AR Resources 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.
What is AR Resources?
AR Resources, Inc. (ARR) is a third-party collection agency based in Pennsylvania. ARR has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and using false or misleading information in an effort to collect a debt. If ARR has contacted you about delinquent collection items,make sure you understand your rights before taking action.
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Is AR Resources a scam?
They’re legit. According to the Better Business Bureau (BBB), AR Resources , Inc. was founded and incorporated in 2002. The BBB established a profile page for ARR in 2003. The BBB lists ARR as a collection agency. Buzzfile estimates AR Resources’ annual revenue at $3.3 million and the size of its headquarters staff at 28 employees.
According to its website, ARR “is a full-service accounts receivable management and collection company serving creditors throughout the United States.” ARR offers “various Accounts Receivable solutions …by employing staff, technology, and a commitment to… client…success that has allowed them to achieve superior results.”
Who does AR Resources collect for?
AR Resources’ main focus is collecting delinquent debts for healthcare providers and education lenders. ARR’s healthcare collections division “provides collection services to over 500 medical providers throughout the United States.” Healthcare collection services include bad debt contingency collection; pre-collection letter series; early-out billing projects; insurance follow-up; and second placement bad debt. ARR also “provides services to industries such as banking, retail, and all types of consumer debt.” These clients include “banks, car rental agencies, home security companies, waste management companies, and various private businesses.” ARR provides these clients with services that include bad debt collections; pre-collection programs; and customized collection programs.
ARR’s education collection division “works with… student borrowers to achieve the best possible resolution of…accounts while protecting the financial stability and reputation of…educational clients.” Services include tuition recovery; Perkins loan recovery and cohort management; institutional loan recovery; nursing loan recovery; miscellaneous accounts receivable management; and second placement collections.
The ARR website does not provide any detailed information about its regulatory compliance policies. The Contact page includes a mini-Miranda identifying ARR as a bill collector. However, there are no 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 AR Resources?
As of May 2019, the BBB has closed 125 complaints against AR Resources in the past 3 years, with 42 complaints closed in the previous 12 months. Most of those complaints alleged problems with billing and collections, although 11 complaints also cited problems with customer service. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 184 complaints involving ARR . Justia lists at least 6 cases of civil litigation involving ARR.
AR Resources, Inc.
PO Box 1056
Blue Bell, PA 19422
Can AR Resources 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 December 2018, in United States District Court for the District of New Jersey, a judge issued an opinion in a case alleging AR Resources had sent collection letters that violated certain provisions of the FDCPA. In this case, the plaintiff had incurred a debt as a result of having received medical treatment at a facility near his home. He was unable to pay the medical bill, so it was sent to ARR for collection. In February 2016, the plaintiff received a collection letter from ARR that “demanded payment on behalf of the healthcare provider in the amount of $3,756.55. The letter “directed the plaintiff to contact ARR in the event that the subject debt was covered by his insurance” by including the following statement: “If you carry any insurance that may cover this obligation, please contact ARR’s office at the number above.” At the end of the letter, ARR included avalidation notice with language mandated by the FDCPA stating that the plaintiff had 30 days to request validation in writing.
The plaintiff argued that the letter violated Sections 1692g and 1692e of the FDCPA. Section 1692g “provides that, within five days after an initial communication with a consumer in connection with the collection of any debt, a debt collector must send the consumer a written letter that includes…a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.” Section 1692e “prohibits debt collectors from using ‘any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.’”
Attorneys for AR Resources requested that the complaint be dismissed on the grounds that the plaintiff failed to state a claim upon which relief could be granted. The court disagreed, finding that the language in the letter “offering the debtor the option to call with insurance coverage overshadowed and contradicted the language in the validation notice…and that a debtor could…be misguided by the language in the …letter…to mistakenly dispute the debt by calling the collection agency, because the letter instructs that issues with coverage under an insurance policy can be handled by telephone.” As a result, the court dismissed ARR’s request to dismiss the plaintiff‘s complaint and granted the plaintiff’s request for summary judgment,as well as his request to certify the complaint as a class action.
AR Resources 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.
“We were so impressed with how the attorney listened to us and understood the position we were in. Thank you for stopping the calls. The check was a nice bonus, but mostly we’re glad we’re not being hounded anymore.”
“Lemberg Law contacted me within a couple of hours of me submitting my info on their site. That same day Daniel emailed me instructions on what to do the next time the collection agency called. Within a week, the calls had stopped. Today marks week 2 and we’ve not had a call in three days. I can’t say thank you enough.”
“I can’t praise your service enough. I was lost and just really wanted my credit report cleaned up. You have gone beyond my expectations. Thanks again!”
Can You Help Me Delete AR Resources from My Credit Report?
There is a good chance we can. Contact us to find out more.
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