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How to Negotiate with ARSC Debt Collectors

George Simons | January 17, 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: ARSC, a newer debt collection agency, works with consumers to resolve outstanding debts. To settle debt with ARSC, ask them to validate the alleged debt and explore settlement options.

Debt collectors know the buttons to push to cause consumers to panic or constantly live in fear of dire financial consequences. ARSC is no exception. It is a relatively new collection agency that persistently contacts consumers, asking them to pay off a debt. Sometimes, the debt is not theirs, or the debt information is inaccurate.

When ARSC calls you about a debt, it is vital to ask them to verify it is yours by sending a debt validation letter. This letter requires them to give you the original creditor's name and a breakdown of the money they claim you owe. In addition to sending a debt validation letter, this article will discuss other ways to resolve debt with ARSC debt collectors.

Settle debt with ARSC

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

Settle with SoloSettle

What is ARSC?

ARSC stands for Apple Recovery Services Corp. ARSC is a genuine debt collection agency that has been in business for less than five years. The agency started on 9/11/2019 and is under the leadership of Brian Cohen.

Below is ARSC’s contact information:

Who does ARSC collect for?

ARSC provides various services, including:

  • Auto loan recovery
  • Retail recovery
  • Service recovery
  • Settlement negotiation
  • Hardship settlement
  • Debt management
  • It management

Typically, companies contact ARSC when they have an overdue account and pay them to collect either the whole or part of the outstanding debt. They also buy old debt for a fraction of the original amount and collect it as their own.

Read ARSC reviews online

If you are interested to learn what other people have said about their experience with ARSC on a debt collection matter, then take a moment to read these reviews:

Despite ARSC’s online reviews being pretty mixed, this should not deter you from taking steps to engage with them in an effort to resolve the debt collection matter. Many debt collectors, including ARSC, are open to working with individuals to resolve their concerns and get their debt paid in a manner that works for them, based on their current financial situation. Proactive communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Exercise your rights when ARSC Contacts you

The Fair Debt Collection Practices Act (FDCPA) effectively safeguards consumers against fraud and bad business practices from collection agencies. The guidelines control how far ARSC can go while collecting a debt. The Act states that ARSC should not:

  • Fail to respond to a Debt Validation Letter
  • Call you many times about the same debt
  • Threaten to call the police to arrest you
  • Threaten to confiscate your vital documents
  • Talk rudely or use obscene language
  • Enter an incorrect debt on your credit report

In addition to submitting a complaint in ARSC’s BBB profile and CFPB database, you can also report them to the Fair Trade Commission online platform and your state’s attorney general's office.

Follow these steps to respond to ARSC lawsuit

A lawsuit can worsen an already bad financial situation because of the risk it holds if ARSC receives a judgment in its favor. That outcome doesn't need to happen if you take the following steps:

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer in court, and send a copy to ARSC Debt Collectors.

Below, we break down each step in detail. Alternatively, you can watch this video to learn more about each step:

1. Answer each claim listed in the Complaint

When you get sued, you usually receive two court documents to begin the lawsuit: the Summons and Complaint. The Summons notifies you of the case and its details, while the Complaint (also known as a Petition in some states) lists the specific claims that are being made against you.

The first section of your Answer should focus on answering each claim listed in the Complaint document. Find the list of allegations and respond to each one in corresponding order. You have three ways to respond to each claim listed:

  • Admit: You agree to the allegation ARSC has stated about you.
  • Deny: You want ARSC to prove that what they claim about you is true.
  • Deny due to lack of knowledge: You cannot state a definitive answer because you do not have enough information.

To have a better chance of winning, do not admit to all the claims—give ARSC the task of proving their case with evidence. They may withdraw the case or give you a settlement offer if they do not have sufficient evidence.

Draft your own Answer in minutes online.

2. Assert your affirmative defenses

After addressing the allegations, the next section of your Answer allows you to state why you are not responsible for the debt. You must state your defenses clearly and ensure you have evidence to prove your point. Some affirmative defenses you can use are:

  • The debt information is inaccurate.
  • The debt is not yours.
  • The debt expired.
  • ARSC has not proven they are liable for the debt.
  • ARSC violated your consumer rights.
  • The debt is past the statute of limitations.

Writing affirmative defenses can be a challenge for consumers. That's why Solosuit has an already drafted Answer document that will take approximately 15 minutes to customize to your needs.

Make the right affirmative defense with Solo.

3. File the Answer in court, and send a copy to ARSC Debt Collectors

Every state has a deadline for filing an Answer with the court. Ensure you check and send the Answer before your state’s deadline is up, otherwise you’ll run the risk of losing automatically.

After you complete the Answer document, make three copies. Use certified mail to send one copy to the court, send another copy to the ARSC lawyer and keep the last copy in your records.

Note that some courts have specific filing instructions for legal documents. Some don’t accept Answers in the mail. Others only accept electronic filing. SoloSuit has done the heavy lifting to figure out each court’s filing requirements for you.

File your Answer with the court in all 50 states.

Now, let's look at an example of how using these three steps can increase your chances of winning your case against ARSC.

Example: Kelly is being sued by Apple Recovery Services Corp. She uses SoloSuit to respond to the lawsuit with a written Answer. In her Answer document, Kelly denies the majority of the claims listed in the Complaint and includes a section for her defenses. She uses the expired statute of limitations on debt as one of her affirmative defenses. Then, SoloSuit files the Answer for Kelly after having an attorney review the documents. A few months later, Kelly finds out that ARSC has dismissed the case.


Settle your debt with ARSC Debt Collectors

Did you know you can negotiate for debt settlement with ARSC even after they sue you? But first, you must respond to the lawsuit with an Answer. This will protect you from any potential judgments and buy you time to work out a settlement arrangement.

Once you've filed your Answer, use SoloSettle to send and receive settlement offers. A settlement offer asks ARSC to accept a lower amount of the original debt with the promise that you'll pay the whole amount at once or in several installments.

Settle with SoloSettle

Make an Offer

To learn more about how to settle a debt with SoloSettle, check out this video:

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