Ability Recovery Services


Is Ability Recovery Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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?

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 can help you dispute Ability Recovery Services accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.