ARM Solutions indicated its investigation “substantiated… what was sent to their office from the client. In regards to the claimed payment, …it does not appear that …their client has updated…this payment…, so the account was updated as disputed while ARMS investigates further.” The complainant rejected the response, indicating that he had again contacted the original creditor and confirmed that the account had been paid. He questioned why he was able to confirm this information, whereas ARMS apparently could not. ARMS posted a rebuttal indicating “a thorough investigation into the payment… indicated the bill was paid directly to the client…ARM Solutions determined that there was a timing issue in the update from the client.”
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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“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
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