Is Atlantic Recovery Solutions Hurting Your Credit?

If you’ve spotted Atlantic Recovery Solutions on your credit report, you’re probably wondering what it means—and how to get it removed. Here’s what you need to know.

What Is Atlantic Recovery Solutions?

Atlantic Recovery Solutions, LLC (often abbreviated as ARS) is a debt collection agency based in Getzville, New York. They collect past-due debts on behalf of other companies, including lenders, retailers, housing providers, and service businesses.

If ARS shows up on your credit report, it likely means a creditor sent your unpaid debt to them for collection.

Who Does Atlantic Recovery Solutions Collect For?

ARS works with a wide mix of clients but mostly handles accounts in these areas:

• Banks and lenders – unpaid personal loans, credit cards, etc.
• Retailers and service providers – past-due store balances, subscription bills, and more.
• Property managers or housing facilities – missed rent payments or lease fees.

Is Atlantic Recovery Solutions Legit?

Yes, Atlantic Recovery Solutions is a legitimate, licensed debt collector. They’re legally allowed to collect debts and report accounts to the credit bureaus. That said, it’s still smart to double-check any collection account before you pay.

Here’s why: collection agencies sometimes pursue the wrong person, list incorrect amounts, or report debts that are past the statute of limitations. Don’t assume every account is accurate—verify it first.

How to Remove Atlantic Recovery Solutions From Your Credit Report

Collections can stay on your credit report for up to seven years and significantly hurt your score. If you’re trying to clean up your report, here are your options:

• Dispute errors – If you think the account is inaccurate or not yours, file a dispute with the credit bureaus.
• Request debt validation – Send ARS a debt validation letter asking them to prove the debt is legitimate. If they can’t, they must remove it.
• Negotiate a pay-for-delete – In some cases, you can offer to settle the debt in exchange for ARS removing the account from your credit report.
• Get help from a credit repair company – Professionals can assist with challenging inaccurate or outdated collection entries.

Should You Contact or Pay Atlantic Recovery Solutions?

Not right away.

Before calling or sending a payment, take these steps:

1. Verify the debt – Ask for written validation. Make sure it’s accurate and still legally enforceable.
2. Check the age – Making a payment can reset the clock on how long the debt affects your credit.
3. Know your rights – Debt collectors are legally required to follow fair practices, and you have protections under federal law.

If the debt is valid, and you’re ready to resolve it, consider negotiating a reduced payment or consulting a credit expert.

Can Atlantic Recovery Solutions Sue You or Garnish Wages?

They can—but it’s rare.

If you ignore collection attempts, ARS could file a lawsuit to collect the debt. If they win, they might get a judgment that allows wage garnishment or a bank levy, depending on your state’s laws.

But lawsuits are usually a last resort. It’s often cheaper and faster for agencies to work out a settlement directly with you.

Complaints About Atlantic Recovery Solutions

Like many debt collectors, ARS has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:

• Incorrect debt reporting
• Aggressive or repeated calls
• Refusing to verify a debt when asked

If you’re dealing with any of the above, file a complaint and keep records of all communication.

Your Rights Under the FDCPA and FCRA

When dealing with Atlantic Recovery Solutions—or any collection agency—you’re protected by two federal laws:

• Fair Credit Reporting Act (FCRA) – You have the right to dispute inaccurate items on your credit report.
• Fair Debt Collection Practices Act (FDCPA) – Debt collectors can’t threaten, harass, or lie to you.

Here’s what ARS legally cannot do:

• Call repeatedly or outside allowed hours
• Threaten to have you arrested
• Lie about who they are or what you owe
• Refuse to provide proof of the debt when requested
• Report false or incomplete information

If they break the rules, you can file a complaint with the CFPB, your state attorney general, or even sue for damages.

Atlantic Recovery Solutions Contact Information

• Office Address:
  33 Dodge Rd, Suite 108
  Getzville, NY 14068
• Mailing Address:
  PO Box 156 E
  Amherst, NY 14051
• Phone Numbers:
  (866) 328-1359 or (866) 328-1221

Want Help Getting ARS Off Your Credit Report?

You don’t have to deal with collections on your own. Credit repair companies can help challenge negative items, dispute inaccuracies, and take the stress out of the process.

Credit Saint has helped thousands of people remove collections, charge-offs, and other damaging entries—and they back their service with a 90-day money-back guarantee if you’re not satisfied.

Call (855) 281-1510 or visit their website to learn more.