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How to Beat Advanced Recovery Systems

Dena Standley | June 26, 2023

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Advanced Recovery Systems is a debt collection agency that knows how to pressure you to pay the debt you owe its clients. ARS will call multiple times a day, send endless emails, or sue you. But you can still beat them at whichever stage of the collection process. You can force them to validate a debt, respond to a debt lawsuit and win in court, or settle your debt with Advanced Recovery Systems with the help of SoloSettle.

If there is one thing debt collectors do perfectly, it is getting on your nerves. They can cause sleepless nights because of their endless calls and threats. Whether it's their rude agents calling or the automated robots, seeing their number on your phone brings anger and anxiety.

If you have an outstanding debt with Advanced Recovery Systems, there is a chance you have felt this way already. Luckily, there are ways to come out of this situation on top. Keep reading to learn more.

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What is the Advanced Recovery Systems, and how does it work?

Advanced Recovery Systems, Inc., also known as ARS Collects, is a nationwide debt collection company based in Valley Forge, Pennsylvania. It has been in business since 1996, specializing in healthcare and commercial debt recoveries.

On its website, ARS boasts of using proven recovery methods to ensure their clients receive exceptional account receivable management services. You can contact Advanced Recovery Systems with the following information:

Physical Address: 901 East Eighth Avenue, Suite 206 King of Prussia, PA 19406
Mailing Address: PO Box 80766, Valley Forge, PA 19484
Phone number: 888-354-0990 or 610-354-0990
Fax: 610-354-0996

How ARS works

Once you fail to pay your creditor for several months, they will hand over your account to ARS to collect the debt on their behalf. Your creditor may keep the account or sell the debt to ARS for pennies on the dollar.

Immediately after ARS receives your complete debt information, they will contact you via email, phone, or letter, asking you to pay. If you ignore their attempts, they will escalate their efforts out of desperation.

Consequently, they may leave countless messages, call people you know, or threaten you. If this doesn't work, they will enter your debt on your credit report (if they hadn't already) or take you to court.

Advanced Recovery Systems online ratings

ARS has received a few complaints compared to other debt collection agencies throughout America. For instance, they do not have a complaint listed on their BBB profile, but the CFPB has received dozens of complaints against Advanced Recovery Systems. Here’s an example of a real complaint against ARS:

“I was served a notice of an attempt to collect a medical debt from Advance Recovery System. I made several attempts to request validation of this debt with no response from the creditor. After I did not receive the information requested, I reached out to the CFPB. I received notification that the collection was removed from all credit bureaus. I called CFPB to have the complaint removed, but shortly after, the collection is showing on my credit report again, and Advance Recovery has yet to validate this debt. This has caused a tremendous impact on my credit rating.”

A Debt Validation Letter can help the above consumer stop ARS calls and emails. The letter legally requires ARS to verify the debt. You can draft a Debt Validation Letter in minutes with the help of SoloSuit.If they do not validate your debt, they are violating the Fair Debt Collections Practices Act.

Exercise your rights when ARS Collects contacts you

The Fair Debt Collection and Practices Act (FDCPA) contains guidelines controlling how debt collection companies work. For instance, the guidelines state that ARS should not:

  • Enter an inaccurate deb amount on your credit report
  • Call you multiple times a day
  • Threaten to take your crucial documents
  • Lie to you that the person calling is a lawyer if they are not
  • Saying they will call police officers to arrest you

If ARS violates your rights, visit your state's attorney general's office and report them. You can also write a complaint on their BBB page or CFPB or report online to the FTC.

To learn more about your rights when dealing with debt collectors, check out our guide on FDCPA Violations List.

Steps to respond to Advanced Recovery Systems lawsuit

A lawsuit is inevitable if you do not make payments. If you receive the suit, you still have a chance to fight the lawsuit with these three steps.

Don’t like reading? Check out this video instead:

1. Answer each claim listed in the Complaint

In the lawsuit, you'll see a document written Complaint. Inside, you'll see a list of allegations ARS has against you. Your task is to respond to these allegations in three ways:

  • Admit: You agree that the claim ARS makes about you is true.
  • Deny: You want ARS to prove the claim made is true.
  • Deny for lack of knowledge: You cannot answer because you lack enough information.

Lawyers recommend you deny some allegations to give ARS the task of proving their case in court. SoloSuit provides an easy way to create and file an Answer to any debt lawsuit.

2. Assert your affirmative defenses

Affirmative defenses allow you to defend yourself by stating why you are not responsible for the debt. However, saying that you do not have money to pay is not a viable defense. Here are several affirmative defenses you can use:

  • The debt figures are inaccurate.
  • The debt exceeded the statute of limitations.
  • You paid the debt in full.
  • The debt was canceled.
  • ARS hasn't shown its legal standing to collect the debt.

Drafting an Answer can be challenging for some consumers. SoloSuit can help you write a powerful Answer that leaves nothing to chance.

Make the right defense the right way with SoloSuit.

3. File the Answer in court, and send a copy to ARS

The last and crucial step in ensuring the Answer gets to court in time, or ARS may receive a judgment in their favor if you file late. The filing period is 14–30 days depending on the state. Once you complete the document, send a copy to the court, another to ARS lawyers, and keep the last one in your file.

SoloSuit files your Answer for you in any state.

Settle your debt with Advanced Recovery Systems

Consider settling your debt if you have cash set aside, or you can acquire money for this purpose. Settling a debt allows you to pay less than you owe and clear your name of the debt for good.

SoloSettle, powered by SoloSuit, can help you settle your debts once and for all. As a tech-based approach to debt settlement, you can use SoloSettle to settle debt on your own by using its software to send and receive settlement offers until you reach an agreement with Advanced Recovery Systems.

Once an agreement is reached, SoloSettle helps you manage the settlement documentation that should be filed into your debt lawsuit case.

Plus, you won’t have to worry about your financial information being compromised, because SoloSettle will transfer your payment to the collector on your behalf, keeping your financial information private and safe.

To learn more about how to settle a debt with Advanced Recovery Systems, watch the following video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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