AR Resources 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.
AR Resources, Inc. is a legitimate third-party debt collection agency based in Pennsylvania. AR Resources, Inc. has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as threatening to take actions against debtors that cannot legally be taken and using false or misleading language in an effort to collect a debt. If AR Resources, Inc. has contacted you about past due financial obligations,understand your rights before taking action.
According to its website, AR Resources, Inc. is a full service accounts receivable management and collection company that serves creditors nationwide. AR Resources, Inc. offers a variety of solutions to its clients, ranging from pre-collection services, to contingency collections. As a result of its contingency fee basis, AR Resources, Inc. is highly motivated to collect the maximum amount possible from each individual debtor because it only receives a percentage of the amount collected as compensation for its efforts. Applied Business Servces, Inc.’s website does not provide a lot of detailed information about its collection practices or client base.
AR Resources, Inc. boasts that it serves over 500 medical providers throughout the country AR Resources, Inc. employs the standard onslaught of collection tactics through the utilization of technology, complaint collection letters, the use of skip-tracing and to locate debtors and their contact information, and a staff of fully-trained collection professionals. If these efforts prove unsuccessful, AR Resources, Inc. will report individual debtor accounts to the national credit reporting agencies in an effort to prevent debtors from obtaining other lines of credit until the debt has been fully paid. Finally, if further collection is required, AR Resources, Inc. will take legal action in court against individuals debtors and obtain a judgment, which will accrue interest until paid and can also be used to obtain a wage garnishment against the debtor.
AR Resources, Inc. is affiliated with numerous medical professional collection associations, including the Association of Credit and Collection Professionals (ACA International); the American Association of Healthcare Administrative Management (AAHAM); the Healthcare Financial Management Association (HFMA), and the Emergency Department of Practice Management Association (EDPMA). In addition to membership in these medical professional collection associations, AR Resources, Inc. is also affiliated with the Florida Association of Bursars & Student Accounting Administrators (FABSAA); the New York State Organization of Bursars and Business Administrators (NYSOBBA); and the Education Accounts Receivable Management Association (EARMA).
AR Resources, Inc. offers debt collection services in a variety of industries, including banking, retail, and all other forms of consumer debt. AR Resources, Inc. specializes in education and healthcare collections.
As a third-party debt collection agency, AR Resources, Inc. 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 AR Resources, Inc. 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 AR Resources, Inc. debt collectors.
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AR Resources, Inc. is not accredited by the Better Business Bureau (BBB), which issued AR Resources, Inc. a “B”rating. The BBB website lists the presence 138 complaints against AR Resources, Inc. in the past three years, only 54 of which have been resolved. 128 of these complaints contained allegations related to AR Resources, Inc.’s billing and collections practices, while the remaining 10 complaints contained allegations related to AR Resources, Inc.’s services. Since December 2013, the Consumer Financial Protection Bureau (CFPB) has received an incredible 503 complaints against AR Resources, Inc. 456 of these complaints contained allegations related to AR Resources, Inc.’s debt collection practices, while the remaining complaints alleged problems with AR Resources, Inc.’s credit reporting and consumer loan practices. In addition, Justia, one of the largest online legal databases in the United States, lists at least 73 federal cases of civil litigation involving AR Resources, Inc.
Are you asking yourself…
AR Resources could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by AR Resources 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.
No. If you’ve been contacted by AR Resources, 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.
Yes. AR Resources 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 AR Resources 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, AR Resources cannot threaten you to garnish your wages and garnishment can only only occur if AR Resources 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. AR Resources 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 AR Resources 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. AR Resources – or any other debt collection agency like AR Resources 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 can sue AR Resources if you believe ARR 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 AR Resources – 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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