Who is Account Recovery Solutions?
Account Recovery Solutions, Inc., based in Amherst, New York, is a debt collection agency. You may recognize their name on your credit report if a collection account has been opened under your name. This typically occurs when a bill remains unpaid and is subsequently handed over to a collection agency.
Who does Account Recovery Solutions collect for?
Account Recovery Solutions provides collection services to a diverse range of industries. These industries include, but are not limited to, credit card companies, student loan providers, and utility companies. Their role is to recover the unpaid debts that these companies have been unable to collect.
Is Account Recovery Solutions legit or a scam?
Account Recovery Solutions is a legitimate company. That said, their contact methods may feel intrusive or relentless, as they may frequently call, text, or email in an attempt to recover the debt.
How can I remove Account Recovery Solutions from my credit report?
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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Account Recovery Solutions Contact Information
Account Recovery Solutions
100 Corporate Pkwy
Amherst, NY 14226-1200
Phone number: (855) 797-5895
Should I contact or pay Account Recovery Solutions?
It’s best to avoid speaking to a debt collector 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 debt, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Account Recovery Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Account Recovery Solutions on behalf of their clients.
Will Account Recovery Solutions sue me or garnish my wages?
As a debt collection agency, Account Recovery Solutions has the legal right to take certain actions to collect the debt you owe. One of these actions may include suing you for the unpaid debt.
If they win the lawsuit, they may obtain a judgment against you which could potentially lead to wage garnishment, bank levy, or even a lien on your property depending on your state laws. However, not every collection agency will choose to go this route, as legal proceedings can be costly and time-consuming.
Account Recovery Solutions 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, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 Account Recovery Solutions
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 Account 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- Account Recovery Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Account Recovery Solutions 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.
- Account Recovery Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Account Recovery Solutions From Your Credit Report Today!
Credit Saint can assist you in disputing Account Recovery Solutions 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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