Is Account Receivable Solutions, Inc. Calling?*

There are a few things you may want to know if you’re getting calls from Account Receivable Solutions, Inc.

If your life is being interrupted on a daily basis by rude and demanding debt collectors, you may be tempted to do anything to make the harassment stop, even declare bankruptcy Before opting for such a consequential solution, make sure that you first investigate your rights as an indebted consumer.

Your Rights Under the FDCPA

Not all debt collectors behave illegally, but enough of them are so aggressive and persistent that the Federal Trade Commission receives hundreds of complaints every year.

The Fair Debt Collection Practices Act (FDCPA) makes it illegal to use tactics like those below to collect a debt, so any agency that violates the law risks serious sanctions.

• Calling you outside of the hours of 8:00 a.m. – 9:00 p.m. in your time zone
• Using profane and obscene language
• Failing or refusing to report a debt as disputed to the credit bureaus
• Telling your friends, neighbors, and co-workers that you owe money
• Contacting you after you have formally requested that all communications cease
• Threatening legal actions they cannot take or have no intention of taking

Company Profile: Account Receivable Solutions, Inc.

Account Receivable Solutions, Inc. is a debt collection company located in Saint Johns, Michigan. It was established in 1999, has an estimated 26 employees, and is managed by its President, David Mageli. According to its website, the agency is a member of the Association of Credit and Collection Professionals.

Litigation records on file at the PACER (Public Access to Court Electronic Records) website reveal that consumers who believed they were being harassed by Account Receivable Solutions, Inc. responded to litigation threats by filing lawsuits of their own.

Alleged Violations by Account Receivable Solutions, Inc.

Matthew Hitsman vs. Account Receivable Solutions, Inc. **

According to PACER, on or about March 9, 2010 Michigan resident Matthew Hitsman received a call from Account Receivable Solutions, Inc. regarding a medical debt he refused to pay.

The debt collector had allegedly placed a call to the consumer’s mother, which resulted in a message that disclosed the existence of the debt to a third party. He did not reside with his mother and had never requested that the agency use her number to contact him.

Feeling harassed by Account Receivable Solutions, Inc.,Mr. Hitsman hired a consumer attorney and sued the company for allegedly violating the FDCPA in the following ways:

• Disclosing information about the debt to uninvolved third parties
• Using abusive and harassing means to collect a debt
• Using unfair and unconscionable means to collect a debt

Hire an Attorney

The phone numbers for this debt collection agency are:

• 1-989-227-2697
• 1-989-227-8810
• 1-877-385-5729

If any of these numbers appear on your caller ID at any time, it means that you are being called by Account Receivable Solutions, Inc.. If they disclose their debt to third parties, either directly or via voicemail, hire a consumer attorney.

If you file a claim against Account Receivable Solutions, Inc. and the court rules in your favor, you could win statutory damages of $1,000 per FDCPA violation plus court costs and attorney fees.

When debt collectors become too zealous about getting your money, the court could force them to show restraint in the future.

**Case taken from PACER (www.pacer.gov). File number is Case 1:10-cv-00261-PLM from the United States District Court for the Western District of Michigan, Southern Division.

*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 Account Receivable Solutions, Inc., or any other third-party collection agency, you may not be entitled to any compensation.