How to Beat Advanced Recovery Systems

Dena Standley | June 26, 2023

Edited by Hannah Locklear

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.

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.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

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

Get answers to these FAQs

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?

SoloSuit FAQ

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 I Stop Wage Garnishment?

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?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

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?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

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

How to Liquidate Debt

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

How to Stop a Garnishment

Debt Eraser 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