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How To Remove Account Resolution Services (ARS) From Your Credit Report

How To Remove Jefferson Capital Systems From Your Credit Report

I’m glad you found this post. We can help you get ARS Account Resolution Services off your case and off your credit history.

You will have some work to do — some letters to write and some negotiation tactics to learn. But your hard work and tenacity should pay off. Your credit score should improve once you get ARS, or any other debt collector, out of the way.

Read on to learn just what Account Resolution Services does and how to deal with the collection agency and repair your credit score.

Table of Contents:

  • What is ARS on My Credit Report?
  • How Does ARS Work?
  • Steps to Remove ARS From Your Credit Report
  • Dealing with Account Resolution Services
  • Account Resolution Services FAQs
  • How To Contact Account Resolution Services, LLC

What Is ARS on My Credit Report?

Account Resolution Services, LLC, is a third-party debt collection agency. ARS buys old debts from other creditors, primarily hospitals and medical clinics. ARS pays lower than face value for the debt and then collects on the accounts to make money.

Account Resolution Services may also show up on your credit report as ARS. It’s also possible ARS could list the business name of the original creditor on your credit report.

Compared to other collection agencies, ARS is small and lesser-known, but the agency is just as persistent as other debt collectors and you should take the debt seriously.

ARS is based in Sunrise, Fla., and it’s a subsidiary of Healthcare Revenue Recovery Group, LLC (HRRG, LLC).

How Does Account Resolution Services Work?

Account Resolution Services makes money by buying old debt from hospitals. If you owed your local hospital money and couldn’t pay, it’s possible the hospital’s billing department sold your debt to ARS.

ARS would have paid only a fraction of the face value of your old debt. If you owed the hospital $10,000, ARS may have paid $800, for example.

If ARS can get you to pay even half your original bill of $10,000, it would clear thousands of dollars from the transaction.

So this agency is motivated to make you pay. It got your contact information from the hospital, and it’s not afraid to use it. As you’ve probably already noticed, ARS may call, text, email, or send you letters.

How to Remove Account Resolution Services from Your Credit Report

If ARS claims you owe money, there are more negative repercussions than your phone blowing up.

A collections agency account can wreak havoc on your credit score. You’ll have more trouble getting approved for loans at a decent interest rate for years if you don’t take action to remove ARS from your credit history asap.

Fortunately, removing a debt collection agency from your credit report is possible, whether or not you owe the money.

  1. Send ARS a Debt Validation Letter
  2. Negotiate to Pay Part of Your Debt
  3. Use a Professional Credit Repair Company

1. Send ARS a Debt Validation Letter

The Fair Debt Collection Practices Act requires debt collection agencies to prove you owe money — if you ask for this validation within the first 30 days.

Sometimes, collection agencies don’t have substantial documentation from the company they purchased your debt from. In other cases, you may have been assigned the debt in error.

A basic validation letter can clear things up, and it could lead to the cancellation of your debt and removal of it from your credit report.

The key to this strategy is submitting the letter within 30 days of first hearing from ARS. If it’s been longer than a month, you no longer have this particular consumer right in your back pocket.

But all is not lost. Read on for additional strategies.

2. Negotiate a Payment to Remove the Collection from Your Report

If your debt is legit and step 1 doesn’t work, it’s time to negotiate with ARS.

Collection agencies bought your debt for a lot less than you actually owe. Since any amount you pay will pad the agency’s bottom line, you can use this to your advantage. Offer to pay a third of what you owe for starters.

ARS may refuse, but it will probably counter offer. You could wind up paying only about half of what you originally owed and still settle the debt.

Whatever number you decide on, make removing ARS from your credit report with all three credit bureaus part of the deal. Agree to pay the cash in exchange for getting all the negative items removed from your credit history.

Negotiating in writing and get your agreement in writing before paying a penny. Otherwise, if you make an agreement over the phone and then pay right away, ARS can later forget its promise to remove the collection account from your credit history.

After you’ve gotten a written agreement, you can make your payments to ARS by reaching out to one of its agents or using the agency website’s online payment portal at

If your settlement of the account is not reflected on your credit report after 30 days, you should write another letter to ensure ARS is upholding its end of the agreement. Use your written agreement as proof of the deal.

3. Use a Professional Credit Repair Company to Deal with ARS

If you dread the thought of writing debt validation letters and negotiating payments with debt collection representatives, you have another option.

Credit repair companies make disputing debts, negotiating with creditors, and fixing your credit score a breeze.

They’re also likely to get results more quickly than you could on your own.

If you missed a medical bill somewhere along the line, your medical debt doesn’t have to destroy your credit score for the next decade.

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With the steps above and a reliable credit repair company ready to go to bat for you, you can put an end to Account Resolution Services’ calls and their presence on your credit report.

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How to Deal with Account Resolution Services

ARS has amassed hundreds of complaints filed with the Better Business Bureau and the Consumer Financial Protection Bureau. The BBB has also given the agency an “F” rating.

Several of the complaints say the company failed to respond to debt validation requests. Other complaints cite faulty reporting.

The Fair Debt Collection Practices Act protects consumers from the issues above, along with disrespectful practices like calling you outside of business hours.

It’s important to make ARS aware you know your consumer rights under the FDCPA and to document all of your interactions in writing.

Letters reduce the risk of a miscommunication between you and the agency and help protect you from legal action.

This should stop the collection agency from harassing you over the phone, too.

Very few collections agencies will break the law when they know you’re paying attention. What they will do is imply negative consequences in hopes that your fear will prompt payments.

As you sift through these insinuations keep in mind what ARS can and can’t actually do:

What ARS Collections Can Legally Do

ARS can contact you using the contact information they got from your original medical debt records. If you have a work number on file at the hospital, expect to get a phone call on that number.

ARS can call you on any number they have unless you ask them to stop. The FDCPA gives you the right to make this request and requires ARS to follow your wishes.

ARS can send you letters in sealed envelopes (no postcards). The company can also take legal action against you, and a judge could garnish your wages to compensate ARS.

However, the agency couldn’t garnish your Social Security income, your disability or military benefits, or your disaster relief assistance.

If you deal with ARS right away you can avoid any possibility of a wage garnishment.

What ARS Cannot Legally Do

ARS Collections does not have a legal right to threaten you with a lawsuit or threaten to incarcerate or abuse you in any way. This kind of behavior qualifies as harassment.

Agents from ARS cannot abuse you verbally or contact your family, friends, or employer about your debt.

ARS also can’t misidentify itself as a law firm, a law enforcement official, or a government agent. The debt collector can’t prosecute you in the criminal justice system. Your debt is a civil matter.

ARS can’t give the credit bureaus false information about your accounts.

Best Practices for Dealing with ARS

We recommend the following best practices as you deal with ARS Collections:

  • Write checks: They’re old school, but they provide a built-in paper trail. If you don’t have checks, you can get a money order at a grocery store or the local post office. Be sure to keep your copy. If you do pay online, make sure it’s only after you’ve received a written agreement from ARS.
  • Negotiate Down: As we said above, ARS wants to make money. If you can pay half of what you owe, propose this as a solution to your debt. Be sure you make your payment contingent upon ARS removing negative items from all three credit reporting bureaus.
  • Give Simple Answers: You don’t have to explain yourself to a debt collector. If you can’t afford to make the requested payment, just say so. There’s no need to justify your personal financial situation to anyone.
  • Don’t Make It Worse: For some consumers, a single phone call from ARS or another debt collection agency instills panic. They want the account resolved at any cost. They may transfer the debt onto a high-interest credit card or make another bad financial decision just to make the debt go away. Avoid this temptation.

Account Resolution Services FAQs

These frequently asked questions relate to ARS and just about any other debt collection agency.

Can ARS sue me?

Yes, Account Resolution Services can sue you in a civil court. For smaller accounts, the cost of going to court would outweigh the profit from collecting on your account, so very few cases go before a judge.

Each state sets a statute of limitations on medical debt. If your debt falls outside your state’s statute, ARS could still sue you but a judge would dismiss the case.

Can the Consumer Financial Protection Bureau help?

Yes, the CFPB exists to enforce laws such as the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. You can complain to the CFPB if you think Account Resolution Services violates either of these laws.

Will ARS report to all three credit bureaus?

Yes, ARS reports to TransUnion, Experian, and Equifax. Collectively, these bureaus affect your FICO score which most lenders — especially mortgage lenders — consult when you apply for a loan.

Can ARS put a lien on my house?

It’s possible but unlikely. ARS would first have to win a civil case against you and then, if you failed to pay the court settlement, ask a judge to put a lien on your home.

Do debt collectors have Covid relief?

Like the entire financial services sector, debt collection agencies have been affected by the Covid-19 pandemic. However, ARS Account Resolution Services deals with clients on a one-on-one basis and has not set up company-wide Covid relief programs.

Is Account Resolution Services a scam?

No, ARS is a legitimate debt collector specializing in medical debt. If you’re hearing from ARS, the problem won’t go away on its own. Take action right away.

How to Contact ARS

  • Mailing Address: 1643 NW 136th Ave., Sunrise, FL 33323
  • Website:
  • Phone Number: (844) 729-2772

Getting the Pros to Help

Getting ARS off your credit history will take a month or more. It’ll probably take a few trips to the post office. If you don’t have a printer at home, you’ll need to find another way to print letters to mail.

The point is: You’ll have some hurdles to jump through to make this happen.

If you’d rather spend your time doing other things, consider hiring a professional credit repair company such as Lexington Law or Credit Saint. Personally, we recommend Credit Saint.

These experts won’t do anything you couldn’t do yourself. They’ll send letters and follow up just like you would. But they’ll get the work done more quickly and efficiently in exchange for a monthly payment of $80 to $120 for the next several months.

For some people, it’s worth the money to hire an expert and get out of the way. Others don’t want to part with the cash and would rather get their own hands dirty. Either way can net the same results.

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