Who is A.R.M. Solutions, Inc.?
ARM Solutions, Inc. (ARMS) is a debt collection agency located in Camarillo, California. They work with businesses and individuals to recover unpaid debts.
Their presence on your credit report as a collections account indicates a past-due payment, which could be the result of a bill that was overlooked or not settled.
Who does ARM Solutions collect for?
ARM Solutions has a diverse portfolio of clients spanning multiple industries. They work in commercial or B2B contexts, helping businesses recover debts from other businesses. They serve the healthcare sector, aiding hospitals, clinics, and other healthcare providers in collecting unpaid medical bills.
Additionally, they work with insurance companies to recover unpaid premiums and claims. ARM Solutions also caters to unique subscriber-based markets, including bottled water services, media subscriptions, propane or fuel services, pest control, security or alarm companies, and waste management services.
Is ARM Solutions legit or a scam?
ARM Solutions is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove ARM 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.
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A.R.M. Solutions, Inc. Contact Information
Address:
A.R.M. Solutions, Inc.
3760 Calle Tecate Ste E
Camarillo, CA 93012-5059
Mailing address:
A.R.M. Solutions, Inc.
PO Box 2929
Camarillo, CA 93011-2929
Phone number: (888) 772-6468
Should I contact or pay ARM Solutions?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid.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 ARM Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like ARM Solutions on behalf of their clients.
Will ARM Solutions, Inc. sue me or garnish my wages?
While it’s within a debt collector’s rights to sue for unpaid debts, it’s not a guarantee that ARM Solutions, Inc. will take this action. If they choose to sue and the court rules in their favor, the judgment may result in wage garnishment. However, many debt collectors prefer to avoid litigation due to the time and cost involved. Instead, they often seek to work out payment plans or settlements with the debtor.
ARM Solutions, Inc. 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 ARM 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 ARM 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.
- ARM Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- ARM 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.
- ARM Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove ARM Solutions From Your Credit Report Today!
Credit Saint offers assistance with disputing ARM Solutions collection 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.
