Noticed ARstrat on your credit report? If so, there’s likely an unpaid medical bill that’s been sent to collections. While collection accounts can damage your credit, you may be able to get them removed with the right strategy. Here’s how to deal with ARstrat and protect your credit score.
Who Is ARstrat?
ARstrat, LLC is a debt collection agency based in Sugar Land, Texas. They operate as a subsidiary of GetixHealth, a healthcare revenue management company. ARstrat’s main role is to collect overdue medical debts on behalf of hospitals, clinics, and other healthcare providers.
If they appear on your credit report, it means a medical provider hired them to recover a debt you allegedly owe.
Who Does ARstrat Collect For?
ARstrat focuses on medical collections and works with:
- Hospitals and health systems
- Clinics and private practices
- Specialty care providers
- Medical billing services
Their job is to recover unpaid balances from patients who have missed payments or defaulted on their bills.
Is ARstrat Legitimate?
Yes, ARstrat is a real and legally authorized debt collection agency. They are not a scam. However, that doesn’t mean you should blindly pay them—errors in medical billing and reporting are common. Always validate the debt before making a move.
How to Remove ARstrat From Your Credit Report
Medical collections can damage your score and stay on your credit report for up to seven years—even if paid. Here are your best options for getting ARstrat removed:
1. Dispute the Account With the Credit Bureaus
If the balance is wrong, the debt doesn’t belong to you, or there’s any other reporting error, file a dispute with all three credit bureaus. If the agency or creditor can’t verify the details, the account must be removed.
2. Send a Debt Validation Letter
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request debt validation. ARstrat must provide proof that the debt is yours and that the amount is accurate. If they can’t, they’re legally required to stop collection efforts and delete the entry.
3. Negotiate a Pay-for-Delete Agreement
If the debt is legitimate, consider offering a pay-for-delete deal. This means you agree to pay (sometimes less than the full amount) in exchange for ARstrat removing the account from your credit report. Get everything in writing before sending any money.
4. Hire a Credit Repair Professional
A credit repair company can handle everything from disputes to negotiation. They know how to deal with collection agencies like ARstrat and can often get negative items removed more efficiently.
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 ARstrat?
Not necessarily. First, confirm that:
- The debt is accurate and belongs to you
- It’s still within your state’s statute of limitations
- You’re not restarting the reporting timeline unnecessarily
Paying a collection account doesn’t automatically help your credit unless you have a written agreement for removal.
Can ARstrat Sue or Garnish Wages?
Yes, ARstrat has the legal right to sue you over unpaid debts. If they win a judgment in court, they could garnish your wages or levy your bank account, depending on your state’s laws.
That said, most agencies prefer to settle or arrange payment plans rather than go through the legal process—especially for smaller debts.
ARstrat Contact Information
- Business Address:
ARstrat, LLC
14141 Southwest Freeway, Ste 300
Sugar Land, TX 77478 - Phone Number:
(888) 250-6379
Complaints About ARstrat
Like many collection agencies, ARstrat has complaints filed with the CFPB and BBB. Common issues include:
- Reporting errors
- Failure to validate debts
- Harassment or repeated calls
If you experience any of these, you have the right to file a complaint and dispute the entry.
Your Legal Rights When Dealing With ARstrat
You’re protected by federal laws, including the FDCPA and FCRA. ARstrat must:
- Accurately report information
- Validate debts upon written request
- Avoid abusive or deceptive practices
- Clearly identify themselves as a debt collector
- Refrain from threats, harassment, or public shaming
If they violate these rules, you may be entitled to damages.
Want ARstrat Off Your Credit Report?
You don’t have to deal with this alone. Credit Saint has helped thousands of people challenge and remove negative items—including accounts from ARstrat.
Their services are backed by a 90-day money-back guarantee, so you have nothing to lose.
Ready to clean up your 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.
