How to Beat ARSC Debt Collectors

Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by 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.

When you beat ARSC debt collectors ^^

Summary: ARSC is a debt collection agency that may call you multiple times to ask about a debt you owe. Do not cave to their demands without a fight. SoloSuit will give you ways to respond to them and either stop their calls or win your case in court.

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 aggressively pushes consumers to pay a debt that is sometimes 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 beat ARSC debt collectors.

What is ARSC, and how does it work?

Apple Recovery Services Corp (ARSC) is a genuine debt collection agency that has been in business for less than five years. It started on 9/11/2019 and is under the leadership of Brian Cohen. 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 tiny fraction of the original amount and collect it as their own.

Below is ARSC’s contact information:

Address: PO Box 9002, Oak Brook, IL 60522-9002
Website: Apple Recovery
Phone: (888) 675-9760
Email: info@applerecovery.net

Complaints against ARSC

ARSC currently has 24 complaints on its Better Business Bureau profile and 41 complaints on the CFPB database. These complaints range from being contacted for the wrong debt, talking to rude agents, refusing to validate the debt and persistent calls.

Here is an example from a real complaint from ARSC’s BBB profile:

“I received a letter dated 6/30/2022 from ARSC requesting that I pay them $6,494.38 for Creditor: Citibank Classic Card ID Number: ****** Account Number: **************** Balance: $6,494.38 It has been over twenty years since I have even been inside a Citibank and for the few months I was a Citibank customer I do not recall ever having a Citibank Classic Card. I also noted that in this letter from ARSC, they did not give any more information about this account besides what I stated above.”

Submitting a report about a negative experience you had with ARSC ensures they take responsibility and correct their mistakes. If not, you can take further action, especially if you know your consumer rights.

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.

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:

Answer each claims listed in the Complaint.
Assert your affirmative defenses.
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 SoloSuit.

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 receives 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.

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

Settle with SoloSettle

Make an Offer

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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