Atlantic Recovery Solutions (ARS) contacts consumers about debts they may not recognize. According to BBB records, consumers have filed over 106 complaints against ARS in the last three years. Allegations include spoofed caller ID numbers and repeated calls to family members. Consumers also report voicemails that allegedly failed to identify the caller as a debt collector. If ARS has contacted you, call +1-844-638-1122 for a free case review.
Key Takeaways
- ARS is headquartered at 33 Dodge Road, Suite 108, Getzville, NY 14068; they have operated since 2012 and also go by AARS; they collect credit cards, medical bills, personal loans, and student loan accounts
- ARS has been named in multiple federal FDCPA lawsuits; Gatchalian v. Atlantic Recovery Solutions reportedly settled for $52,000 over allegedly unlawful voicemails and texts that omitted required debt collector disclosures
- According to BBB records, the most common complaint patterns allege rude collectors, unauthorized bank account debits, and continued contact after written cease requests
- Every voicemail and text from a debt collector must identify the sender as a debt collector and state that the communication is an attempt to collect a debt; either omission may be an FDCPA violation
- FDCPA violations may entitle you to up to $1,000 per lawsuit, plus actual damages and attorney fees paid by ARS
- The Wood Firm PLLC handles these cases on contingency; no upfront fees, and ARS pays our fees if they violate federal law
Free Case Review: +1-844-638-1122
Who Is Atlantic Recovery Solutions LLC?
Atlantic Recovery Solutions, LLC is a third-party debt collection agency. It was founded in 2012 and is headquartered in Getzville, New York. ARS collects delinquent accounts across multiple debt categories: credit cards, medical bills, personal loans, and student loans.
Court records confirm ARS has collected accounts originally held by Sallie Mae Bank. Consumer complaints document collection activity on credit card and retail accounts. The company also operates under the trade name AARS and uses the website arscollect.com.
In our practice, clients who contact us about ARS describe a specific pattern. They receive a call referencing a “legally required notice.” They try to dispute the debt. ARS sends them back to the original creditor, and neither party resolves the account. A March 2026 BBB complaint documents an ARS collector allegedly telling a consumer that asking questions constituted admitting the debt. That framing misrepresents a consumer’s legal rights under the FDCPA.
- Also Known As: ARS, AARS, AARS Collections, ARS Collections, Atlantic Recovery, ARS Buffalo, arscollect.com
- Address: 33 Dodge Road, Suite 108, Getzville, NY 14068-1540
- Phone: 855-881-1046 | (855) 881-1046 | +1-855-881-1046 | 8558811046
- Website: arscollect.com
- BBB Profile: Atlantic Recovery Solutions BBB listing
Phone Numbers Atlantic Recovery Solutions Uses
ARS uses multiple outbound numbers. Consumers have reported these numbers on the BBB and in online complaint databases. If any of these appeared on your caller ID, the call came from Atlantic Recovery Solutions:
- 855-881-1046 | (855) 881-1046 | +1-855-881-1046 | 8558811046
- 716-351-3820 | (716) 351-3820 | +1-716-351-3820 | 7163513820
- 844-503-2978 | (844) 503-2978 | +1-844-503-2978 | 8445032978
- 716-582-0301 | (716) 582-0301 | +1-716-582-0301 | 7165820301
- 716-582-0307 | (716) 582-0307 | +1-716-582-0307 | 7165820307
- 716-256-1923 | (716) 256-1923 | +1-716-256-1923 | 7162561923
- 866-783-0234 | (866) 783-0234 | +1-866-783-0234 | 8667830234
- 888-827-3602 | (888) 827-3602 | +1-888-827-3602 | 8888273602
- 716-332-6420 | (716) 332-6420 | +1-716-332-6420 | 7163326420
- 480-841-5135 | (480) 841-5135 | +1-480-841-5135 | 4808415135
A November 2025 BBB review reports that an ARS collector used a spoofed local number after the consumer’s secretary refused an initial call. In our practice, we compare every number ARS used against the company’s documented outbound lines. A number with no match to any registered ARS line is a potential spoofing flag. That creates compliance questions under the Truth in Caller ID Act.
Why Is Atlantic Recovery Solutions Calling You
Atlantic Recovery Solutions is calling you because a creditor assigned or sold your account to them for collection. That account may be a credit card, medical bill, personal loan, or student loan in default. ARS must send a written validation notice within five days of first contact.
That notice must state the amount owed, the creditor’s name, and your right to dispute. Multiple BBB complaints allege ARS consumers received calls without ever receiving the written notice. A missing or late validation notice may constitute an independent FDCPA violation. That violation stands apart from anything said on the calls themselves.
What the ARS “Legal Required Notice” Means
ARS voicemails and messages frequently reference a “legally required notice.” This phrase is not a legal term under federal law. The FDCPA requires every debt collection communication to clearly identify the caller as a debt collector. It also requires a statement that the communication is an attempt to collect a debt.
A message that uses legal-sounding language without both disclosures fails that standard. Both the Kaff and Gatchalian class actions centered on this exact failure. If the ARS voicemail used “legally required notice” phrasing but did not name Atlantic Recovery Solutions, save that recording. It may serve as the primary evidence in a federal claim.
Has Atlantic Recovery Solutions Been Sued
Yes. ARS has been named in multiple federal FDCPA lawsuits. Cases span more than a decade and center consistently on voicemail and text disclosure failures.
- Gatchalian v. Atlantic Recovery Solutions, LLC (N.D. California, 2022): class action alleging ARS sent unlawful voicemails and texts for DNF Associates (original creditor: Sallie Mae Bank) without identifying the company as a debt collector; reportedly settled for $52,000
- Kaff v. Atlantic Recovery Solutions, LLC (E.D. New York): class action alleging ARS voicemails failed to disclose the caller was a debt collector; the same disclosure pattern alleged in Gatchalian years later
- N.D. New York, No. 6:2024cv06357: FDCPA claims filed in 2024
- Griffin v. Atlantic Recovery Solutions, LLC, No. txedce-22-00086 (E.D. Texas, 2022) : FDCPA claims
- Lackey v. Atlantic Recovery Solutions, LLC: federal FDCPA claims citing collection conduct
When we open an ARS file, we pull every voicemail, text, and written notice. We examine the client’s records from first contact forward. The Kaff-to-Gatchalian pattern tells us exactly where ARS has cut corners: the initial disclosure statement. That is where we look first in every file.
Is Atlantic Recovery Solutions a Scam
Atlantic Recovery Solutions is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. ARS is BBB-accredited and holds active licensing as a third-party collector. According to BBB records, consumers have filed 106 complaints in the last three years.
Reported conduct includes collectors misrepresenting consumer statements, unauthorized bank account debits, and continued calls after written cease-and-desist notices. A November 2025 BBB review documents an ARS collector using a spoofed local number after the consumer’s secretary refused an initial call.
In our practice, we verify whether each ARS outbound number matches a line the company actually operates. A call from an unregistered number creates a compliance issue independent of the debt.
Is Atlantic Recovery Solutions Banned by the FTC
No. The FTC has not banned Atlantic Recovery Solutions. ARS holds active licensing and operates as a bonded, insured debt collection agency. No FTC enforcement action targeting ARS appears in publicly available records.
Private federal litigation has been the main accountability mechanism for ARS’s alleged conduct. Class actions in California, New York, and Texas allege FDCPA violations spanning more than a decade. The FDCPA authorizes private lawsuits precisely because federal agency action does not reach every violation consumers experience.
Can Atlantic Recovery Solutions Report to Your Credit
Yes, ARS can report unpaid accounts to the major credit bureaus, but that reporting must comply with the FCRA. Collection accounts remain on your credit report for seven years from the original delinquency date. ARS must report accurate information and must update or delete entries that cannot be verified.
A February 2026 BBB complaint alleges ARS reported a debt before the consumer received any written validation notice. If ARS reported a debt before sending the required notice, the sequence may support an FDCPA claim. It may also support a separate FCRA dispute. For identity theft accounts, ARS’s own BBB responses confirm they require a police report or FTC fraud affidavit. Filing that documentation is the fastest documented path to closing and returning the account.
How to Stop Atlantic Recovery Solutions Debt Harassment
The Wood Firm PLLC represents consumers exclusively and has never represented a creditor or debt collector. When we open an ARS file, we pull the initial voicemail or text first. We also pull the written validation notice and any call logs the client saved. ARS’s documented disclosure failures span the Kaff case through the 2022 Gatchalian settlement and into current BBB complaints.
That history tells us exactly where to look. A voicemail that omitted the required disclosure is a potential FDCPA violation. Contacting your family or employer without authorization is also actionable. So is calling again after a written cease request.
The firm evaluates all three federal statutes on every ARS case. That includes the FDCPA, the FCRA for credit reporting, and the TCPA for unauthorized automated texts. The firm works on contingency. No upfront fees. If ARS violated federal law, they pay our attorney fees. Call +1-844-638-1122 to start a free case review.
ARS voicemails that omit required disclosures, calls to family and employers, and contact after written cease requests are all documented patterns for this company. Visit our contact page to start a free case review. The Wood Firm PLLC handles these cases on contingency. If they violated federal law, they pay our fees.
Frequently Asked Questions
Why Is Atlantic Recovery Solutions Calling You
ARS is calling because a creditor assigned or sold a delinquent account to them for collection. That account is most likely a credit card, medical bill, personal loan, or student loan. Send a written validation request within 30 days of first contact before paying or acknowledging anything.
Is Atlantic Recovery Solutions a Legitimate Company
Yes, ARS is a licensed, BBB-accredited debt collection agency based in Getzville, NY. Legitimate does not mean every tactic is legal. BBB records show 106 complaints filed in three years, including allegations of collector misconduct and unauthorized debits.
What Is the ARS Legal Required Notice
This phrase appears in ARS voicemails and messages. The FDCPA requires every debt collection communication to identify the sender as a debt collector. It must also state the call is an attempt to collect a debt. If an ARS message used this phrase without both disclosures, save it before deleting it.
Has Atlantic Recovery Solutions Been Sued
Yes. ARS has been named in multiple federal FDCPA lawsuits. The Gatchalian class action reportedly settled for $52,000. Allegations stated that ARS voicemails and texts failed to identify the company as a debt collector. The same allegation appeared in the earlier Kaff class action.
Can Atlantic Recovery Solutions Garnish My Wages
ARS cannot garnish wages without first obtaining a court judgment. If you ignore a lawsuit and a default judgment enters, ARS can seek wage garnishment. Respond to any court papers by the deadline listed on the summons.
How Do I Get ARS Off My Credit Report
Dispute inaccurate entries in writing with Equifax, Experian, and TransUnion. Each bureau must investigate within 30 days and remove entries they cannot verify. For identity theft accounts, ARS requires a police report or FTC fraud affidavit before closing the account.
Can I Sue Atlantic Recovery Solutions for Harassment
Yes. Undisclosed voicemails, calls outside permitted hours, and unauthorized bank debits can each support a federal FDCPA claim. So can contact after a written cease request. You may recover up to $1,000 per lawsuit plus actual damages. ARS pays the attorney fees if you prevail.
Your Next Step If Atlantic Recovery Solutions Has Contacted You
Save every voicemail, screenshot every text, and note the date and time of every call. ARS’s documented history of voicemail disclosure failures means evidence you already have may support a federal claim. The Wood Firm PLLC works exclusively on behalf of consumers. The firm has never represented a creditor or debt collector. Call +1-844-638-1122 for a free case review. If ARS violated federal law, they pay our fees.
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.
