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?
Ability Recovery Services collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
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In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
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Ability Recovery Services (ARS) Contact Information
Ability Recovery Services, LLC
284 Main St
Dupont, PA 18641
Phone number: (570) 207-1892
Should I contact or pay Ability Recovery Services?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
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
Most collection agencies have numerous complaints filed against them 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Ability Recovery Services
Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Ability Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Ability Recovery Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Ability Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Ability Recovery Services From Your Credit Report Today!
Credit Saint can assist you in disputing Ability Recovery Services accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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