ARC Management Group LLC 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 ARC Management Group?
ARC Management Group , LLC (ARC) is a third-party collection agency based in Georgia that specializes in collecting delinquent healthcare provider bills. ARC 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 ARC, understand your rights before taking action.
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Is ARC Management Group a scam?
They’re legit. According to the Better Business Bureau (BBB), ARC Management Group, LLC is a legitimate collection agency, founded in 2006, and the BBB established its profile page in 2009. ARC is listed as a collection agency with a headquarters in Kennesaw, GA. Buzzfile estimates ARC’s annual revenue at $5 million and the size of its staff at 38 people.
According to its website, ARC “is a full service pre-legal and legal commercial and consumer collection agency that operates nationwide and can litigate when necessary in many states.” ARC’s operating philosophies are “business and technology leadership, personalized services to…clients, and a commitment to the highest level of service.”
Who does ARC Management Group collect for?
ARC Management Group offers collection services in three areas: first party medical collections, third-party contingency collections, and legal action. ARC’s medical billing and first-party collection division “specializes in the billing and collections of medical accounts receivables nationwide,” and utilizes digital billing and collection management systems; fully integrated claims editing and submission; uninsured and underinsured collections; special revenue projects; and security and compliance policies.
ARC’s contingency collections services are for “businesses that wish to efficiently secure funds from their past due customers, without tasking internal resources to do so.” Their third-party collection services employ “effective phone contact, various letters in series, skip tracing, and legal review” to collect delinquent accounts for healthcare providers, financial services companies, retail lenders, telecommunications companies, and transportation companies.
ARC’s litigation team is “licensed to practice law in multiple jurisdictions, for both consumer and commercial accounts.” In addition, ARC provides business-to-business collections for commercial accounts. ARC’s website is client-facing; their Consumer Credit Information page only lists contact information for the credit reporting 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 ARC Management Group LLC?
As of October 2017, the BBB has given ARC a rating of B+. the BBB has closed 30 complaints against ARC Management Group in the preceding three years, with 15 closed in the past 12 months. Complaints are fairly evenly split between those alleging problems with billing and collections and those alleging problems with customer service. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 24 complaints against ARC. Justia lists at least 7 cases of civil litigation naming ARC as a defendant.
ARC Management Group, LLC 1825 Barrett Lakes Blvd., Suite 505 Kennesaw, GA 30144 Telephone: 866.510.9754 Website: http://arcmgmt.com/
Can ARC Management Group 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 ARC 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!
Many complaints against ARC Management Group demonstrate a tendency toward inaccurate documentation and inappropriate communication tactics. For example, in July 2017, a complainant reported finding a delinquency for a visit to a healthcare facility on his credit report. He indicated that he “had never received any communication from the original creditor…nor had he received any communication from” ARC. He indicated that the FDCPA required ARC to notify him of any delinquencies before reporting the information to the credit reporting agency. He also contacted the original creditor, and they did not have any record of the alleged debt. In response, ARC indicated that the account was closed and a deletion request was sent to the credit reporting agency.
In March 2017, a complainant indicated that AC had withdrawn funds from his checking account twice without his authorization—once for $106 and a second time for $109.07. Despite several efforts to contact ARC by phone, he was unable to reach a representative. In response, ARC apologized, blamed the unauthorized withdrawals on a technical error, and refunded the unauthorized amount.
In August 2016, a complainant indicated he had initially been contacted by an ARC Management Group representative by phone for a 2014 debt he claimed he had already paid. Regardless, he began receiving daily calls allegedly harassing him about the bill. He insisted he would contact the original healthcare provider directly and requested that all telephone contact cease. Nonetheless, he continued receiving calls, including calls to his employer that he had specifically indicated he was not allowed to receive. When he objected, the representative allegedly became hostile and threatening, and said she would “ruin his credit” if he did not send a check immediately. Despite his repeated requests, he received still more phone calls. In response, ARC posted a reply that stated, “We are more than happy to cease and desist communications on this account. However, we have many people in our account database with the same name. If you could provide the phone number that we are calling or the account number, we would certainly remove it from our system.”
ARC Management Group 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 ARC 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 ARC Management Group Debt Collection Harassment Now?
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Can You Help Me Delete ARC Management Group from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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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.