Who is Ability Recovery Services?
Ability Recovery Services, LLC (ARS) is a debt collection agency based out of Dupont, Pennsylvania, in the United States. Their primary function is to collect outstanding debts on behalf of various businesses and organizations.
If you have an unpaid debt and it was sold to ARS, you may notice them listed on your credit report as a collections account.
Who does Ability Recovery Services collect for?
Ability Recovery Services collects debts for businesses across multiple sectors in all 50 states. They collect for higher education institutions, which may involve debts such as tuition fees and student housing costs.
In the telecom sector, they handle unpaid service bills like telephone and internet. They work with health care providers to collect on unpaid medical bills. They also manage unpaid utility bills for various utility companies and handle debts related to financial services for financial institutions.
Is Ability Recovery Services legit or a scam?
Ability Recovery Services is a legitimate debt collection 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 Ability Recovery Services 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.
Ability Recovery Services (ARS) Contact Information
Address:
Ability Recovery Services, LLC
284 Main St
Dupont, PA 18641
Phone number: (570) 207-1892
Should I contact or pay Ability Recovery Services?
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 Credit reports can contain errors or list debts that are no longer valid.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 Ability Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Ability Recovery Services on behalf of their clients.
Will Ability Recovery Services sue me or garnish my wages?
Ability Recovery Services is entitled to take legal action to recover the debt you owe, which could include suing you or garnishing your wages. However, they can only do so if it’s allowed in your state and they’ve followed the correct legal procedures.
If a debt collector decides to sue you, they must first provide notice of the lawsuit, giving you an opportunity to respond. If the debt is valid and you do not respond or lose the case, the court will issue a judgment against you. This judgment may allow the collector to garnish your wages or take money directly from your bank account, depending on your state’s laws.
Ability Recovery Services Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If you find yourself facing any of these situations with Ability Recovery Services, you should also 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 Ability Recovery Services
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 Ability Recovery Services 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.
- Ability Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Ability Recovery Services 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.
- Ability Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Ability Recovery Services From Your Credit Report Today!
Credit Saint offers assistance with disputing Ability Recovery Services 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.
