If you’ve spotted Ability Recovery Services on your credit report, you might be dealing with a collection account tied to an old or unpaid bill. Here’s what it means, who they collect for, and how to get it removed.
What Is Ability Recovery Services?
Ability Recovery Services, LLC (often abbreviated as ARS) is a legitimate third-party debt collection agency based in Dupont, Pennsylvania. They work on behalf of businesses and organizations to recover unpaid debts.
If a debt you owe was sold or assigned to them, it can appear on your credit report as a collection account—and that can lower your credit score.
Who Does Ability Recovery Services Collect For?
ARS collects debts for companies across several industries, including:
- Education – Unpaid tuition, housing, or other college-related fees
- Telecom – Overdue bills for phone or internet service
- Healthcare – Unpaid medical expenses from doctors or hospitals
- Utilities – Missed payments for gas, water, or electricity
- Financial services – Credit cards, loans, or other financial accounts
They operate in all 50 states and may contact you by mail or phone if you owe one of their clients.
Is Ability Recovery Services a Scam?
No—Ability Recovery Services is a real and licensed debt collector. However, just because they’re legitimate doesn’t mean every debt they report is accurate. Mistakes happen. Always verify the debt before paying.
How to Remove Ability Recovery Services From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but you may be able to get them removed sooner. Here’s how:
- Dispute errors – If the account contains incorrect information, file a dispute with the credit bureaus. Provide any documents that support your claim.
- Ask for pay-for-delete – Offer to pay the debt if they agree to remove the entry from your credit report. Not all agencies accept this, but some do.
- Work with a credit repair service – A professional team can challenge the account on your behalf, identify reporting issues, and push for removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Ability Recovery Services?
Before contacting ARS or sending any payments, request a debt validation letter. This letter confirms the amount, the original creditor, and whether the debt is actually yours.
If the debt is valid and within the statute of limitations, you can choose to settle it, negotiate removal, or work with a credit repair company to handle the process.
Be cautious—making a payment on an old debt can reset the collection clock, making it legally collectible again in some states.
Can Ability Recovery Services Sue or Garnish Wages?
It’s possible, but it depends on the size of the debt and the laws in your state. If ARS decides to take legal action and wins a judgment against you, they may be allowed to:
- Garnish your wages
- Freeze your bank account
- Put a lien on your property
Before any of that can happen, they must notify you of the lawsuit and give you a chance to respond. Ignoring a court summons can result in a default judgment.
Ability Recovery Services Contact Information
Ability Recovery Services, LLC
284 Main St
Dupont, PA 18641
Phone: (570) 207-1892
Complaints About Ability Recovery Services
ARS has had complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Incorrect account reporting
- Harassing phone calls
- Refusing to verify debt
If you’re dealing with any of these problems, you have the right to file a complaint and demand fair treatment.
Know Your Rights Under the FDCPA and FCRA
You are protected by federal law when dealing with debt collectors. Here’s what Ability Recovery Services cannot legally do:
- Report inaccurate or incomplete debt information
- Refuse to verify the debt when asked
- Use threats, harassment, or abusive language
- Misrepresent who they are or what they can do
- Threaten jail time or criminal charges over unpaid debt
You can request debt validation, dispute credit report errors, and report any violations to the appropriate authorities.
Get Ability Recovery Services Removed From Your Credit Report
Dealing with a collections account is stressful—but you don’t have to handle it alone. Credit Saint helps people remove negative marks like Ability Recovery Services from their credit reports. With over 15 years of experience, they’ve helped thousands of clients—and They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website or call (855) 281-1510 to see if they can help with your situation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
