AA Recovery Solutions is calling your family, friends, and coworkers to locate you. Multiple BBB complaints and federal lawsuits allege this violates the Fair Debt Collection Practices Act (FDCPA).
According to BBB records, the agency has accumulated 80 complaints in three years. Consumers reportedly describe calls to relatives who had no connection to the account. If that matches your situation, call +1-844-638-1122 for a free case review.
Key Takeaways
- AA Recovery Solutions Inc. operates out of Clearwater, Florida, with a satellite office in Getzville, New York. The agency collects for education, healthcare, finance, retail, and telecom creditors. It does not typically report to credit bureaus.
- Federal lawsuits, including Hinyub v. AA Recovery Solutions and Garcia v. AA Recovery Solutions (No. 1:20-cv-00188, D. Idaho), allege FDCPA violations; the California DFPI issued a Consent Order in March 2026.
- According to BBB records, the agency’s most documented complaint pattern involves calling family members, friends, and employers. This conduct may violate 15 U.S.C. § 1692c(b) of the FDCPA.
- Consumers reportedly describe calls from spoofed numbers and voicemails that never identify the caller as a debt collector. Threats of wage garnishment without court authority are also documented.
- FDCPA violations can result in up to $1,000 in statutory damages plus actual damages and attorney fees. The collector pays those fees, not you.
- The Wood Firm PLLC handles these cases on contingency. No upfront fees: the collector pays if they violated federal law.
Free Case Review: +1-844-638-1122
Who Is AA Recovery Solutions?
AA Recovery Solutions Inc. (AARS) is a third-party debt collection agency incorporated in Florida. The agency services accounts on behalf of original creditors in education, finance, healthcare, retail, and utilities/telecom. It typically does not purchase debt outright and reportedly does not report to the major credit bureaus. As of 2026, the agency carries a B+ rating from the Better Business Bureau but is not BBB-accredited.
- Also Known As: AARS; potentially related to AC Asset Services (see Randle v. AC Asset Servs./AA Recovery Solutions, No. 19-CV-01074-LJV)
- Main Address: Clearwater, Florida
- Satellite Office: PO Box 504, Getzville, NY 14068-0504
- Phone: 844-280-3761 | (844) 280-3761 | +1-844-280-3761 | 8442803761
- BBB Status: Not BBB accredited; B+ rating; 80 complaints in 3 years
- BBB Profile: AA Recovery Solutions BBB listing
- Federal Lawsuits: Multiple cases alleging FDCPA violations
In our practice, AARS files frequently show voicemails left for third parties. These messages name the consumer and a case number, but never identify the caller as a debt collector. That omission is the exact disclosure failure at the center of FDCPA § 1692e(11) claims. If you or a family member received that voicemail, the recording may already be your evidence.
AA Recovery Solutions Phone Numbers Reported by Consumers
People search phone numbers online to find out who is calling. AA Recovery Solutions uses at least three documented outbound numbers. Consumers also report calls from spoofed local numbers that do not belong to the agency. If any of these appear on your caller ID, the call likely originates from AARS.
844-280-3761
(844) 280-3761 | +1-844-280-3761 | +1 844 280 3761 | 8442803761
Primary number; documented in BBB complaints and consumer filings.
888-218-5117
(888) 218-5117 | +1-888-218-5117 | +1 888 218 5117 | 8882185117
Documented in consumer complaint records alongside the primary number.
716-319-8554
(716) 319-8554 | +1-716-319-8554 | +1 716 319 8554 | 7163198554
Western New York area code consistent with the agency’s Getzville satellite office.
According to a verified BBB reviewer, the agency called from a spoofed Iowa number in October 2025. That number did not match any of the agency’s documented outbound lines. If the number that called you does not appear here, that may indicate spoofing. Spoofing by a debt collector is itself a documented FDCPA concern.
Why Is AA Recovery Solutions Calling You?
AA Recovery Solutions is calling you because a creditor assigned your account to them for collection. The agency primarily handles defaulted accounts in education, healthcare, finance, retail, and utilities. The underlying debt is likely a student loan, medical bill, retail account, or unpaid telecom balance. AARS typically acts as a servicer for the original creditor rather than purchasing the debt outright.
The more pressing question is how they obtained your contact information. According to multiple BBB complaints filed in 2025 and 2026, consumers allege that AARS called relatives and coworkers.
Those individuals reportedly appeared nowhere on the original account documentation. Under 15 U.S.C. § 1692b, a collector may contact a third party only once to locate you. That contact may not reveal your debt or disclose why the collector is calling.
If AARS called family members and disclosed your account information, each call may constitute a standalone FDCPA violation.
Is AA Recovery Solutions a Scam?
AA Recovery Solutions is a real, licensed debt collection agency. Licensed does not mean every tactic is legal. The agency operates in Clearwater, Florida, and maintains a satellite office in Getzville, New York. It is not a fictitious entity impersonating a collector.
That said, BBB reviews and complaint records describe conduct that consumers allege crosses legal lines. Reviewers report agents who refused to identify their employer. Some demanded Social Security numbers before saying who they were.
Consumers also describe calls from spoofed numbers. Other complaints describe messages threatening lawsuits or service of papers with no court authorization. According to a July 2024 BBB review, a representative threatened to serve papers by Friday. The same agent allegedly demanded payment of $2,800 that day, without providing written debt validation.
In our practice, we look at two things first. Did AARS agents identify themselves as debt collectors on initial contact? Did a written validation notice arrive within five days of that call? The absence of either creates the factual foundation for an FDCPA claim. Both are patterns the BBB complaint record for this agency reflects.
Has AA Recovery Solutions Been Sued for FDCPA Violations?
Yes. Federal courts have heard multiple FDCPA cases against AA Recovery Solutions. The California DFPI issued a Consent Order against the agency in March 2026.
- Delgado v. AA Recovery Solutions, Inc., No. 2:21-cv-00194 (D.N.M.): plaintiff alleged violations of federal debt collection regulations.
- Kvashilava v. Allied Recovery Solutions, Inc. (2019): class action alleging abusive, deceptive, and unfair collection practices under the FDCPA.
- Hinyub v. AA Recovery Solutions, Inc.: federal consumer rights lawsuit alleging FDCPA violations. The court issued a default judgment and awarded attorney fees against the agency.
- Garcia v. AA Recovery Solutions, Inc., No. 1:20-cv-00188 (D. Idaho): alleged disputes over consumer credit laws in federal court.
- Randle v. AC Asset Servs. / AA Recovery Solutions, Inc., No. 19-CV-01074-LJV (W.D.N.Y.): federal civil case involving the agency as successor following the dissolution of AC Asset Services.
- California DFPI Consent Order (March 2026): regulatory action by the California DFPI against the agency.
When we open an AARS file, we request every outbound call log the agency maintains. The default judgment in Hinyub and the DFPI Consent Order both signal the same pattern. The agency routinely fails to defend or resolve complaints. That history informs our assessment of any new claim.
Is AA Recovery Solutions Banned by the FTC?
No. The Federal Trade Commission has not banned AA Recovery Solutions. No FTC enforcement action against this agency appears in the public record. This article reflects the record as of June 2026.
In our practice, the DFPI Consent Order is the first document we pull in any AARS file. It establishes what the regulator found improper and informs how we evaluate a client’s specific experience. The California DFPI issued that Consent Order in March 2026; it is available publicly at the DFPI website. Additionally, the BBB launched an investigation into the agency’s licensing and procedural policies in March 2025. The agency reportedly did not respond. Neither constitutes a federal ban, but both are regulatory signals worth understanding if AARS has contacted you.
Can AA Recovery Solutions Garnish Your Wages?
AA Recovery Solutions cannot garnish your wages without a court order. The agency must sue, win a judgment, and then obtain a separate garnishment order. According to consumer complaints, agents allegedly threaten wage garnishment by phone. They disclose no pending lawsuit or court proceeding when making that threat. That threat, made without a court order, may constitute a false or misleading representation under 15 U.S.C. § 1692e of the FDCPA.
If an AARS agent threatened imminent garnishment, note the date and time. Record any name or employee ID the agent provided. That documentation matters if the threat was made without court authorization.
How The Wood Firm PLLC Helps Stop AA Recovery Solutions Debt Harassment
When we open an AA Recovery Solutions file, we focus on three specific areas. First, the call log showing every number AARS used to contact the consumer and third parties. Second, voicemail recordings left for those third parties. Third, the timeline between first verbal contact and the mailing of a written validation notice. These are the areas where AARS files most consistently show violations. The FDCPA provides clear remedies for each. The Wood Firm PLLC represents consumers only. We have never represented a creditor or collector, and we do not charge upfront fees. If AARS violated federal law, the agency pays our fees.
After you call, we review your documentation: call records, voicemails, and correspondence. We then tell you directly whether we believe a federal claim exists. If it does, we file. You owe nothing unless we recover. The FDCPA allows up to $1,000 in statutory damages per lawsuit. Actual damages for distress or financial harm may also apply, plus attorney fees. Reach us at +1-844-638-1122.
If AA Recovery Solutions contacted your family members without authorization, that conduct may support a federal claim. Threats of legal action without written documentation are also actionable. Visit our contact page to start the review process. The Wood Firm PLLC handles these cases on contingency. If they violated federal law, they pay our fees.
We’ve also helped clients stop Spire Recovery Solutions, United Credit Recovery Bureau, and Quality Asset Recovery.
What to Do If AA Recovery Solutions Contacts You Again
Save every voicemail AARS leaves. Pay close attention to any that does not identify the caller as a debt collector. Request validation of the debt in writing via certified mail. If the agency contacted a family member or coworker, write down the date and what was said. Note who received the call and their relationship to you. Those facts form the foundation of an FDCPA claim. Document them immediately for best results. Call +1-844-638-1122. The review is free and takes less than fifteen minutes.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
Frequently Asked Questions
Is AA Recovery Solutions a legitimate debt collector?
Yes, AA Recovery Solutions is a real, licensed debt collection agency in Clearwater, Florida. The agency carries 80 BBB complaints in three years. Unauthorized third-party contacts are the most documented complaint pattern.
Why is AA Recovery Solutions calling my family members?
The FDCPA permits only one third-party contact to locate you, and that contact may not disclose your debt. According to BBB complaints, AARS allegedly calls relatives and employers multiple times. Consumers allege each such call violates the FDCPA’s third-party contact restrictions.
Does AA Recovery Solutions report to credit bureaus?
No. AA Recovery Solutions reportedly does not report to the major credit bureaus. If a negative entry from AARS appears on your credit report, dispute it immediately and contact an attorney.
Can AA Recovery Solutions sue me?
Yes, any licensed collector can sue if the debt is valid and within the statute of limitations. Request written validation before paying anything, and verify the limitations period in your state.
What do I do if AA Recovery Solutions left a voicemail without identifying itself?
Save the voicemail immediately. The FDCPA requires each communication to identify the collector, and failing to do so is a federal violation. That recording may be your strongest evidence.
How do I get AA Recovery Solutions to stop calling me?
Send a written cease communication request via certified mail to their Getzville or Clearwater address. After receipt, AARS may only contact you to confirm the cessation. Any other contact may only be to notify you of specific legal action.
What damages can I recover under the FDCPA?
The FDCPA provides up to $1,000 in statutory damages per lawsuit. Actual damages and attorney fees are also available, paid by the collector. Class actions carry damages up to $500,000 or 1% of the collector’s net worth.
Is there a fee to work with The Wood Firm PLLC on an AARS case?
No. The Wood Firm PLLC handles FDCPA cases on contingency. If AARS violated federal law, the agency pays attorney fees, not you.
