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How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

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Advanced Recovery Services
Advanced Recovery Services Inc or ARS 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.
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What is Advanced Recovery Services?

Advanced Recovery Services Inc or ARS is a third-party collection agency based in Indiana. ARS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including harassment and failure to verify debts. If you have been contacted by ARS, make sure you understand your rights before responding.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Advanced Recovery Services a scam?

They’re legit. According to the BBB, Advanced Recovery Services, Inc. is a legitimate collection agency incorporated in 1992. The BBB established a profile page for ARS in 2008. ARS is listed as a health corporation. Buzzfile estimates Advanced Recovery Services’ annual revenue at $500,000 and the size of its headquarters staff at 8 employees.

Who does Advanced Recovery Services collect for?

According to its website, Advanced Recovery Services “is a collection agency that collects outstanding past due medical bills.” ARS employs “professional account representatives, whose job is to work with the patients and/or person who is financially responsible for the cost of the medical service, to appropriately resolve any outstanding balance.”

ARS’s information page cites several strengths. Their “experienced staff of collectors and support personnel…are certified with the American Collectors Association… in collection techniques; are … familiar with federal collection laws; …and know and understand the importance of putting forth the best effort in collecting third party accounts.” ARS employs “the latest technology in software and hardware …to manage… accounts receivable in an effective manner…and return the most money back to” clients.

As a full-service collection agency, Advanced Recovery Services offers a variety of accounts receivable management services, including reporting debt to the credit reporting agencies; customized client reports; electronic file transfers; first-party business services, including legal services; access to large local databases; and a subsidiary relationship with a regional hospital.

The Advanced Recovery Services website includes information about medical insurance billing and what to look for in billing statements. However, they do not provide a consumer resources page.

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 Advanced Recovery Services – ARS?

Neither the BBB nor the CFPB have posted any closed complaints against Advanced Recovery Services Justia does not list any cases of civil litigation involving ARS. However, there are indications on many private-sector third-party consumer protection websites that ARS collectors have engaged in illegal collection practices.

Contact Information

Advanced Recovery Services, Inc.
1711 North 6 ½ Street
Terre Haute, IN 47804-2700
Telephone: (812) 478-2784
Website: https://www.advancedrecoveryservices.net/

Can Advanced Recovery Services 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 ARS 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!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against Advanced Recovery Services?

Absolutely.  You can sue a debt collector. Here is a Sample Case Complaint:

In January 2016, a complainant indicated that he had discovered several delinquent items on his credit report that had all been reported by Advanced Recovery Services. He indicated he had been attempting to have all the items removed by utilizing the credit reporting agencies’ (CRA) dispute process. He indicated that the CRAs generally claim the debts result from medical treatment “that can never be verified.” He insisted that the Fair Credit Reporting Act (FCRA) requires that all CRAs “verify the debt on a first-person account with proper documentation,” including information about the original creditor and whether the debt has been sold or transferred by the original creditor. In May 2017, a complainant indicated that ARE representatives had called both of her children, “telling them that she had … missed a process server…and could be arrested.” The complainant indicated that ARE told her that her children were “listed as an emergency contact,” but she claimed this was untrue because she knew she had “only listed her … husband and sister for emergencies.” She also indicated that the Advanced Recovery Services representative she spoke with was “rude, uncooperative, and tried to tell her that she was … raising her children wrong.” The complainant also indicated she had contacted an attorney, and that contacting a consumer about a delinquent debt after they have notified a collection agency that they have hired an attorney is an FDCPA violation. In July 2017, a complainant indicated that “a man with this company, who was both threatening and spoke…in an aggressive tone, contacted…him about a debt that didn’t belong to” him. Another complainant in March 2017 indicated that when he requested verification of a debt, an Advanced Recovery Services representative told him that “they can’t mail him anything, and that he has 24 hours to pay a debt that” the complainant claimed was not his.

Advanced Recovery Services ARS 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 ARS 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.

Want to Stop Advanced Recovery Services ARS Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”

“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”

“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete Advanced Recovery Services ARS 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.

See more posts from Sergei Lemberg
1 COMMENT
  • Eric D

    I have called and talked to them about my accounts. Informing them that Medicaid sent me a letter confirming that they would pay any bill covered by my eligibility dates. I also have them the name of my Medicaid provider Care Source. And offered their number as well. They declined saying to send them the letter instead. Shouldn’t they just be able to call Ohio Medicaid and get the bill paid? It seems to be the rationale of other medical bill collectors as well.

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