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How To Remove Ability Recovery Services From Your Credit Report

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Tens of millions of Americans have collections-stage debt.

So if you’ve come across a collections entry on your credit report, you’re far from being alone.

One unfamiliar name you may encounter on your report is Ability Recovery Services.

While finding a collections entry on your report can be stressful, ARS’s calls, letters, and damaging effects on your credit score are simple to stop. You just have to know how to confront the agency.

In the guide below, we’ll break down everything you need to know about Ability Recovery Services so you can improve your credit ASAP.

What Is Ability Recovery Services?

You don’t have to worry about ARS’s legitimacy. Ability Recovery Services, LLC, is a bona fide debt collections agency that has been operating since 2011.

Though the agency is headquartered in Pennsylvania, they collect on consumer debt nationwide.

ARS collects on debts for several types of businesses, including:

  • Telecommunications services
  • Higher education loans
  • Utility bills
  • Healthcare debt
  • Debt from financial institutions

You can contact ARS at their mailing address below:

284 Main St
Dupont, Pennsylvania 18641

How Ability Recovery Services Works

Curious about the debt collection process? Here’s how it works.

When you fall behind on credit card or loan payments, or you fail to pay your service providers, they can turn your debt over to a collections agency like ARS.

These agencies are either paid to help out with collecting your debt or buy it outright from the lender or provider.

Either way, the credit bureaus will be notified, resulting in a collections entry being placed on your credit report.

This type of entry can negatively affect the payment history component of your credit report, which can bring down your score for seven years, even if a payment is made.

Until you pay ARS or reach an agreement, they can continue to call you and send letters requesting payment.

Read on to learn what it takes not just to stop ARS’s calls, but to get them completely removed from your credit report.

3 Ways to Remove Ability Recovery Services from Your Credit Report

Ability Recovery Services may have lowered your credit score, but it doesn’t have to stay that way.

If you’re ready to get the collections entry removed from your credit report, read on for a few pointers.

1. Request Debt Validation

Your first instinct may be to just pay Ability Recovery Services, but it won’t take the entry off your credit report.

Before you even consider paying ARS, you should ask to see some proof.

The Fair Debt Collection Practices Act grants you the right to ask for evidence within 30 days of being contacted by the agency.

If you submit a debt validation letter in that timeframe, the agency is obligated to provide you with documentation proving that the debt is actually yours, including important details about the original lender or provider and your account information.

Unless ARS can furnish the documentation it needs to move forward, they’ll have to drop the debt, contact the credit bureaus, and stop contacting you.

This is a solid strategy if you don’t owe money to ARS, but also if you do as there’s a chance your account info could’ve gotten lost in the shuffle.

2. Set Up a Pay-for-delete Agreement

If it’s been over 30 days since ARS began contacting you or your debt was validated, it’s time to settle up.

While just paying the agency won’t help your credit, getting ARS to agree to have it deleted in exchange for a payment will.

Once again, it is vital that you communicate in writing so that the agreement is upheld.

More likely than not, debt collectors will settle for a payment that amounts to only a fraction of what you owe.

This is especially true on older account balances. For example, you might walk away only paying $30 of the $60 you owe on your old cable bill.

After making your payment, you should monitor your credit report to ensure that it is updated accordingly.

3. Get Help from a Credit Repair Company

If you need help confronting Ability Recovery Services, a credit repair company can get the job done.

They could save you hours and the stress of having to deal with a debt collector on your own.

We recommend looking into one of our highest ranked credit repair companies.

These companies are experts at getting negative entries off your credit report, and they come with excellent customer service and affordable services.

Whether you’re buried in debt and don’t know how to start recovering or you simply don’t feel like dealing with a single debt collector, getting assistance from a credit repair company may be right for you.

You could see a quick improvement to your credit score and get the tools you need to maintain a great score in the long run.

Dealing with Ability Recovery Services

Debt collectors like ARS frequently receive complaints about the same types of problems.

Many issues revolve around:

  • Reporting: Whether due to an error or identity fraud, faulty reporting can be responsible for a collections entry.
  • Harassment: People also complain about debt collectors’ methods, which can sometimes be too aggressive or threatening.
  • Debt validation: Other complaints cite debt collectors’ failure to validate debts upon request.

You can find complaints on Ability Recovery Services’ BBB profile or the Consumer Financial Protection Bureau website.

In light of the grievances above, you should brush up on the Fair Debt Collection Practices Act.

It protects consumers like you, making sure that debt collectors use ethical practices when they deal with you.

Among other restrictions, it limits the hours during which agency representatives can contact you and prohibits them from threatening to take illegal actions against you.

Moreover, you can stop ARS’s calls completely. The wisest course of action when you are dealing with a debt collector is to only correspond with them in writing.

With all of your communications in writing, you should have an easier time disputing your debt or negotiating a payment.

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Erie Homecoming 2020 to take place virtually

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Erie Homecoming 2020: “Erie’s Economic Evolution” is happening this week.

Erie Homecoming is an event that shares the vision of where we are going as a business community and the specific projects that will be taking us there.

Yoselin Person was live outside of the Erie Regional Chamber to tell us more about what’s taking place at this year’s homecoming.

Get your favorite hot drink because Erie Homecoming is happening virtually. 

Rooms full of people just aren’t happening in the midst of a pandemic, so Erie Homecoming is an event that will inspire you from comfort of your home or office.

The purpose of homecoming is to give attendees the opportunity to learn how they can invest in the Erie community.

During this two day event, you will be able to learn how you can invest the time, talent and treasure in creating a more diverse and prosperous Erie community.

Erie’s Black Wall Street will be featured this year. It’s a nonprofit organization that’s known for improving black business.

“So, having it geared towards helping black businesses expand and spread their wings, I think that’s amazing,” said Alexandria Ellis, owner, She Vintage.

Ellis began her business six months ago. She says Erie Black Wall Street is a safe space where black entrepreneurs can connect and collaborate with others.

The organization also helps others with credit repair.

“They’ve helped me by connecting me with resources if someone is looking for a nail tech or a boutique that’s black owned, they have connected customers of their clients to me through their organization,” said Ellis.

Speakers from the black owned organization will speak about creating regional equity.

There will also be a discussion about Flagship Opportunity Zones and what it means in terms of tax and other investment incentives.

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RiverBend Growth Association announces new members | Business

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RiverBend Growth Association encourages use of face coverings

The RiverBend Growth Association announces its new members:

5 Diamond Campground

Brian Campbell and Matt Diamond

2 Fun Lane

Hartford IL 62048

(618) 254-1180

facebook.com/5-Diamond-Campground-103976501423687

Alton Pride Inc.

Jason Heeren, director of sponsorship

P.O. Box 662

Alton IL 62002

(618) 204-7420

https://altonpride.com

Alton Pride is a charitable and educational organization established to bring awareness, understanding, and advocacy to the LGBTQ+ community with an emphasis on the specific needs of the youth within the community. We are setting ourselves apart from other Pride organizations by focusing on giving back to our community, rather than hosting just a parade or festival. We will be depositing a majority of event proceeds into a structured account funding our goal to develop a local teen suicide prevention line and a teen resource center to help youth in need.

 

Imo’s Pizza – Bethalto

Lori Bromberg, president/treasurer and managing partner

515 N. Bellwood

Bethalto IL 62010

(618) 258-0011

www.imospizza.com

Bethalto Imo’s is owned by Charles and Barbara (Babs) Pelan. Barbara was a nurse and Charles has had a varied career but has always had an entrepreneurial spirit. He and Babs purchased the Bethalto Imo’s in 2013 and seeing the success of the brand and the store in Bethalto were anxious to purchase the Edwardsville Imo’s franchise in 2014.

Their daughter, Lori Bromberg, is the managing partner and provides leadership and daily oversight to the business. Lori has a bachelor of science degree in management and has 31-plus years in corporate leadership roles, including customer experience, supply chain, distribution strategy, change management, hr/talent management, training and safety. Lori also is a certified mentor for SCORE providing mentoring and coaching to small businesses.

While it is our goal to have a financially successful business, we believe the cornerstones to achieving success is ensuring a superior product and customer experience, investment in our employees, positive contributions to our community, while demonstrating a strong commitment to safety. We pride ourselves on our commitment to Imo’s corporate mission, “To maintain the Imo’s tradition of uncompromising quality, pride in Imo’s products, and passion for success and for customers to experience a genuine, original St. Louis pizza of the highest quality, served in a pleasant atmosphere or at home, so that they too will have reason to say: “Imo’s is my favorite pizza.”

If you frequent our Bethalto location, we will be moving down the street a little over a mile, still on 111, within the next month or so.  We will continue to have delivery and pick-up as well as offer new patio seating.

 

Lewis and Clark Community College Foundation Inc.

Mark Kratschmer, president

5800 Godfrey Road, ER 0210

Godfrey IL 62035

(618) 468-2010

www.lc.edu/About_the_Foundation/

The Lewis and Clark Community College Foundation is a nonprofit corporation organized under the laws of the state of Illinois. The foundation supports Lewis and Clark Community College and its students through scholarships, awards, and other assistance.

Piasa Body Art

Cody Hinkle, owner

560 E. Broadway

Alton IL 62002

(618) 462-1720

Alton’s best body art shop, offering tattoos and piercing services. Now with The Salon for all your hair care and barbering needs!

Prosper Credit Consultants

Jerheart Huntley, owner

525 Wyss Ave.

Alton IL 62002

(877) 503-7465

prospercreditconsultants.com

Credit repair that works! Prosper Credit Consultants uses the most innovative processes to make sure our clients are educated on how credit repair works! Prosper Credit Consultants is dedicated to educating our clients on how to get and keep good credit! We have become a one-stop shop for all things from credit repair, building credit for beginners, trade lines, putting our clients in position to purchase that new car, and home they want. Give us a call (877) 503-7465 or set up a free credit consultation.

The RiverBend Growth Association is the chamber of commerce and economic development organization for the 12 communities known as the Riverbend.  For more information about the Growth Association, visit www.growthassociation.com or call (618) 467-2280.

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RBGA notes 6 new members

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GODFREY — The RiverBend Growth Association is announcing six new members:

• 5 Diamond Campground, 2 Fun Lane, Hartford, with Brian Campbell and Matt Diamond. Call 618-254-1180 or visit facebook.com/5-Diamond-Campground-103976501423687.

• Alton Pride, Inc., Alton, with Jason Heeren, Director of Sponsorship. The charitable and educational organization established to bring awareness, understanding and advocacy to the LGBTQ+ community with an emphasis on the specific needs of the youth within the community. The group says it is setting itself apart from other Pride organizations by focusing on giving back to the community rather than just hosting a parade or festival. The group will be depositing a majority of event proceeds into structured account funding with the goal to develop a local teen suicide prevention line and a teen resource center to help youth in need. Call 618-204-7420 or visit https://altonpride.com.



• Imo’s Pizza, 515 N. Bellwood, Bethalto, with Lori Bromberg, President/Treasurer and Managing Partner. The Bethalto Imo’s is owned by Charles and Barbara (“Babs”) Pelan. They bought the Bethalto Imo’s in 2013 and the Edwardsville Imo’s franchise in 2014. Their daughter, Lori Bromberg, provides leadership and daily oversight to the business. She also is a certified mentor for SCORE aiding small businesses. Within the next month or so, the Bethalto Imo’s is moving to a new location on Illinois 111. Call 618-258-0011 or visit www.imospizza.com.



• Lewis & Clark Community College Foundation, Inc., at 5800 Godfrey Road, Godfrey, with Mark Kratschmer, President. The foundation is a non-profit corporation organized under the laws of Illinois. It supports Lewis and Clark Community College and its students through scholarships, awards and other assistance. Call 618-468-2010 or visit www.lc.edu/About_the_Foundation/.

• Piasa Body Art, 560 E. Broadway, Alton, with owner Cody Hinkle. It offers tattoos and piercing services, as well as a salon for hair care and barbering. Call 618-462-1720.

• Prosper Credit Consultants, 525 Wyss Ave., Alton, with owner Jerheart Huntley. The firm uses innovative processes to educate clients on how credit repair works. Call 877-503-7465 or visit prospercreditconsultants.com.


The RiverBend Growth Association is the Chamber of Commerce and economic development organization for the 12 communities known as the Riverbend. For more information about the Growth Association, please visit www.growthassociation.com or call 618-467-2280.

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