Dena Standley | October 19, 2022
Summary: Is AR Resources suing you for a debt? SoloSuit can help you take a stand and win in court.
AR Resources is one of the largest debt collection agencies in the United States. They collect past due debts for many creditors, including student loan providers and medical bills.
While dealing with the calls can be frustrating, you should worry more about the harm the account in collections has on your credit score. Each delinquent debt on your credit report is a stain that can hurt your credit for up to seven and a half years.
Many consumers think of medical and student debt as a "good type" of debt and somehow feel that it should not hurt their records. Therefore, it may be shocking for you to find out that institutions can sell these debts to debt collectors. Those debt collectors may place the debt on your credit report to disguise the original creditor, masking the fact that it is medical debt. AR Resources is known to do just that.
Here's everything you need to know about how to beat AR Resources.
If you are feeling super frustrated with AR Resources, you're not alone. In fact, nearly 200 complaints have been filed with the Consumer Financial Protection Bureau against AR Resources. On its Better Business Bureau profile, AR Resources has received 170 consumer complaints in the last three years.
As if being a debt collection company is not a bad enough title, AR Resources has a poor Google review averaging 1.3 stars out of 53 reviews. It's not BBB accredited, although they have an average B rating.
Here are some examples of real experiences consumers have had with AR Resources:
If you feel like you are being treated unfairly by AR Resources, you should study the Fair Debt Collection Practices Act and file a complaint to the CFPB and BBB.
No, your student loan will not go away if you ignore it. It will keep haunting you every time you request your credit report from the credit reporting agencies (CRAs). It will drag your credit score in the mud, and the calls and emails from debt collectors will not leave you in peace. It's wise to treat your student loan debt seriously. Unless it is forgiven under specific circumstances, student loan debt will haunt you until it is paid.
Work out a deal with your creditor early on if you can. Self-discipline is necessary to stick to your payment plan. Analyze your finances. More often than not, you can negotiate a workable schedule to keep up with monthly payments. The reward is worth it; no third parties calling about debt and no ugly AR Resources entry on your report.
Medical bills are another headache. You may still be unwell when debt collectors contact you about late medical bills. It's annoying, especially if you speak with a rude debt collector. Do your best to prevent a medical debt lawsuit.
To prevent AR Resources from contacting you about debt, make arrangements with your insurance to pay the bills to your original healthcare provider. Ask for help from a trusted loved one if you need to while recovering. They can help you contact the hospital and physicians you need to pay before the debt goes to collections.
Debt collection calls are never fun. However, if you're dealing with health issues, it can add to your distress.
If AR Resources is contacting you about an honest debt, you can still avoid handling the calls directly. Make use of one of the following provisions:
Phone calls disrupt your day and force you to address issues you are not mentally prepared to handle. On the other hand, letters allow you the luxury to read them when you are ready.
Another advantage of communicating with debt collectors in writing is that you can easily record every contact and transaction with AR Resources. These records are vital for ensuring the accuracy of debt and payment history.
If you have an attorney, let AR Resources know that you prefer that they call them instead. They are better equipped to deal with impromptu calls. Lawyers also know your rights off the top of their head, and therefore there are fewer chances debt collectors will harass or spam call them.
You will eventually have to pay genuine, validated debts. However, that doesn't mean that you should let debt collectors harass or intimidate you with their persistent calls. According to the law, you can stop AR Resources from contacting you. Send the letter through certified mail to be sure they received it. If they continue contacting you to collect the debt after receiving the letter, report the company to the Fair Trade Commission, FTC.
Remember that a Cease and Desist does not take away the debt. It only saves you from debt collection calls and letters. AR Resources may still try other means to collect the money, like resorting to a lawsuit. But they would have to let you know first before they take action.
Many debt collectors step on your rights, hoping you'll be ignorant like many consumers are. Let them know you are informed and that you will take legal action against the company if they violate any of your rights.
The Fair Debt Collection Practices Act (FDCPA) protects you. The federal government keeps improving these laws to shield consumers from overly aggressive and abusive debt collectors.
Today, anyone reaching out to collect a debt must:
Debt collectors cannot:
Whenever AR Resources violates any of these regulations, report them to the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB).
If you want to, you can sue the company for the violations. If you win against them, they will pay your attorney's fee and damages of up to $1000 for each violation.
The first step to beating AR Resources in court is to respond to the lawsuit. Most people who are sued by AR Resources don't know how to respond, or they would rather ignore the lawsuit in the hopes that it will go away. Don't make this mistake.
Use SoloSuit's Answer form to respond to your debt lawsuit in minutes and win.
Here are 6 tips for drafting a debt lawsuit Answer:
To learn more about these 6 tips, check out this video:
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.
"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here 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.)
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Going to Court for Credit Card Debt — Key Tips
How to Negotiate Credit Card Debts
How to Settle a Credit Card Debt Lawsuit — Ultimate Guide
Need more info on statutes of limitations? Read our 50-state guide.
Why do debt collectors block their phone numbers?
How long do debt collectors take to respond to debt validation letters?
What are the biggest debt collector companies in the US?
Is Zombie Debt Still a Problem in 2019?
If a car is repossessed, do I still owe the debt?
Is Portfolio Recovery Associates Legit?
Is There a Judgment Against Me Without my Knowledge?
Should I File Bankruptcy Before or After a Judgment?
What is a default judgment?— What do I do?
Summoned to Court for Medical Bills — What Do I Do?
What Happens If Someone Sues You and You Have No Money?
What Happens If You Never Answer Debt Collectors?
What Happens When a Debt Is Sold to a Collection Agency
What is a Stipulated Judgment?
What is the Deadline for a Defendants Answer to Avoid a Default Judgment?
Can a Judgement Creditor Take my Car?
Can I Settle a Debt After Being Served?
Can You Appeal a Default Judgement?
Do I Need a Debt Collection Defense Attorney?
Do I Need a Payday Loans Lawyer?
Do student loans go away after 7 years? — Student Loan Debt Guide
Am I Responsible for My Spouses Medical Debt?
Should I Marry Someone With Debt?
Can a Debt Collector Leave a Voicemail?
How Does Debt Assignment Work?
What Happens If a Defendant Does Not Pay a Judgment?
How Does Debt Assignment Work?
Can You Serve Someone with a Collections Lawsuit at Their Work?
How Many Times Can a Judgment be Renewed in Oklahoma?
Does Debt Consolidation Have Risks?
What Happens If You Avoid Getting Served Court Papers?
Does Student Debt Die With You?
Can Debt Collectors Call You at Work in Texas?
How Much Do You Have to Be in Debt to File for Chapter 7?
What Is the Statute of Limitations on Debt in Washington?
How Long Does a Judgment Last?
Can Private Disability Payments Be Garnished?
Can Debt Collectors Call From Local Numbers?
Does the Fair Credit Reporting Act Work in Florida?
The Truth: Should You Never Pay a Debt Collection Agency?
Should You Communicate with a Debt Collector in Writing or by Telephone?
What Happens After a Motion for Default Is Filed?
Can a Process Server Leave a Summons Taped to My Door?
Need help managing your finances? Check out these resources.
How to Make a Debt Validation Letter - The Ultimate Guide
How to Make a Motion to Compel Arbitration Without an Attorney
How to Stop Wage Garnishment — Everything You Need to Know
How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)
Defending Yourself in Court Against a Debt Collector
Tips on you can to file an FDCPA lawsuit against a debt collection agency
Advice on how to answer a summons for debt collection.
Effective strategies for how to get back on track after a debt lawsuit
New Hampshire Statute of Limitations on Debt
Sample Cease and Desist Letter Against Debt Collectors
The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah
West Virginia Statute of Limitations on Debt
What debt collectors cannot do — FDCPA explained
Defending Yourself in Court Against Debt Collector
Arkansas Statute of Limitations on Debt
Youre Drowning in Debt — Heres How to Swim
Help! Im Being Sued by My Debt Collector
How to Make a Motion to Vacate Judgment
How to Answer Summons for Debt Collection in Vermont
North Dakota Statute of Limitations on Debt
ClearPoint Debt Management Review
Indiana Statute of Limitations on Debt
Oregon Eviction Laws - What They Say
CuraDebt Debt Settlement Review
How to Write a Re-Aging Debt Letter
How to Appear in Court by Phone
How to Use the Doctrine of Unclean Hands
Debt Consolidation in Eugene, Oregon
Summoned to Court for Medical Bills? What to Do Next
How to Make a Debt Settlement Agreement
Received a 3-Day Eviction Notice? Heres What to Do
How to Answer a Lawsuit for Debt Collection
Tips for Leaving the Country With Unpaid Credit Card Debt
Kansas Statute of Limitations on Debt Collection
How to File in Small Claims Court in Iowa
How to File a Civil Answer in Kings County Supreme Court
Roseland Associates Debt Consolidation Review
Do Debt Collectors Ever Give Up?
Can They Garnish Your Wages for Credit Card Debt?
How Often Do Credit Card Companies Sue for Non-Payment?
How Long Does a Judgement Last?
How Long Before a Creditor Can Garnish Wages?
How to Beat a Bill Collector in Court