How to Settle Debt With Advanced Recovery Systems

George Simons | January 28, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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: Advanced Recovery Systems is a debt collection agency that knows how to pressure you to pay the debt you owe its clients. ARS will call multiple times a day, send multiple emails, or sue you. But you can still engage with them at any stage of the collection process. You can ask them to validate a debt, respond to a debt lawsuit and win in court, or settle your debt with Advanced Recovery Systems with the help of SoloSettle.

If you have an outstanding debt with Advanced Recovery Systems, there is a chance you are feeling anxious and nervous about the future. Luckily, there are ways to come out of this situation on top. Keep reading to learn more.

Settle debt with Advanced Recovery Systems

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is Advanced Recovery Systems?

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.

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

Who does ARS collect for?

ARS specializes in healthcare and commercial debt recoveries, so it collects for medical companies, healthcare providers, credit card companies, and more. 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 may opt to escalate their efforts out of desperation.

Read Advanced Recovery Systems reviews online to prepare to negotiate with them

If you are being contacted by Advanced Recovery Systems, then it may make sense to check out online reviews to see what other people have shared about their experiences interacting with Advanced Recovery Systems. Relevant online reviews can be accessed here:

It’s fair to say the online reviews of ARS are up and down (i.e., some good and some bad). This is perfectly normal since everyone’s situation is different. You should not let the mixed reviews deter you from proactively engaging with the debt collector to try and achieve a resolution. Take, for example, the experience of a borrower named Thurl:

“Wow. I was so stressed out until I got on the phone with the guys at Advanced Recovery Systems. I was being a little rude when I first got in contact with them due to my own frustration, but the person on the other side of the phone was able to calm me down and help me get the a good solution. Seriously so grateful that I got in contact with them and I would highly recommend!”

Thurl’s review is an indicator that if you are open and willing to establish a line of communication with ARS debt collectors, then you stand a better chance of achieving a resolution to your debt issue.

Of course, if the idea of calling a debt collector to negotiate a debt settlement sounds like nails on a chalkboard, then consider using SoloSettle to negotiate online and resolve your debt through our cutting-edge digital settlement platform.

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.

Filing an Answer is only the first step to settle debt with Advanced Recovery Systems. In most cases, it’s best to contact Advanced Recovery Systems directly to negotiate and settle for less.

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:

Settle with SoloSettle

Make an Offer

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The Ultimate 50 State Guide

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