Who is Arcadia Recovery Bureau?
Arcadia Recovery Bureau, LLC (ARB) is a debt collection agency based in Reading, Pennsylvania, with additional offices in Columbus, Ohio, and Rocky Hill, Connecticut.
If you see Arcadia Recovery Bureau on your credit report, it indicates that they are trying to collect a debt on a bill you haven’t paid.
Who does Arcadia Recovery Bureau collect for?
Arcadia Recovery Bureau provides debt collection services across a variety of sectors, primarily focusing on healthcare, utilities, and government-related debts. They work with hospitals, clinics, utility companies, and various government entities to collect outstanding debts.
Is Arcadia Recovery Bureau legit or a scam?
Arcadia Recovery Bureau is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if they contact you regarding a debt, it is essential that you confirm the validity of the debt before agreeing to any payments.
How can I remove Arcadia Recovery Bureau from my credit report?
Arcadia Recovery Bureau 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?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
Arcadia Recovery Bureau, LLC Contact Information
Arcadia Recovery Bureau, LLC
645 Penn Street 4th Floor
Reading, PA 19601
Phone number: (610) 378-5000
Should I contact or pay Arcadia Recovery Bureau?
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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Arcadia Recovery Bureau is to work with a credit repair professional. They help remove millions of negative items every year from companies like Arcadia Recovery Bureau on behalf of their clients.
Will Arcadia Recovery Bureau sue me or garnish my wages?
Arcadia Recovery Bureau, like other debt collection agencies, has the legal right to file a lawsuit against you for an unpaid debt. If a lawsuit is filed and the court rules in favor of the agency, they could potentially garnish your wages, levy your bank account, or take other legal action to collect the debt depending on the laws of your state.
However, taking a debtor to court is often the last resort for most collection agencies. The process is costly and time-consuming, so typically these agencies prefer to work out a payment plan with the debtor first.
Arcadia Recovery Bureau, LLC Complaints
Most third-party 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 Arcadia Recovery Bureau, LLC
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency 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 Arcadia Recovery Bureau 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.
- Arcadia Recovery Bureau may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Arcadia Recovery Bureau must be honest about who they are and what they are attempting to do. They must notify you that they are a third-party collection agency both orally and in writing.
- Arcadia Recovery Bureau cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Arcadia Recovery Bureau From Your Credit Report Today!
Lexington Law can assist you in disputing Arcadia Recovery Bureau accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
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