Is ARM Solutions, Inc. Calling You?* Here's what you need to know.
If you miss several payments for your credit cards, student loans, and other bills, the creditor will eventually turn the account over to a third-party debt collector. These agencies typically use all kinds of pressure tactics to get you to pay up, but stand firm. Harassing consumers is illegal, and if they go too far with you, you have recourse under the law.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act (FDCPA) allows debt collectors to legally contact you regarding a debt, but they are not allowed to pursue you to the point of harassment. Below is a sample of collection tactics that violate the FDCPA:
- Calling at unreasonable and inconvenient hours
- Calling someone at work if they know that the employer does not permit such calls
- Using obscene or profane language
- Contacting someone who has hired an attorney to represent them regarding the debt
- Threatening action they are not in a position to legally take, such as having someone arrested or jailed for nonpayment
- Discussing the debt with anyone except the consumer, their attorney, or their spouse
Company Profile: ARM Solutions, Inc.
ARM Solutions, Inc. is a debt collection agency located in Camarillo, California. It was established in 1973, has less than 10 employees, and is managed by its President, Brad Jadwin. A review of records kept at the PACER (Public Access to Court Electronic Records) website reveal that ARM Solutions, Inc. has been accused of violating the FDCPA during certain debt collection attempts.
Alleged Violations against ARM Solutions, Inc.
Jim Butler vs. ARM Solutions, Inc.*
According to PACER, ARM Solutions, Inc. sent Georgia resident Jim Butler a collection letter on September 15, 2011. Mr. Butler sent a return letter disputing the alleged debt and demanding that the agency cease and desist all communication regarding it. Despite receiving this letter, ARM Solutions, Inc. allegedly sent another collection letter. Mr. Butler also claimed that he never received a debt verification letter. He decided to hire a consumer attorney and sue the company for violating the FDCPA by contacting him after he sent a cease and desist letter.
The judgment in this matter later was fully satisfied.
Hire an Attorney
The phone numbers for ARM Solutions, Inc. are:
If the phone rings and you see either of these numbers on your caller ID, it means that a debt collector is attempting to reach you. If they persist in contacting you after you send a cease communications letter, hire a consumer attorney who can help you assert your rights in court. You could potentially win $1,000 per FDCPA violation as well as attorney's fees, court costs, and any actual damages. The law is on your side, so standing up to pushy debt collectors can literally pay off.
*Case taken from PACER (www.pacer.gov). File number is Case 1:12-cv-01142-WSD from the United States District Court, Northern District of Georgia, Atlanta 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 ARM Solutions, Inc. or any other third-party collection agency, you may not be entitled to any compensation.