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Arcadia Recovery Bureau is Not a Scam

Sarah Edwards | February 19, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: Scammers often pose as debt collectors, but Arcadia Recovery Bureau isn’t one of them! If you get a call from Arcadia, it’s important to deal with it as soon as possible. SoloSuit shows you how.

Have you been getting calls from Arcadia Recovery Bureau? Scammers will frequently pose as debt collection agencies, and you may be running searches like “Arcadia Recovery Bureau scam” to find out whether you should worry about these calls or dismiss them as scams.

Unfortunately, Arcadia Recovery Bureau is a real collection agency, and you may indeed owe them money. But you may be able to pay them less than what you owe — or nothing at all. Here’s what you need to know about Arcadia Recovery Bureau and how to deal with them.

Is Arcadia Recovery Bureau legit?

What is Arcadia Recovery Bureau? Arcadia Recovery Bureau is a legitimate collection agency located at 645 Penn St, 4th Floor, Reading, PA 19601. Founded in 1973, it collects for several kinds of businesses, including:

  • Private medical practices.
  • Hospitals and hospital systems.
  • City courts.
  • State and local government services.
  • Utility companies.

If you need to get in touch, the Arcadia Recovery Bureau phone number is 610-378-5000, though you may receive calls from numbers like 888-298-3080.

Read Arcadia Recovery Bureau reviews online

To get a better sense of Arcadia Recovery Bureau, it’s a good idea to check its Better Business Bureau (BBB) profile. Arcadia Recovery Bureau is not BBB accredited, and it has a BBB rating of F. Its BBB profile has a 1 out of 5 star rating, with dozens of complaints submitted over the last three years.

Out of more than 50 Google reviews, Arcadia Recovery Bureau has an average rating of 1.6 out of 5 stars.

Many of these reviews and complaints say Arcadia has tried to collect already paid debts and that their representatives were rude and unprofessional. Let’s take a look at some real Arcadia Recovery Bureau reviews below:

Here’s how to resolve debt with Arcadia Recovery Bureau

Many people ignore debt and hope it goes away. Don’t do this! If you refuse to pay, debt collectors can file a lawsuit against you. If you ignore a Summons, you’ll lose by default, and Arcadia Recovery Bureau can have your wages garnished.

If you get a call or letter from Arcadia Recovery Bureau, the first thing you should do is ask them to validate the debt. The Fair Debt Collection Practices Act (FDCPA) gives you the right to ask a collector to send documentation that proves you owe the debt. If the collector can’t do that, you don’t have to pay.

To validate a debt, you need to send a Debt Validation Letter to the collector. You’ll want to act quickly — you need to do this within 30 days of the notice of the debt!

Write a Debt Validation Letter.

What does Arcadia Recovery Bureau do once they get your letter? If they’re able to validate the debt, they’ll send you proof. If they aren’t, you likely won’t hear from them again.

If they do validate your debt, you have a choice to make. Here are a few options for resolving your debt:

1. Pay in full or try pay-for-delete

If you want to keep things simple, you can pay off the debt and be done with it. This might be a good idea if you only owe a small amount and don’t want the hassle of negotiation.

However, if you’re able to pay in full anyway, you might want to ask Arcadia for a pay-for-delete. This is an agreement where you pay the amount in full in exchange for Arcadia removing the collection from your credit report. Many debt collectors won’t agree to this, but it’s worth trying anyway. The worst they can say is no!

2. You can negotiate a settlement

This is different from the formal negotiation process if you’ve been sued. If you don’t have the funds to pay in full or just don’t want to, try negotiating with Arcadia to settle for a lesser amount.

There’s a fairly good chance of this working. Debt collectors usually purchase debt for much less than it’s worth. If you pay less than the full amount, they turn a profit and also don’t have to waste more resources trying to get you to pay.

3. Ask to set up a new a payment plan

If you don’t have the funds for a lump-sum settlement — or if Arcadia doesn’t agree to a settlement — try negotiating a payment plan. This is when you pay a certain amount per month until the debt is paid off.

SoloSettle can help you with all these options and more.

Settle with SoloSettle

Make an Offer

How do you resolve debt if Arcadia Recovery Bureau has already sued you?

If you go long enough without responding to calls or letters, Arcadia Recovery Bureau might file a lawsuit against you. If this happens, you’ll get a Summons. You can still negotiate a settlement to resolve your debt. But to do so, you need to respond to the Summons by your state’s deadline.

Once you respond to the lawsuit, you can try to negotiate a settlement. This is a lot more convenient than going to court, for both you and the debt collector.

Negotiating can take several rounds, but it’s generally best to start by offering to pay 60% of the total debt. If you want to make this step a lot less stressful, SoloSettle by SoloSuit can help. All you have to do is put in some information, and we’ll negotiate with the collector for you.

To get a sense of this general process, let’s consider an example.

Example: Tiffany gets a Summons saying she’s being sued by Arcadia for $800. She looks up her state’s deadline and sends an Answer with SoloSuit. Now that she’s made sure she won’t lose by default, Tiffany enlists the help of SoloSettle, and after a few rounds of negotiation, she settles the debt for $600. Tiffany pays it off and breathes a sigh of relief.


Not sure what to include in your Answer? Check out this video for more tips on how to respond to a debt lawsuit in court.

SoloSuit can help you get out of debt

While there’s no Arcadia Recovery Bureau scam, you don’t have to face dealing with any debt collector alone. With SoloSuit’s help, you can resolve your debt — whether that means settling, setting up a payment plan, or just paying in full.

Settle your debt once and for all with SoloSettle from SoloSuit.

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