Advanced Recovery Services

Is Advanced Recovery Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is Advanced Recovery Services?

Advanced Recovery Services, Inc. (ARS) is a debt collection agency based in Terre Haute, Indiana. As a third-party debt collector, they are involved in the recovery of unpaid debts on behalf of original creditors.

If you see ARS listed on your credit report, it typically means that you have an unpaid debt that has been transferred or sold to them for collection.

Who does Advanced Recovery Services collect for?

ARS primarily specializes in collecting past-due medical bills. They work with various healthcare providers and hospitals to recover debts incurred from medical services. If you’ve had medical services and failed to pay the associated bills, your debt may have been handed over or sold to ARS for collection.

Is Advanced Recovery Services legit or a scam?

Advanced Recovery Services is a legitimate company. However, as with all debt collection agencies, they are known to make persistent attempts to collect the debt, which can include frequent calls, texts, or emails.

How can I remove Advanced Recovery Services 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.)

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 work with people who want to get their credit back on track.

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.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Advanced Recovery Services Contact Information


Advanced Recovery Services
1711 North 6 1/2 St.
Terre Haute, IN 47804

Phone number: (812) 478-2784

Should I contact or pay Advanced 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 Advanced Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Advanced Recovery Services on behalf of their clients.

Will Advanced Recovery Services sue me or garnish my wages?

Advanced Recovery Services does have the ability to sue for unpaid debts. If they choose to take this path and they win the case, they could potentially obtain a court order to garnish your wages. However, this is often a last resort due to the time, cost, and resources involved in legal proceedings.

The possibility of a lawsuit depends on a variety of factors, including the size of the debt, the age of the debt, and your state’s laws regarding debt collection.

Advanced 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, 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 Advanced Recovery Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 Advanced 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.
  • Advanced Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Advanced 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.
  • Advanced Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Advanced Recovery Services From Your Credit Report Today!

Credit Saint can assist you in disputing Advanced Recovery Services collection 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.

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

Ready to Repair Your Credit?

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