Atlantic Recovery Solutions 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.
What is Atlantic Recovery Solutions?
Atlantic Recovery Solutions or ARS is a third-party collection agency based in New York. ARS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is Atlantic Recovery Solutions a scam?
They’re legit. According to the Better Business Bureau (BBB), Atlantic Recovery Solutions is a legitimate collection agency originally incorporated in December 2012 before starting in February 2013. The BBB established its profile page two months later, in April 2013. Atlantic Recovery Solutions is listed as a collection agency.
According to its website, ARS provides “financial solutions for…clients…and investors, while maintaining the highest level of professionalism and integrity in the industry.” ARS’ mission is to “help creditors liquidate consumer receivables and assist consumers in resolving their financial challenges, while carrying on a high level of professionalism…ARS recognizes each consumer’s distinct financial situation, and tries to work with them as well as their clients to come to voluntary resolutions.”
Who does Atlantic Recovery Solutions collect for?
According to their website, Atlantic Recovery Solutions clients “include financial companies, local retail and consumer merchants, housing facilities, medical institutions, bank cards, and other local merchants.” ARS professional services “include debt collections and litigation solutions.”
Their website does not provide a lot of detailed information about their business practices, stating simply that they “work with a variety of clients and produce very high liquidation and recovery rates” with a business model that “emphasizes compliance and integrity.” Litigation services in the form of “wage garnishment, civil judgments, or by default judgment… are executed by ARS’ legal network of attorneys.”
As for compliance, all Atlantic Recovery Solutions employees must complete Fair Debt Collection Practices Act (FDCPA) “training requirements and have received certification after passing an FDCPA exam. Ongoing training takes place on a quarterly basis. Furthermore, accounts and calls are monitored and recorded as a part of ARS’ compliance and training process.” However, the Consumer Resources tab only provides a link to a page on the Debt Buyers’ Association website.
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 Atlantic Recovery Solutions – ARS?
The BBB has closed 41 complaints against Atlantic Recovery Solutions in the past three years, with 26 closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since April 2015, the Consumer Financial Protection Bureau (CFPB) has received 25 complaints about ARS. Justia lists at least 3 cases of civil litigation involving ARS.
Can Atlantic Recovery Solutions 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!
In 2016, a class action lawsuit was filed against against Atlantic Recovery Solutions, LLC over its practice of allegedly leaving messages on debtors’ cellphones without properly stating that it is a debt collector calling about recovering a debt, a violation of the Fair Debt Collection Practices Act (FDCPA)
Complaints against Atlantic Recovery Solutions commonly cite hostile, rude, and aggressive conduct by telephone representatives. In November 2017, a complainant indicated that two ARS representatives had called and “threatened his wife.” The representatives indicated they were going to call the complainant’s “military chain of command and take away his clearance; … that he could get in trouble; and that it will affect his…career.” Allegedly, the representatives also threatened to “look into his wife’s account and take her… money because the complainant owed them money from his repossession.”
The complainant further alleged that Atlantic Recovery Solutions representatives were “rude and disrespectful in general…spoke over his wife and didn’t even give her information on how to go about paying the debt.” He complained that this “kind of disrespect and threat should not be allowed.” In response, ARS indicated that “after reviewing the recordings of the phone calls to the complainant we were able to determine that our representative did not follow…internal policies as far as customer service. That representative has been suspended without pay, and also he has been mandated to attend…a re-training course. Also, that representative has been removed from handling the complainant’s account.” ARS indicated further that “an arrangement was secured with our office, and the complainant’s account is considered as paid and closed.” ARS “apologized for any inconvenience that this may have caused.”
The complainant’s rebuttal indicated that he was not satisfied with the resolution. He believed “that the client who threatened to go into his wife’s account and take her money should be released from business,” and that when “a customer is being threatened with something to this extent, no pay for several days and taking a training course does not compensate for their actions. This is basically a slap on the wrist.” He believed ARS should hold itself to a higher standard. ARS responded by stating that their “internal disciplinary policy… requires only that the representative is to be suspended with no pay for 3 business days. Also, the representative has been placed on a final notice and mandated to undertake our internal re-training course on customer service.” Atlantic Recovery Solutions apologized that the complainant did not agree with their internal policies but such policies “are unable to be altered by an outside party
Atlantic Recovery Solutions 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.
Consumers have reported this agency harassing them from the following numbers:
“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“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 Atlantic Recovery Solutions 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.