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How to Settle Debt With ARC Collections

George Simons | January 31, 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: If ARC Collections is contacting you about a debt, you can ask them to validate. And if you've been sued for debt, you should respond to the lawsuit with a written Answer to block a default judgment, then reach out to ARC to discuss your payment options and negotiate to lower the amount. Solo can help you with all this and more.

Accounts Receivable Consultants (ARC) is a legitimate debt collection agency that tries to be different from other debt collection agencies by offering superior services.

ARC has been in business for over 20 years and strives to collect from debtors with delinquent or discharged accounts.The table below gives you their contact information.

Settle debt with ARC Collections

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

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What is ARC Collections?

ARC Collections is a legit debt collection company based in Wisconsin that has been in business for decades.

ARC Collections Contact Information:

Who does ARC Collections collect for?

ARC Collections specializes in the collection of medical debt on behalf of hospitals and other health-related organizations.

Read ARC Collection reviews online

If you are curious to know what people have said about their interactions with ARC Collections on different debt collection matters, then take a moment to read these reviews:

Objectively speaking, the online reviews of ARC Collections are not all glowing and positive. Despite the mixed reviews, this should not deter you from taking proactive steps to engage with ARC Collections in an effort to resolve your debt collection issue. You may be surprised to learn that many debt collectors, including ARC Collections, are open to working with individuals to resolve a debt issue.

Use these methods when ARC Collection initially contacts you

ARC is often compensated on a contingency basis, meaning they get paid based on the amount they can collect from a debtor. This agreement explains why they aggressively collect their debt. Do not be intimidated when they contact you; follow these steps:

  1. Request everything in writing: A call may miss some vital information, and you need evidence in case of a mistake.
  2. Send a Debt Validation Letter: This document requests the debt details to determine whether it is yours and its accuracy.
  3. Dispute the debt when you find discrepancies: If your records and the debt information are different, dispute with the three credit bureaus.
  4. Request more information on the discrepancies: If they have not entered the debt in your credit report, ask them to send more information about the doubtful sections.
  5. Negotiate for a lower amount and plan to pay: Once you confirm the debt is rightfully yours, negotiate to pay a lower amount. At this point, a creditor is happy to get part of the money back.
  6. Request for a pay-for-delete agreement: Ask ARC to remove the debt on your credit report once you pay part or the entire debt.

ARC has a right to ask for their client's money. If you ignore or deceive them, you may receive a lawsuit with other allegations apart from demanding their money.

Negotiating a debt settlement with ARC Collections

If you know the debt is yours and will need to be repaid, then you can take proactive steps to try and negotiate a debt settlement. ARC Collections may be amenable to a settlement for a lesser amount than what is actually owed. ARC Collections may also agree not to report your account to credit bureaus once you pay the settlement. The debt settlement process can be as simple as these four steps:

  1. Make sure to respond to any pending debt collection lawsuit filed by ARC Collections and ensure the response is timely (review the Summons and Complaint to get the necessary info on the response deadline).
  2. Assess what you can afford to pay toward the amount owed. This calculation should take your living expenses into account, along with any other debts and the availability of funds you could use to make a lump sum payment toward the debt.
  3. Send your settlement offer to ARC. It is recommended to send the offer via a settlement letter.
  4. Be ready to engage in a back-and-forth negotiations process.
  5. If you have success and can reach a debt settlement agreement, then get the terms and provisions in writing.

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process.

How to respond to ARC after they sue you?

Unfortunately, these scenarios happen far too often. Dealing with debt collectors becomes emotionally exhausting, so you start ignoring their calls. ARC then decides to sue you for the alleged balance, but you ignore the Summons and Complaint you receive after the suit is filed. Since there was no response within the allotted time frame, the debt collector files a motion to ask for a Summary Judgement. A judge is likely to grant the judgment, given the lack of response on your part. Then you may find yourself facing wage garnishments, liens against your property, or other consequences that could have been avoided by filing a timely Answer.

Debt collection agencies sue consumers who refuse to comply with their attempts to collect their debt. The first instinct of a consumer is to panic and often make regrettable financial and legal mistakes. You can still deal with ARC collections by doing the following:

  • Send SoloSuit's Answer: You have 14–30 days to respond to a lawsuit, or else ARC will receive a default judgment. Respond by sending an Answer which denies or admits the allegation. You can also raise any defenses against the claim.
  • Send a motion to compel arbitration: If your credit card contract has an arbitration clause, send this document to force ARC to settle the debt out of court.
  • Prepare for court: If you believe you have a strong case and want your day in court, prepare thoroughly for court.
  • Gather your evidence: Collect any receipts, past communications with ARC, the Debt Validation Letter you sent to ARC, and the debt verification notice they responded with. Highlight the key points that will benefit your case.
  • Go to court and argue your case: Do not respond in the affirmative to any allegations ARC makes. Think through every question they ask and respond briefly.
  • Settle the debt for less: No matter where you find yourself in the debt lawsuit process, you can always reach out to the creditor or debt collector suing you to discuss a settlement.

Watch this video for tips on how to draft and file an Answer to your debt lawsuit:

Solo’s software ensures that consumers can effectively handle their debt situation without incurring unnecessary legal costs. Our documents are professionally drafted and contain all the details to ensure they stand in court. Explore our legal documents and beat ARC collections.

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