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Is A.R.M. Solutions a scam? Here’s how to respond.

Sarah Edwards | October 31, 2023

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: RSI Enterprises is not a scam, but rather a legit debt collection agency that may contact you if you owe someone a debt. Luckily, laws protect you, and you can request a debt validation to cease communications with RSI Enterprises. If your debt is valid, debt settlement might be your next best option.

Summary: A.R.M. Solutions is a debt collection company that serves multiple industries. If you’ve been contacted regarding a debt collection lawsuit, use SoloSuit to draft and file and Answer. Once you verify your debt, you can use SoloSettle to negotiate a lower payment to resolve your debt quickly and easily.

You’d never heard of A.R.M. Solutions until you started getting calls about unpaid debt. Now, debt collectors are threatening you with a lawsuit if you don’t pay up. How do you know you’re not being scammed? This guide will help you verify the source of your debt, then devise a plan to settle your debt for a reduced amount.

What is A.R.M. Solutions?

According to its website, A.R.M. Solutions is a debt collection company that focuses on “diplomatic debt recovery.” This means its debt collection practices are designed to retain relationships between debtor and creditor.

If you’ve been contacted by this company, it’s likely because A.R.M. is seeking to collect on an unpaid debt on behalf of one of its clients.

Who does A.R.M. Solutions collect for?

A.R.M. Solutions partners with a wide range of organizations in the commercial, medical, waste management, propane and fuel, media subscription, and insurance industries. Since so many types of companies work with this company, it’s important for you to ask A.R.M. to identify your original creditor.

Is A.R.M. Solutions a legitimate company?

Yes, A.R.M. Solutions is a legitimate debt collection company. Its website boasts of many industry awards, and A.R.M. is accredited by the Better Business Bureau (BBB) with an A+ rating.

However, even with its high BBB rating, the Consumer Financial Protection Bureau reports many complaints against A.R.M. Solutions. Many of these complaints claim that the debt is not legitimate, so make sure to verify your debt before proceeding.

How to respond to A.R.M. Solutions

What should you do if contacted by A.R.M. Solutions? Collection agency representatives often use high-pressure tactics to collect on debts. Don’t give in to this pressure. Instead, respond to initial inquiries through the following steps.

Report violations of the FDCPA

Consumers are protected from aggressive or misleading debt collection practices thanks to a federal law known as the Fair Debt Collection Practices Act (FDCPA). This act bars debt collectors from such activities as:

  • Calling you outside normal business hours (8 a.m. to 9 p.m.).
  • Calling you multiple times per day.
  • Failing to identify themselves as debt collectors.
  • Threatening to arrest you for unpaid debt.
  • Using vulgar or offensive language.
  • Speaking to your friends, coworkers, or family members about your debt.
  • Declining to validate your debt.
  • Continuing to contact you after receiving a Cease and Desist Letter.

Document any violations and report the company to the Federal Trade Commission (FTC) using the FTC website or by calling 877-382-4357. You may also report them to the Consumer Financial Protection Bureau through the CFPB’s website or by calling 855-411-2372.

File an Answer to a debt collection lawsuit against ARM Solutions

Never ignore a debt collection lawsuit — even if you don’t believe the debt is legitimate. Instead, file an Answer with the court to communicate your willingness to fight. SoloSuit helps you complete an Answer quickly, and we can even file it with the court on your behalf.

Don’t delay. In many locations, you have as little as two weeks to file an Answer; otherwise, the court may render a default judgment in favor of A.R.M. Solutions. You’ll lose your chance to negotiate a lower settlement, and the court can also award A.R.M. with legal fees or debt collection costs.

Let’s look at an example.

Example: Anthony had never been sued before, so when he received notice from A.R.M. Solutions, he wasn’t sure what to do. Fortunately, a friend told him about SoloSuit. Soon enough, Anthony was able to use SoloSuit to draft an Answer, then had SoloSuit file it on his behalf. This gave Anthony time to verify his debt, then make plans to negotiate a lower settlement. And because he acted quickly, Anthony avoided a default judgment.


Not sure how to answer a Summons? Watch this informative video to learn more:

Verify your debt with ARM Solutions

One of the most important steps is to verify your debt. Request that A.R.M. Solutions prove the debt is yours through a Debt Validation Letter. This letter should connect you to the debt by:

  • Naming the original creditor.
  • Documenting the original debt amount.
  • Recording your payment history (if applicable).
  • Calculating the debt remaining.
  • Providing evidence that shows you’re responsible for the debt.

Some debt collectors may try to pressure you to make a good-faith payment. Never agree to pay anything until you verify the debt.

SoloSuit can help validate and verify your debt with ARM Solutions.

Settle your debt for less

If A.R.M. Solutions can’t prove that the debt is yours, the company may back off entirely — or, you may stand a chance of winning in court. But if the debt is legitimate, your best option is to settle your debt for a lower amount. In most cases, debt collectors are willing to accept a lower settlement rather than endure a lengthy legal process.

If you use SoloSettle, you can negotiate a lower settlement without having to interact directly with A.R.M. Start by agreeing to pay 60%, then be prepared to accept or reject a counteroffer. The goal is to arrive at a solution that works for both you and A.R.M. Solutions. Payment is only due once you reach a settlement.

Stop dealing directly with collectors and negotiate using SoloSettle today.

Get over your debt and get back to life

Debt collectors can make you feel like you have to put life on hold while you straighten things out. Isn’t it better to resolve debt quickly? Push back when you’re confronted with a lawsuit. Assert yourself by negotiating a lower settlement amount. With SoloSettle, you can resolve your debt for less and get back to your life.

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