Who is Atlantic Recovery Solutions?
Atlantic Recovery Solutions, LLC (ARS) is a nationally licensed debt collection agency based in Getzville, New York. They provide debt recovery services to their clients.
If you see ARS listed on your credit report as a collection account, this could be due to an unpaid bill or loan that has been transferred to them for recovery.
Who does Atlantic Recovery Solutions collect for?
Atlantic Recovery Solutions collects debts for a wide range of clients, predominantly within the financial sector, local retail and consumer merchants, and housing facilities.
Is Atlantic Recovery Solutions legit or a scam?
Atlantic Recovery Solutions is a legitimate debt collection agency, authorized to collect debts on behalf of their clients. They operate within the legal parameters set by federal and state regulations. However, as a consumer, it’s crucial to verify any debts that ARS claims you owe before making any payments.
How can I remove Atlantic 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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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.
Atlantic Recovery Solutions, LLC Contact Information
Atlantic Recovery Solutions, LLC
33 Dodge Rd Ste 108
Getzville, NY 14068
Atlantic Recovery Solutions, LLC
PO Box 156 E
Amherst, NY 14051
Phone number: (866) 328-1359 or (866) 328-1221
Should I contact or pay Atlantic 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 collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with Atlantic Recovery Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like Atlantic Recovery Solutions on behalf of their clients.
Will Atlantic Recovery Solutions sue me or garnish my wages?
Atlantic Recovery Solutions has the legal right to sue you for an unpaid debt. If they choose to take this route and the court rules in their favor, they may be granted a judgment. This judgment can potentially lead to wage garnishment, a lien on your property, or even a levy on your bank account, subject to the laws of your state.
However, it’s important to remember that taking legal action is often a last resort for debt collection agencies. Such a process can be costly and time-consuming, and agencies would typically prefer to resolve the debt through direct negotiation with you.
Atlantic Recovery Solutions, LLC 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 Atlantic Recovery Solutions
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 Atlantic 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.
- Atlantic Recovery Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Atlantic 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.
- Atlantic Recovery Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Atlantic Recovery Solutions From Your Credit Report Today!
Credit Saint can assist you in disputing Atlantic Recovery Solutions 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.
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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