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How to Resolve Debt With AR Resources

George Simons | January 28, 2025

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: AR Resources collects debts for healthcare, utilities, and student loans. To settle, verify debt, negotiate a payment plan, and get the agreement in writing. Solo can help you respond to debt collectors and settle your debt for less.

AR Resources is one of the largest debt collection agencies in the United States. They collect past due debts for many creditors, including student loan providers and medical bills.

While dealing with the calls can be frustrating, you should worry more about how the account in collections affects your credit score. Each delinquent debt on your credit report is a stain that can hurt your credit for up to seven and a half years.

Many consumers think of medical and student debt as a "good type" of debt and somehow feel that it should not hurt their records. Therefore, it may be shocking for you to find out that institutions can sell these debts to debt collectors. Those debt collectors may place the debt on your credit report to disguise the original creditor, masking the fact that it is medical debt. AR Resources is known to do just that.

Here's everything you need to know about how to resolve your debt with AR Resources.

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What is AR Resources?

AR Resources is a third-party collection agency that specializes in recovering debts for various companies. It has been in business for over 22 years and is headquartered in Blue Bell, PA. It mainly serves four states: the District of Columbia, Maryland, Pennsylvania, and Virginia.

Need to contact AR Resources? Try the AR Resources phone number and other contact info below:

As a collection agency, AR Resources helps creditors by pursuing outstanding debts through various methods, including phone calls, letters, and other forms of communication. The agency's goal is to recover the owed money on behalf of the original creditor.

Who does AR Resources collect for?

Companies often want to focus on the day-to-day running of their business and not on following up on pending debt. AR Resources comes in to collect for such businesses in industries such as:

  • Healthcare
  • Telecommunications
  • Utilities
  • Retail

If you see AR Resources written on your lawsuit, confirm if you have an unpaid debt in any of these sectors.

Read AR Resources reviews online

When researching AR Resources, you’ll probably check out reviews from previous clients and individuals who have had direct experiences with the agency. While some reviews may highlight the agency's effectiveness in collecting debts, others may focus on how it handles communications with consumers. Their experience may differ from yours if you approach them with a mindset focused on resolving the debt. Here are some reviews for you to explore:

Despite the mixed reactions you may have encountered as you read the reviews, you can have a positive outcome with AR resources just as Leiah Q did:

“I called this company last evening to settle my debt with them; I left VM as I was too late. I also sent an email to follow up. It's 0815 in the morning after my call, and I just got my callback (prompt!). The gentleman identified himself as Rob ****, was professional and courteous, and took my payment info. Done. I realize this is a debt collection agency, and they don't get many good reviews, so I wanted to share my experience since it WAS so good! Thank you!”’

The key to working with debt collectors is communication. As you can see from Leiah’s experience, it’s important to be open and honest about your debt situation and reason for missed payments. Most debt collectors will work with you to find a solution. And tools like SoloSettle can help you negotiate with collectors to settle your debt for less.

Pay your student loan and medical bills as soon as possible.

No, your student loan will not go away if you ignore it. It will keep haunting you every time you request your credit report from the credit reporting agencies (CRAs). It will drag your credit score in the mud, and the calls and emails from debt collectors will not leave you in peace. It's wise to treat your student loan debt seriously. Unless it is forgiven under specific circumstances, student loan debt will haunt you until it is paid.

Work out a deal with your creditor early on if you can. Self-discipline is necessary to stick to your payment plan. Analyze your finances. More often than not, you can negotiate a workable schedule to keep up with monthly payments. The reward is worth it; no third parties calling about debt and no AR Resources entry on your report.

Medical bills are another headache. You may still be unwell when debt collectors contact you about late medical bills. Do your best to prevent a medical debt lawsuit.

To prevent AR Resources from contacting you about debt, make arrangements with your insurance to pay the bills to your original healthcare provider. Ask for help from a trusted loved one if you need to while recovering. They can help you contact the hospital and physicians you need to pay before the debt goes to collections.

Stop calls from AR Resources Inc.

Debt collection calls can be overwhelming. However, if you're dealing with health issues, it can add to your distress.

If AR Resources is contacting you about an honest debt, you can still avoid handling the calls directly. Make use of one of the following provisions:

  • Ask AR Resources to use only written communication.
  • Request that they deal directly with your attorney.
  • Send a cease and desist letter.

Request written communication

Phone calls disrupt your day and force you to address issues you are not mentally prepared to handle. On the other hand, letters allow you the luxury to read them when you are ready.

Another advantage of communicating with debt collectors in writing is that you can easily record every contact and transaction with AR Resources. These records are vital for ensuring the accuracy of debt and payment history.

Ask AR Resources to contact your attorney instead

If you have an attorney, let AR Resources know that you prefer that they call them instead. They are better equipped to deal with impromptu calls. Lawyers also know your rights off the top of their head, and therefore there are fewer chances debt collectors will make repeated or unwanted calls..

Send a cease and desist letter

You will eventually have to pay genuine, validated debts. However, that doesn't mean you should feel overwhelmed by constant calls from debt collectors. If you'd prefer to stop communication from AR Resources, you can request it in writing. Send the letter through certified mail to be sure they received it. If they continue to contact you after your request, you have the option to report the situation to the Fair Trade Commission, FTC.

Remember that a Cease and Desist does not take away the debt. It only saves you from debt collection calls and letters. AR Resources may still try other means to collect the money, like resorting to a lawsuit. But they would have to let you know first before they take action.

Know your rights as a consumer

The Fair Debt Collection Practices Act (FDCPA) protects you. It sets clear guidelines on how debt collectors can interact with you, ensuring that they do not use unfair or deceptive tactics. The federal government keeps improving these laws to shield consumers further.

Today, anyone reaching out to collect a debt must:

  • Identify themselves as debt collectors.
  • Identify the company they are calling for, give the address and phone number.
  • Identify the original creditor.
  • Prove that they are licensed to collect in your state.
  • Verify the debt in writing.
  • Validate every debt upon request.

Debt collectors cannot:

  • Verbally abuse you.
  • Try to embarrass you by exposing the debt to third parties.
  • Call you too early or too late in the day.
  • Give you false information.
  • Threaten a legal action they don't plan to take to scare you.
  • Call you multiple times in a day.
  • Garnish your wages unless by a court judgment in some states.
  • Collect expired debts.
  • Collect more money than you owe.

Any violation of these provisions can be reported to the Consumer Financial Protection Bureau (CFPB) or the Better Business Bureau (BBB).

If you want to, you can sue the company for the violations. If you win against them, they will pay your attorney's fee and damages of up to $1000 for each violation.

Respond to a debt lawsuit against AR Resources.

The first step in addressing your debt situation with AR Resources in court is to respond to the lawsuit. Most people who are sued by AR Resources don't know how to respond, or they would rather ignore the lawsuit in the hopes that it will go away. Don't make this mistake.

Use SoloSuit's Answer form to respond to your debt lawsuit in minutes and win.

Here are six tips for drafting a debt lawsuit Answer:

  1. Don't give an elaborate explanation of your side of the story—doing so can hurt your case. Instead of writing out your perspective of the case, stick to responding to the allegations or claims made against you in the Complaint documents. You can admit, deny, or deny due to a lack of knowledge. Keep in mind that failing to respond to any of the claims is considered the same as admitting it.
  2. Deny as many claims as possible—most attorneys advise consumers to deny as many of the claims as possible. Denying is kind of like saying, “Prove it.” This means that when you deny their claims, you're making AR Resources do more work to prove everything. If they don't have evidence to prove all their allegations against you, they may drop the case.
  3. Include your affirmative defenses—an affirmative defense is any legal reason that the AR Resources case is invalid. For example, if the statute of limitations on your debt has passed, you should definitely include this in your affirmative defenses section. The statute of limitations, which varies by state, is the period that a debt collector is given to sue someone for a debt.
  4. Use standard formatting—your Answer document should look clean and professional. It should be printed on white paper with standard margins, spacing, and font size. It should include a caption at the top where the following information is listed: defendant (you) information, plaintiff (AR Resources) information, court location, and case number.
  5. Include a certificate of service—at the end of the document, add a certificate of service that verifies the method of service and the addresses used for service.
  6. Sign the document—don't forget to sign your Answer! Most courts reject Answers without signatures, so you must remember this important step!

To learn more about these six tips, check out this video:

How to settle debt with AR Resources

Resolving a debt with AR Resources can help bring closure to the matter and prevent the stress of ongoing legal battles. Here's a simple guide to help you go through the process:

  1. How much income or savings do you have? What about your expenses? Determine how much you can afford to offer in a debt settlement. Make sure the amount you propose won't hinder your ability to cover necessary living costs.
  2. Reach out to AR Resources to express your intention to settle the debt using a method that can be tracked. The best one to use is in written form.
  3. Write a letter outlining your offer to settle a portion of the debt. Start with a lower offer than what you can afford to give yourself room to negotiate if your initial proposal is not accepted.
  4. If AR Resources counters your offer, be ready to negotiate. Focus on what is manageable for you, and remain calm and reasonable throughout the discussions.
  5. Once you come to a mutual understanding, ask AR Resources to provide a written agreement with all the vital details.
  6. Make the payment on time using a traceable method such as a certified check or bank transfer, ensuring you have proof of the transaction.

SoloSettle helps you manage the process by tracking your interactions and guiding you through each step. After reaching an agreement, the Solo team will handle the paperwork.

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