Is Account Resolution Services showing up on your credit report? You’re not alone—and it can hurt your score if left unchecked. Medical debt collections like this one can stay on your report for years, but with the right strategy, you may be able to get it removed.
Here’s everything you need to know about ARS and how to take control of the situation.
Who Is Account Resolution Services, LLC?
Account Resolution Services, LLC (also known as ARS Account Resolution) is a debt collection agency based in Sunrise, Florida. They operate as a division of Healthcare Revenue Recovery Group (HRRG) and specialize in recovering unpaid medical bills from patients on behalf of healthcare providers.
If ARS appears on your credit report, it likely means a hospital, clinic, or doctor’s office turned over an unpaid bill to collections.
Who Does ARS Collect For?
ARS focuses almost exclusively on healthcare collections. Their clients include:
- Hospitals
- Physician networks
- Medical clinics
- Dental offices
- Urgent care providers
If you’ve missed a payment for any kind of medical service, it may have been handed off to ARS for recovery.
Is ARS a Legitimate Company?
Yes, Account Resolution Services is a legitimate and active debt collector. But like many collection agencies, they’re often the subject of complaints about aggressive tactics or inaccurate reporting. That’s why it’s so important to verify any debt before paying.
How to Remove ARS From Your Credit Report
A collections account—even if paid—can lower your credit score and stay on your report for up to seven years. Here are four ways to try getting it removed:
1. Dispute the Account With the Credit Bureaus
If the debt is incorrect, already paid, or not yours, file a dispute with Experian, Equifax, and TransUnion. They must investigate and remove any inaccurate or unverifiable information.
2. Request a Debt Validation Letter
You have the right to ask ARS to prove the debt is valid. Send a debt validation letter within 30 days of first contact. If they can’t provide proper documentation, they must stop collection efforts and delete the account from your report.
3. Negotiate a Pay-for-Delete Agreement
If the debt is valid and within the statute of limitations, you can try negotiating a pay-for-delete. That means you offer to settle the debt (often for less than the full amount), and in return, they agree to remove the account from your credit report. Get this agreement in writing.
4. Work With a Credit Repair Company
Don’t want to handle all this yourself? A credit repair company can take over the process—sending disputes, requesting validation, and negotiating with agencies like ARS to clean up your report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay ARS Directly?
Not always. First, make sure the debt:
- Is truly yours
- Hasn’t already been paid or resolved
- Is still within your state’s statute of limitations
Also, be aware that making a payment can restart the reporting clock on older debts. If you do decide to pay, try to get a deletion agreement in writing.
Can ARS Sue You or Garnish Your Wages?
Yes, ARS has the legal right to sue you for unpaid debt. If they win in court, they may be able to garnish your wages or freeze funds in your bank account—depending on your state laws.
That said, lawsuits are costly and time-consuming, so they’re typically used only after other collection attempts have failed.
ARS Account Resolution Contact Information
- Business Address:
1643 NW 136th Ave
Sunrise, FL 33323 - Mailing Address:
PO Box 630806
Cincinnati, OH 45263-0806 - Phone Number:
(844) 729-2772
Complaints About ARS
ARS has received consumer complaints filed with the CFPB and BBB. Common complaints include:
- Inaccurate debt reporting
- Harassment or excessive phone calls
- Failure to provide debt verification
If you’ve experienced similar issues, file a complaint and dispute the account with the credit bureaus.
Know Your Rights When Dealing With Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) give you legal protections. Debt collectors cannot:
- Report false or incomplete information
- Call excessively, threaten, or use abusive language
- Misrepresent themselves or their purpose
- Refuse to identify themselves as debt collectors
- Ignore written requests for debt validation
If ARS violates these laws, you may be able to take legal action.
Want ARS Off Your Credit Report for Good?
You deserve a clean slate—and expert help can make all the difference. Credit Saint has helped thousands of people challenge and remove negative items from their credit reports, including accounts from ARS.
Their service comes with a 90-day money-back guarantee, so there’s no risk in getting started.
Take the first step toward better credit. Call (855) 281-1510 or visit their website to schedule your free consultation today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
