Who is Atlantic Recovery Solutions?
Atlantic Recovery Solutions, LLC (ARS) is a nationally licensed debt collection agency based in Getzville, New York. They provide debt recovery services to their clients.
If you see ARS listed on your credit report as a collection account, this could be due to an unpaid bill or loan that has been transferred to them for recovery.
Who does Atlantic Recovery Solutions collect for?
Atlantic Recovery Solutions collects debts for a wide range of clients, predominantly within the financial sector, local retail and consumer merchants, and housing facilities.
Is Atlantic Recovery Solutions legit or a scam?
Atlantic Recovery Solutions is a legitimate debt collection company, authorized to collect debts on behalf of their clients. They operate within the legal parameters set by federal and state regulations. However, as a consumer, it’s crucial to verify any debts that ARS claims you owe before making any payments.
How can I remove Atlantic 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.
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Atlantic Recovery Solutions Contact Information
Address:
Atlantic Recovery Solutions
33 Dodge Rd Ste 108
Getzville, NY 14068
Mailing address:
Atlantic Recovery Solutions
PO Box 156 E
Amherst, NY 14051
Phone number: (866) 328-1359 or (866) 328-1221
Should I contact or pay Atlantic Recovery Solutions?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 Atlantic Recovery Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Atlantic Recovery Solutions on behalf of their clients.
Will Atlantic Recovery Solutions sue me or garnish my wages?
Atlantic Recovery Solutions has the legal right to sue you for an unpaid debt. If they choose to take this route and the court rules in their favor, they may be granted a judgment. This judgment can potentially lead to wage garnishment, a lien on your property, or even a levy on your bank account, subject to the laws of your state.
However, it’s important to remember that taking legal action is often a last resort for debt collection agencies. Such a process can be costly and time-consuming, and agencies would typically prefer to resolve the debt through direct negotiation with you.
Atlantic 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 Atlantic Recovery Solutions
Debt collectors must follow state and federal laws. The FDCPA prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Atlantic 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.
- Atlantic Recovery Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Atlantic Recovery Solutions must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a collection agency.
- Atlantic Recovery Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Atlantic Recovery Solutions From Your Credit Report Today!
Credit Saint offers assistance with disputing Atlantic Recovery 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.
