topic Re: Confused ARS account resolution services help in Rebuilding Your Credit

Confused ARS account resolution services help

Anonymous — Tue, 16 Apr 2013 02:34:35 GMT

I sent ARS Account Resolution a timely DV letter. this is the body of the letter.

..............................................................................................................................................................................................................................................................................

To Whom It May Concern:

I am sending this letter to you in response an item your company has placed on my credit report. Today 3/28/2013 was the first time I have become aware of this alleged debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.

This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state; and
Provide me with your license numbers and Registered Agent.

If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:

Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.

This is an attempt to correct your records, any information obtained shall be used for that purpose

I got a one page response that said this.

As you are already aware, ARS represents the doctors who provide services for healthcare facilities throughout the country. In respone to you request for verification of debt we have listed the information below. ARS has confirmed the oustanding balance of 471.00. This past due amount remains outstanding from services provided on the following dates:

Service invoice# original Current

Date: xxxxxxxxxxxxx Balance: Balance CBR#

10/02/08 $471 $471 xxxxxxxxx

The account(s) are delinquent and may have been reported to the credit bureaus.

Please remit payment in full to the adress shown above.

Best regards,

Judy Oberman

Director

* This is a attempt to collect a debt any information obtained will be used for that purpose*

Sorry for the long post just wanted to give as much information as possible. I have never had any dealings with the original creditor or this collection agency.My State is louisiana this debt IS NOT out of the 10 year SOL. How should I go forward handling this situation?

Re: Confused ARS account resolution services help

DaBears — Tue, 16 Apr 2013 03:43:09 GMT

@Anonymous wrote:
I sent ARS Account Resolution a timely DV letter. this is the body of the letter.
..............................................................................................................................................................................................................................................................................
To Whom It May Concern:
                                            I am sending this letter to you in response an item your company has placed on my credit report. Today 3/28/2013 was the first time I have become aware of this alleged debt. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state; and
Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character

I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose
..................................................................................................................................................................................................................................................................

I got a one page response that said this.
...................................................................................................................................................................................................................................................................
As you are already aware, ARS represents the doctors who provide services for healthcare facilities throughout the country. In respone to you request for verification of debt we have listed the information below. ARS has confirmed the oustanding balance of 471.00. This past due amount remains outstanding from services provided on the following dates:

Service                                          invoice#                                 original                                             Current
Date:                                            xxxxxxxxxxxxx                        Balance:                                           Balance                       CBR#
10/02/08                                                                                      $471                                                 $471                            xxxxxxxxx

The account(s) are delinquent and may have been reported to the credit bureaus.

Please remit payment in full to the adress shown above.

Best regards,

Judy Oberman
Director

* This is a attempt to collect a debt any information obtained will be used for that purpose*
...........................................................................................................................................................................................................................................................................

Sorry for the long post just wanted to give as much information as possible. I have never had any dealings with the original creditor or this collection agency.My State is louisiana this debt IS NOT out of the 10 year SOL. How should I go forward handling this situation?

That DV letter is really old and they do not have to respond to every request in it. Since they did verify the debt I would PIF before they get a judgement on you.

Re: Confused ARS account resolution services help

Anonymous — Tue, 16 Apr 2013 13:23:27 GMT

bumb

Re: Confused ARS account resolution services help

Anonymous — Tue, 16 Apr 2013 15:03:18 GMT

There is no law that says they cannot report to your CR before notifying you. Once reported, they should have sent you a dunning notice within 5 days.

They did give you the information that is required of them under FDCPA 809 which is the amount of debt and who is currently collecting. If you had of asked for the name and address of the OC they had to give you that also.

Since they have validated you can offer a PFD.

Re: Confused ARS account resolution services help

Jon85 — Tue, 16 Apr 2013 15:44:30 GMT

ARS is really good with PFDs.

I PFDed four separate accounts with them a few weeks ago and they're all deleted from my CRs already.

Re: Confused ARS account resolution services help

flacka — Tue, 23 Jul 2013 17:08:57 GMT

Hi Jon! I know this is a few months old but this post popped up in Google when I was searching ARS. I'm extremely happy to read see that they're good with PFDs!!

I want to do a PFD with them but I wanted to ask you - did you pay in full or did you get them to settle for less but still delete it? I'm just curious as to what my options are!

Re: Confused ARS account resolution services help

Shogun — Wed, 24 Jul 2013 01:03:49 GMT

@flacka wrote:
Hi Jon! I know this is a few months old but this post popped up in Google when I was searching ARS. I'm extremely happy to read see that they're good with PFDs!!

I want to do a PFD with them but I wanted to ask you - did you pay in full or did you get them to settle for less but still delete it? I'm just curious as to what my options are!

This is a 3 month old thread but I will give my advice on it. There's nothing wrong with trying to negotiate a settlement with the PFD. They happen, I've done it with others. Give it a try.

Re: Confused ARS account resolution services help

flacka — Wed, 24 Jul 2013 12:37:55 GMT

They wouldn't give me a settlement for PFD, but they did give me it if I paid the entire amount so I just did that! They already emailed me the letters saying it was paid in full and that they requested to delete all information off of the three credit bureaus

Re: Confused ARS account resolution services help

Shogun — Wed, 24 Jul 2013 16:29:11 GMT

Excellent work!

Re: Confused ARS account resolution services help

DaBears — Wed, 24 Jul 2013 16:46:47 GMT

@flacka wrote:
They wouldn't give me a settlement for PFD, but they did give me it if I paid the entire amount so I just did that! They already emailed me the letters saying it was paid in full and that they requested to delete all information off of the three credit bureaus

Way to go!!! Nice work!!!

Re: Confused ARS account resolution services help

Anonymous — Tue, 03 Dec 2013 21:52:11 GMT

That's great to hear Flacka! I'm happy for you. I currently have a small debt in collection with ARS. This is the first collection I am trying to get removed entirely from my credit report. Everything I've read online has stated to send a Pay For Delete (PFD) BEFORE issuing payment, then wait until they have sent back affirming the agreement before paying.

However, when I called ARS, they flat out refused to send a "Pre-PFD". They said they would absolutely remove it from my credit reports, but I had to pay first. That is their policy and that's just the way it is.

So, my question for you and maybe Jon, if he is still active, is...did you recieve any written confirmation from ARS that they would delete the collection BEFORE paying? Or did you pay first, then they actually made good on their word?

Hopefully you'll respond back soon! I'm in a bit of a rush to get this settled before I get my credit score ran by a landlord!

Thank you!

Re: Confused ARS account resolution services help

flacka — Wed, 04 Dec 2013 13:35:52 GMT

They told me the same thing! I received absolutely no confirmation that anything would be deleted before paying. They made good on their word! It wasn't even a day later after sending the payment I received an email with a letter attached saying that it would be removed entirely from my credit report. The next month it was off, like it never existed

Good luck! Hope this helps!!

Re: Confused ARS account resolution services help

Anonymous — Thu, 05 Dec 2013 23:05:20 GMT

Thank you so much for the reply! That was very helpful. I emailed and faxed them a PFD letter a couple days ago, and never got a response back...

I guess I'm going to go ahead and pay it, and hope they make good on their word in my case!

Thanks again the quick reply!

Re: Confused ARS account resolution services help

Anonymous — Fri, 06 Dec 2013 01:35:33 GMT

Hi, please tell us the results of your case with ARS once you have sent a payment. Thanks!

Re: Confused ARS account resolution services help

Anonymous — Fri, 06 Dec 2013 20:47:20 GMT

Will do! I talked to a ARS representative today, and made my payment in full. I was assured they would delete the collection from all 3 major credit bureaus and send me a paid in full letter. He said this should all be handled by midweek. So I'll update then! Fingers crossed...

Re: Confused ARS account resolution services help

Anonymous — Tue, 10 Dec 2013 18:40:59 GMT

So I'm glad to report that, after paying my bill in full on Friday afternoon, I recieved an email response Monday morning with two letters attached. One letter stating that my account is now considered paid in full/settled, and the other stating that ARS has sent a request to the 3 majors credit bureaus, asking for a DELETION of "any and all information" regarding my account.

I'm quite pleased with the outcome. I guess ARS really does make good on their word, even if they play hard ball at first.

Now I'm hoping this will boost my credit score a bit!

ALSO, does anybody know usually how long it'll take for the 3 majors to delete the information? I read earlier in this thread that it took 1 week for someone. Does anybody know if that's average. Also, once they delete it, if your credit score were to improve, would that take place instantly?

Thanks for the help from everyone in this thread!

Re: Confused ARS account resolution services help

Anonymous — Tue, 10 Dec 2013 18:53:02 GMT

Yay!!

Re: Confused ARS account resolution services help

Anonymous — Fri, 13 Dec 2013 21:11:49 GMT

Does anyone have the email address that ARS sent from? I am trying to reach them... but I'm currently in Afghanistan and it's somewhat hard without phones. Wish me luck on the PFD as well!!! Thanks for your guys' help!

Re: Confused ARS account resolution services help

Anonymous — Mon, 16 Dec 2013 20:07:57 GMT

arscollect@teamhealth.com

Best of luck!

Re: Confused ARS account resolution services help

freedom55 — Tue, 25 Feb 2014 07:25:12 GMT

I am thankful for this thread. I am looking to do a PFD with ARS. I will call them tomorrow and will update my experience. Hopefully, we can keep the encouragement going and share the good news