Who Is Calling 765-213-7197?
If you’re receiving calls from 765-213-7197, the caller may be Atlantic Recovery Solutions, a debt collection agency that contacts consumers about past-due accounts. While collectors are allowed to reach out regarding unpaid debts, they must follow federal consumer protection laws—especially the Fair Debt Collection Practices Act (FDCPA).
If the calls seem persistent, confusing, or aggressive, you may have important rights.
Rules Debt Collectors Must Follow
Federal law places clear limits on collection practices. The following behaviors may violate the FDCPA:
📞 Frequent or poorly timed calls
Collectors generally cannot call before 8 a.m. or after 9 p.m. in your local time. Repeated or nonstop calls from 765-213-7197 could be considered harassment.
⚠️ Threats or abusive tactics
Debt collectors cannot use intimidation, profanity, or threats of arrest or legal action they do not intend to pursue.
📄 Failure to provide written debt details
After first contact, Atlantic Recovery Solutions must send written notice explaining the amount owed and identifying the original creditor.
👥 Discussing your debt with others
They cannot share information about your account with friends, family, or coworkers (except to locate you).
❌ False or misleading statements
Collectors cannot misrepresent the balance owed, pretend to be attorneys or government officials, or make deceptive claims about legal consequences.
What You Can Do If 765-213-7197 Keeps Calling
If you’re unsure about the debt—or concerned about how you’re being contacted—consider these steps:
Ask for written verification
You have the right to request proof that the debt is valid and that you are responsible for it.
Keep records of all contact
Document each call, including the date, time, and content. Save voicemails and written correspondence.
Dispute the debt if needed
If the debt is incorrect or not yours, send a written dispute. Collection efforts must pause until verification is provided.
Request that calls stop
You can also send a written notice telling Atlantic Recovery Solutions to stop contacting you. Afterward, once they receive it, they may only contact you to confirm they will stop or to notify you of legal action.
You May Have Legal Options
If calls from 765-213-7197 have been harassing, deceptive, or otherwise unlawful, you may be entitled to compensation.
📞 Contact Lemberg Law for a free, no-obligation consultation.
You pay nothing unless your case is successful.
Ways You Might See This Number
765-213-7197
76521371971-765-213-7197765.213.7197765 213 7197(765) 213-7197This could be a Debt Collector calling you.
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
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