Who is Account Recovery Solutions?
Account Recovery Solutions, Inc., based in Amherst, New York, is a debt collection agency. You may recognize their name on your credit report if a collection account has been opened under your name. This typically occurs when a bill remains unpaid and is subsequently handed over to a collection agency.
Who does Account Recovery Solutions collect for?
Account Recovery Solutions provides collection services to a diverse range of industries. These industries include, but are not limited to, credit card companies, student loan providers, and utility companies. Their role is to recover the unpaid debts that these companies have been unable to collect.
Is Account Recovery Solutions legit or a scam?
Account Recovery Solutions is a legitimate company. That said, their contact methods may feel intrusive or relentless, as they may frequently call, text, or email in an attempt to recover the debt.
How can I remove Account Recovery Solutions from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Account Recovery Solutions Contact Information
Address:
Account Recovery Solutions
100 Corporate Pkwy
Amherst, NY 14226-1200
Phone number: (855) 797-5895
Should I contact or pay Account Recovery Solutions?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported to the three major credit bureaus. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Account Recovery Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Account Recovery Solutions on behalf of their clients.
Will Account Recovery Solutions sue me or garnish my wages?
As a debt collection company, Account Recovery Solutions has the legal right to take certain actions to collect the debt you owe. One of these actions may include suing you for the unpaid debt.
If they win the lawsuit, they may obtain a judgment against you which could potentially lead to wage garnishment, bank levy, or even a lien on your property depending on your state laws. However, not every collection agency will choose to go this route, as legal proceedings can be costly and time-consuming.
Account Recovery Solutions Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Account Recovery Solutions
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Account Recovery Solutions to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Account Recovery Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Account Recovery Solutions must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Account Recovery Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Account Recovery Solutions From Your Credit Report Today!
Credit Saint offers assistance with disputing Account Recovery Solutions accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
