Are You Being Called By Account Resolution Services?*

Collection agencies inspire more complaints to the Federal Trade Commission than any other business. This is because so many of them use aggressive and even illegal methods to collect money from consumers. If you are harassed via phone and mail by unscrupulous debt collectors, you can make it stop.

Is Account Resolution Services Legit?

Yes, Account Resolution Services (ARS) is a legitimate business. ARS was incorporated on December 1st, 1979 and created their Better Business Bureau (BBB) profile in 1996. Additionally, BBB records show a license number of CCA0900844 for this business, issued by Florida Office of Financial Regulation. According to its website, Account Resolution Services. is “a division of Healthcare Revenue Recovery Group (HRRG).” The D&B notes that ARS is managed by key principal David Friedlander, and Buzzfile estimates an annual revenue of $91,721 with an employee base of two.

ARS uses at least 20 alternate business names, including:

ARS Accounting Resolution; Emergency Physician Northern VA Community Hospital; Emergency Physician Palms; Emergency Physician West Boca; Emergency Physicians Ft. Walton; Emergency Physicians Health Central; Emergency Physicians Palmetto; Emergency Professional Services, Inc.; EMSA South Broward, Inc.; HCFS Healthcare Financial Services, LLC; Healthcare Revenue Recovery Group, LLC; HRRG, LLC; Inphynet Hospital Services; Inphynet South Broward, Inc; Paragon; Paragon Contracting Services, LLC; Paragon Contracting SRV, LLC; Plantation Billing Center; Southwest Florida Emergency Management, Inc.; and Sunrise Billing Center Team Health.

Who Does Account Resolution Services Collect For?

Account Resolution Services specializes in healthcare recovery management. Though the company does not provide additional detail on who they specifically collect for, you can assume that if you are being contacted by Account Resolution Services, they are alleging you owe a healthcare related fee.

• The Account Resolution Services website allows visitors to “Make a Payment”, “View Notices” “Contact” the company, and ask any “FAQ”.
• The payment tab permits website visitors to pay off alleged debt through an online portal
• The notices tab provides a link for requesting all collection letters sent within the previous year
• The contact page provides telephone numbers, mailing addresses, and hours of operation for those seeking to get in touch with the collections company
• The FAQs page tells site visitors how to make online payments; how to locate their account numbers on collection notices; how to request that ARS stop making phone calls; and provides information about the three national credit reporting agencies.

ARS does provide a legal disclaimer noting that, “[t]his is an attempt to collect a debt and any information obtained shall be used for that purpose, [t]his communication is from a debt collector”. However, there is no information provided on the ARS website, permitting debtors to learn more about the company’s compliance practices, policies, or guide them to consumer resources regarding protective laws or enforcement agencies.

How Many Complaints Are There Against Account Resolution Services?

The BBB notes that Account Resolution Services has 434 complaints closed in the last 3 years, 194 of which were closed in the last 12 months. ARS also has an F rating on the BBB, and 13 posted customer reviews, which are largely 1 star reviews. The majority of the complaints posted on ARS’ BBB page allege that the debt ARS is attempting to collect on is fraudulent, or that the consumers are not liable for the debt alleged.

Additionally, since May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 68 complaints against ARS, all of them attributed to HFCS. Justia lists at least 9 cases of civil litigation involving ARS.

Account Resolution Services Contact information

Account Resolution Services, LLC
Address: P.O. Box 459079, Sunrise, FL 33345-9079
Telephone: (844) 729-2772
Website: https://www.arspayment.com

Can Account Resolution Services Sue Me Or Garnish My Wages?

Yes. Account Resolution Services can sue you or garnish your wages, but they may not do so without a legitimate reason. If their claim against you is illegitimate, their actions are illegal as they are violating consumer protection laws. Though this practice is illegal, debt collectors are known to take advantage of consumers, summoning them to court and garnishing their wages, even without a legitimate claim to do so. Given the inherent risks involved, the wisest decision as a consumer or alleged debtor would be to acquire legal help to assist with resolving your case.

Can I Sue Account Resolution Services For Harassment?

Yes. You can sue and you should sue in order to enforce your rights and protect your assets. Consumers who have been harmed by harmful collections practices can sue to recover money as compensation. Moreover, the Fair Debt Collections Practices Act (FDCPA) protects consumers like you, awarding damages of up to $1,000, plus attorney fees and court costs to victims of wrongful collections practices. These laws are meant to protect consumers like you, take action and utilize the FDCPA by contacting an attorney if you are at risk.

How Often Can Account Resolution Services Call?

The government has enacted laws that serve to protect consumers from repetitive phone calls from debt collectors. In November 2021, the CFPB’s Debt Collection Rule clarified that a debt collector is presumed to have violated the law if they place a telephone call to you about a particular debt:

• More than seven times within a seven-day period, or
• Within seven days after engaging in a telephone conversation with you about the particular debt.

How To Stop Account Resolution Services Calls?

You can stop ARS from calling by filing a complaint and obtaining assistance from an attorney. Moreover, The Fair Debt Collections Practices Act (FDCPA) protects consumers from improper collections practices, such as using abusive or threatening language, harassment, or false or misleading information to collect a debt. Consumers are also protected under the FCRA and the Telephone Consumer Protection Act (TCPA), as well as the Consumer Financial Protection Act (CFPA). You may have a case if..

• You are receiving multiple calls per week from third party collection agencies.
• You are receiving early morning or late night calls from debt collectors
• You are receiving calls at work from a debt collection agency
• Debt collectors are calling your family, friends, neighbors, or coworkers
• Collectors are threatening you with violence, lawsuit, or arrest
• A debt collector attempts to collect more than you owe
• You are being threatened with negative credit reporting
• A debt collector attempts to intimidate you
• Criminal accusations are being made towards you
• Use of obscene language during an attempt to collect
• Automated robocalls are being made to your phone in an attempt to collect

Does Account Resolution Services Hurt My Credit Score?

Yes, but it does not have to. Even if ARS has contacted you about an alleged debt and reported it to a credit bureau, you can still remove it from your credit report. In order to do so you must obtain assistance from an attorney.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to protect indebted consumers from abusive debt collection methods. Any collection agency that uses unethical tactics like the following can potentially have their license revoked or be fined thousands of dollars.

• Using profane and obscene language
• Threatening action they cannot legally take or have no intention of taking
• Calling before 8:00 a.m. and after 9:00 p.m. in your time zone
• Disguising the fact that they are debt collectors trying to collect a debt
• Contacting you after you have formally requested that all communications cease
• Reporting false information to the credit bureaus

Additional Resources

• Have Your FDCPA Rights Been Violated?
• What Are Damages in an FDCPA Claim?

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against Phoenix Financial Services or any other third-party collection agency, you may not be entitled to any compensation.