Action Revenue Recovery LLC or ARR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
Action Revenue Recovery Inc or ARR is a third-party collection agency based in Louisiana. ARR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and failing to verify debts. If you have been contacted by Action Revenue Recovery, make sure you understand your rights before responding.
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Is Action Revenue Recovery a scam?
They’re legit. According to the Better Business Bureau (BBB), Action Revenue Recovery, LLC was founded in 1999. The BBB established a profile page for ARR in 2008. ARR is listed as a collection agency. Buzzfile estimates Action Revenue Recovery’s annual revenue at $444,531 and the size of its headquarters staff at 5 employees.
According to its website, Action Revenue Recovery “is a fast-growing, national collection agency…and has clients across the United States.” ARR has “over 100 years of healthcare management experience…and offers competitive fees contingent on collection.” ARR combines “the highest level of integrity and professionalism with… the most assertive collection methods available.”
Who does Action Revenue Recovery collect for?
Action Revenue Recovery offers a range of collection-oriented business services. ARR’s collection service “employs computer-generated notices administered by collection account specialists to produce record-breaking results.” Their pre-collection service “is an effective, inexpensive way to initially stimulate payments” for accounts that are“60 to 90 days post delinquency.” Second placement service “focuses on accounts that remain unpaid after having been placed with other collection agencies.” Early-out services include “complete processing and payment management of monthly statements after third-party payment for hospitals and large clinics.” Finally, ARR’s insurance specialist division “facilitates resolution of unresolved insurance claims.”
Action Revenue Recovery “collectors are FDCPA-certified and maintain a positive public image for ARR’s…clients.” ARE cities affiliations with several professional associations, including the Association of Credit and Collection Professionals (ACA International) and the Healthcare Financial Management Association (HFMA). However, their website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Action Revenue Recovery?
The BBB has closed 9 complaints against Action Revenue Recovery in the preceding 3 years, with 7 complaints closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since August 2017, the Consumer Financial Protection Bureau (CFPB) has closed 6 complaints against ARR. Justia lists at least 2 causes of civil litigation involving Action Revenue Recovery.
Can Action Revenue Recovery Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ARR would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2018, an Arkansas consumer filed a proposed class action against Action Revenue Recovery, LLC that accused the debt collector of Fair Debt Collection Practices Act (FDCPA) violations. The plaintiff alleges that she received an e-mail from the defendant in June 2018 with an attached letter attempting to collect a debt for medical services received in 2010, 2011, and 2012. The lawsuit claims that the letter did not meaningfully state the current creditor and failed to inform the plaintiff that the debt was beyond the statute of limitations.
Complaints against Action Revenue Recovery cite problems resulting from failure to verify debts and disputes about the accuracy of information reported to the credit reporting agencies. In March 2018, a complainant alleged that ARR had violated provisions of the FDCPA and the Fair Credit Reporting Act (FCRA). According to the complainant, ARR “failed to notify…him about reporting derogatory” information to the credit reporting agencies. The complainant cited a provision of the FCRA that states, “notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after…furnishing the negative derogatory information to a consumer reporting agency.” The complainant also stated that “all notices must be timely and properly given by dated certified mail receipt”; however, the complainant stated that he had “asked for documentation and received no response.” In addition, the complainant alleged that Action Revenue Recovery “failed to give… him his ‘Mini-Miranda’ five days prior to placing this derogatory item on all of his credit reports,” which the complainant claimed was a violation of the FDCPA that entitled him to statutory damages of $1,000. The complainant also alleged that ARR’s failure to notify the complainant also makes them liable for defamation according to Louisiana state law. In its response, Action Revenue Recovery acknowledged the complainant’s allegations of FDCPA and FCRA violations. However, they stated that “after reviewing their records, they do not agree with the consumer’s opinion concerning their conduct.” ARR stated that they would have “appreciated direct contact from the consumer in an attempt to work through these concerns, preventing the need for a” formal complaint. Regardless, ARR indicated that they had “discussed this complaint with their client and chose to close the account and remove the credit bureau listing.”
In January 2018, a complainant submitted a similarly-worded complaint, citing the same violations and using an identically formatted complaint template. In response, Action Revenue Recovery again disagreed with the complainant’s allegations. However, as in the previous complaint, they also agreed to request that credit reporting agencies remove the item from the complainant’s credit reports.
Action Revenue Recovery AAR Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue ARR for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“I can not praise your service enough. I was lost and only really wanted my credit report cleaned up. You’ve gone beyond my expectations. Thanks again!”
“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”
“Thank you so much! With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
Can You Help Me Delete Action Revenue Recovery from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.
I received a random notice from Action Revenue Recovery that I needed to pay in full before it went to collections. I never saw that amount or notice until then. I got a notification from CreditKarma the other day that my score went down and it was because of the ARR account went into collections. I will pay but I am not sure why they never gave me any insight but just told me I had to pay right away or it was going into collections. I would really like this off my credit score as I have been working very hard to get my score up.