Account Resolution Services or ARS debt collection agency is bound by the Fair Debt Collection Practices Act. Learn more about the company and how you can stop harassing debt collection calls.
Account Resolution Services, LLC or ARS is a legitimate third-party debt collection agency founded in 1979 and based in Florida. Account Resolution Services, LLC 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 this debt collector, make sure you understand your rights before taking action.
Account Resolution Services, LLC operates at least 20 alternative business names, including ARS Accounting Resolution; Emergency Physician Northern VA Community Hospital; Emergency Physician Palms; Emergency Physician West Boca; Emergency Physicians Ft. Walton; Emergency Physicians Health Central; Emergency Physicians Palmetto; Emergency Professional Services, Inc.; EMSA South Broward, Inc.; HCFS Healthcare Financial Services, LLC; Healthcare Revenue Recovery Group, LLC; HRRG, LLC; Inphynet Hospital Services; Inphynet South Broward, Inc; Paragon; Paragon Contracting Services, LLC; Paragon Contracting SRV, LLC; Plantation Billing Center; Southwest Florida Emergency Management, Inc.; and Sunrise Billing Center Team Health.
According to its website, Account Resolution Services, LLC “is a division of Healthcare Revenue Recovery Group (HRRG).” However, the website does not provide detailed information about its business practices or client base.
The Account Resolution Services, LLC website includes the following legal disclosure: “[t]his is an attempt to collect a debt and any information obtained shall be used for that purpose. This communication is from a debt collector.” However, the website does not provide any information regarding regulatory compliance policies, or any links or references to consumer protection resources, laws, or enforcement agencies.
Account Resolution Services, LLC offers a variety of services to its clients in the healthcare industry, including a billing services, medical billing services, and medical staffing services.
As a third-party debt collection agency, Account Resolution Services, LLC is required to adhere to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive debt collection tactics. Nevertheless, consumers have filed complaints accusing Account Resolution Services, LLC of violating the FDCPA. Those accusations have included claims that the debt collection agency has threatened to sue consumers without actually intending to do so and talking to third parties about consumers’ debts. It’s imperative that you know your rights under the law before speaking with Account Resolution Services, LLC debt collectors.
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Account Resolution Services, LLC is not accredited by the Better Business Bureau (BBB), though the BBB has issued an “F” rating to Account Resolution Services, LLC. As of October 2019, the BBB lists an incredible 344 complaints against Account Resolution Services, LLC in the past three years, only 89 of which have been resolved in the last 12 months. 279 of these complaints alleged problems with billing and collections practices, while 51 alleged problems with services provided by Account Resolution Services, LLC. Due to the number of alternative business names for Account Resolution Services, LLC, it is difficult to get an exact total of the number of complaints filed with the Consumer Financial Protection Bureau (CFPB) against Account Resolution Services, LLC. However, since October 2013, the CFPB has received 39 complaints against Healthcare Financial Services, LLC, which is just one of the numerous alternative names used by Account Resolution Services, LLC, all of which contain allegations related to debt collection practices. In addition, Justia, one of the largest online legal databases in the United States, lists at least seven federal cases of civil litigation involving Account Resolution Services, LLC or its alternative businesses since 2016.
If you’ve been contacted by ARS, you have the right to sue them in federal court if the debt collection agency has violated the Fair Debt Collection Practices Act. Signs that you may be on solid legal footing are:
The Fair Debt Collection Practices Act was put into law in order to protect consumers like you, but there’s a catch. While the government sues debt collection agencies that egregiously violate the law, it doesn’t sue agencies on behalf of individual consumers. Instead, the FDCPA has what’s called a fee-shifting provision. This means that, if you sue and win, then the debt collection agency has to pay your court costs and attorney fees. Fee-shifting levels the playing field so that you can assert your rights.
Are you asking yourself…
Account Resolution Services could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by ARS it’s important to know your rights under the Fair Debt Collection Practices Act. If they’ve violated your rights, you can take the agency to court and sue for statutory damages of up to $1,000 – along with court costs and attorney fees.
Yes. Account Resolution Services can sue you if you owe the debt, however, threatening to sue or serve you with papers if they don’t intend to do so is a violation of the Fair Debt Collection Practices Act. Additionally, after receiving the first collection notice, you have 30 days to dispute the debt. If you dispute the debt, then ARS is required by the FDCPA to prove that you do, in fact, owe the money. A debt collection agency isn’t allowed to sue you if, for example, the debt is past the statute of limitations or if you do not legally owe the debt. It’s a good idea to speak with a fair debt attorney if you’ve been served with a summons or legal complaint.
Yes. However, Account Resolution Services cannot threaten you to garnish your wages and garnishment can only only occur if ARS files a lawsuit and obtains a judgment against you. It’s common for consumers to ignore notice of a lawsuit; if you don’t appear in court, the judge may automatically rule against you. Debt collection agencies have been known to avoid serving consumers with notice to increase the odds of obtaining a judgment. This is called “sewer service” or “gutter service.” The bottom line? If wage garnishment takes you by surprise, talk to a consumer attorney who can fight for your rights.
Yes. Account Resolution Services can report debts in collection to the three major credit reporting agencies – Experian, TransUnion, and Equifax. Once a debt is reported to the credit bureaus, it will appear on your credit report and will impact your credit score.
Yes. However, as with wage garnishment, a property lien can only arise out of a court judgment against you. If ARS files a lawsuit against you and the judge rules in their favor, then the debt collection agency has a right to collect that money. One way of doing that is by putting a lien on your house or property. That’s why it’s imperative to respond to legal papers and to have an attorney by your side who will fight on your behalf.
No. Account Resolution Services – or any other debt collection agency like ARS for that matter – has no authority whatsoever to arrest you. In fact, threatening you with arrest or jail is a violation of the Fair Debt Collection Practices Act. While so-called “debtors prisons” are illegal, only non-payment of things like traffic tickets can lead a judge to issue a bench warrant, which in turn can lead to arrest.
Yes. You absolutely have the right to sue Account Resolution Services if you believe ARS violated the Fair Debt Collection Practices Act. The FDCPA says that debt collection agencies that violate the law must pay consumers up to $1,000 in statutory damages, as well as court costs and attorney fees. That’s why engaging a fair debt attorney to represent you in an FDCPA lawsuit typically doesn’t cost you anything out of pocket. The attorney that agrees to take on your case knows that the debt collection agency will be forced to pay their fees.
If Account Resolution Services – or any other debt collection agency – is calling you to the point of harassment, using abusive or profane language, or violating the FDCPA in some other way, it’s time to fight back. Under the law, you may be entitled to up to $1,000. At Lemberg Law, we won’t charge you a dime out of pocket, and we only get paid when you win. Call us today for a free, no-obligation, case evaluation. We’ll get the justice that you deserve.
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