Account Resolution Group, LLC is a Bakersfield, California debt collection agency. It contacts consumers about outstanding balances on behalf of creditors. The Better Business Bureau lists it as believed to be out of business and does not rate it. If Account Resolution Group appeared on your caller ID or credit report, verify the debt before paying anything. Call +1-844-638-1122 for a free case review with The Wood Firm PLLC.
Key Takeaways
- Account Resolution Group, LLC is based in Bakersfield, CA, and the BBB currently lists it as believed to be out of business with no active rating.
- Consumer complaints allege repeated calls, threats of legal action, and failure to send written validation notices. Each is a potential FDCPA violation.
- The FDCPA requires collectors to send a written validation notice within 5 days of first contact. Skipping that step is a standalone federal claim.
- FDCPA violations carry up to $1,000 in statutory damages per lawsuit, plus attorney fees paid by the collector.
- The Wood Firm PLLC handles FDCPA and FCRA cases on contingency. If Account Resolution Group violated federal law, they pay the fees.
Free Case Review: +1-844-638-1122
Who Is Account Resolution Group
Account Resolution Group, LLC is a third-party debt collection agency incorporated in California. The company collects outstanding balances on behalf of original creditors.
- Also Known As: Account Resolution Group LLC; sometimes confused with Account Resolution Corporation and Account Resolution Team, which are separate entities
- Primary Address: 4705 New Horizon Blvd Ste 7, Bakersfield, CA 93313
- Secondary Address: 8730 Harris Rd Unit 203, Bakersfield, CA 93311
- Website: arc1.biz
- BBB Profile: Account Resolution Group BBB listing, currently listed as believed to be out of business, not rated
The BBB’s out-of-business designation raises an important question for any consumer receiving calls: a defunct or dormant collection agency may have sold its account portfolio to another collector. In our practice, we pull chain-of-title documentation on every Account Resolution Group file. We confirm which entity currently holds the account and whether that entity has standing to collect.
Account Resolution Group Phone Numbers Reported by Consumers
If one of these numbers appeared on your caller ID, the call may have originated from Account Resolution Group or from a collector that purchased their portfolio. Search the number directly to find additional consumer reports.
- The company’s primary contact number is listed through arc1.biz. No specific outbound numbers have been independently verified in available sources.
- If you received a call from an unfamiliar 661 area code, document the number, the time, and what was said.
- Collectors sometimes use spoofed local numbers that do not match any documented outbound line. Check the number against the CFPB complaint database at consumerfinance.gov to see whether other consumers have reported it.
Why Is Account Resolution Group Calling You
Account Resolution Group is calling you because a creditor assigned or sold your account to them for collection. The original creditor stopped collecting internally and transferred the balance to Account Resolution Group. That transfer happens either on contingency or through an outright sale.
You may not recognize the caller if the original creditor’s name does not appear on the first call. Under 15 U.S.C. § 1692d(6), every debt collector must identify themselves as a debt collector in each communication. If a voicemail skipped that disclosure, that omission is the foundation of an FDCPA claim. Save any voicemail that came in without a clear disclosure. That recording may already contain the evidence.
A second scenario: the debt may not be yours. Collectors sometimes contact consumers about debts belonging to someone with a similar name, already paid, or discharged in bankruptcy. If you do not recognize the debt, do not confirm or deny it before requesting written validation.
Is Account Resolution Group a Scam
Account Resolution Group is a real, licensed debt collection agency. Licensed does not mean every tactic is legal. The company is registered in California as a legitimate business entity. The BBB lists it as believed to be out of business. That status does not make collection contacts fraudulent by itself.
The higher risk with Account Resolution Group contacts is impersonation. If a collector mentions this name, verify the company’s identity before providing any personal or financial information. Legitimate collectors provide their company name, a mailing address, and a callback number matching a documented business line. Demand all three before engaging further.
Scam indicators include gift card or wire payment demands, refusal to validate in writing, and pressure to pay without documentation. Consumers should remain alert given the company’s unclear current operational status.
Is Account Resolution Group Banned by the FTC
No. Account Resolution Group has not faced a published FTC ban or consent order based on available public records. No FTC enforcement action naming Account Resolution Group LLC of Bakersfield appears in available public records.
The absence of an FTC ban does not indicate a clean compliance record. The CFPB complaint database documents ongoing allegations against Account Resolution Group. Those allegations, if proven, would violate 15 U.S.C. § 1692d, § 1692e, and § 1692g. Private lawsuits under the FDCPA do not require FTC involvement and proceed independently.
Has Account Resolution Group Been Sued
Yes. Account Resolution Group has been named as a defendant in federal FDCPA lawsuits. The company operates at a regional level. Its case history appears in district court dockets rather than widely reported appellate decisions. Search PACER (pacer.gov) under “Account Resolution Group” to pull current and historical federal filings.
Consumer complaints and case filings allege the following patterns:
- Repeated calls placed in high volume or at prohibited hours, allegedly constituting harassment under 15 U.S.C. § 1692d
- Threats of wage garnishment or lawsuits that consumers allege the collector had no current legal basis to carry out, allegedly violating 15 U.S.C. § 1692e
- Failure to provide written validation notices within 5 days of first contact as required by 15 U.S.C. § 1692g
- Alleged third-party disclosure, including contacting employers or family members in ways that exceed the locating exception under 15 U.S.C. § 1692b
When we open an Account Resolution Group file, we pull the call log timestamps and compare them to the 8 AM to 9 PM window. We also request the validation notice and its postmark. That gap is where compliance failures most commonly appear in files like these.
Can Account Resolution Group Sue You
Yes, Account Resolution Group can file a lawsuit in civil court to collect a valid, in-statute debt. Collectors with a legally assignable account and a current statute of limitations have the right to sue. California’s statute of limitations for open-ended accounts like credit cards is 4 years. For written contracts, it is also 4 years under Cal. Civ. Proc. Code § 337.
The BBB’s out-of-business designation raises a key question: does Account Resolution Group still hold the account, or did ownership pass to a successor? A collector who files suit without owning the debt may lack standing. Request complete chain-of-title documentation before responding to any lawsuit threat: original creditor, every assignee, and the current holder.
Can Account Resolution Group Garnish Your Wages
Account Resolution Group cannot garnish your wages without first filing a lawsuit and winning a court judgment. No California collector can garnish wages, freeze bank accounts, or place liens on property through collection activity alone. Every one of those remedies requires a court order.
A threat of immediate garnishment before any judgment exists is a potential FDCPA violation under 15 U.S.C. § 1692e(4). That provision bars the false representation that non-payment will result in seizure when no legal proceeding has begun. Document any garnishment threat with the date, time, and exact language used.
Can Account Resolution Group Report to Your Credit
Yes, Account Resolution Group can report unpaid accounts to the major credit bureaus, but that reporting must comply with the FCRA. Reported information must be accurate and must reflect the correct date of first delinquency. Re-aging an account to appear newer violates the FCRA.
Reporting a debt before sending a validation notice may violate both the FDCPA and the FCRA. The credit entry itself may be the basis of a federal claim. Check your credit report immediately. If the entry appeared before any written validation notice, document both dates.
How The Wood Firm PLLC Helps Stop Account Resolution Group Debt Harassment
The Wood Firm PLLC represents consumers exclusively and has never represented a creditor or collection agency. When a client brings us an Account Resolution Group file, we request the validation notice, the full call log, and chain-of-title documentation showing how the account moved from the original creditor. Given the BBB’s out-of-business flag, we also verify current licensure. A collector operating on a lapsed license compounds any substantive FDCPA violations they commit. These are the points where Account Resolution Group files most commonly produce actionable claims.
The firm operates on contingency. If Account Resolution Group violated federal law, they pay the attorney fees and statutory damages, not you. There is no upfront cost. When you call, an attorney reviews what you have documented and identifies whether a federal claim exists. Reach us directly at +1-844-638-1122.
If Account Resolution Group’s calls do not match what federal law permits, visit our contact page for 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
What is Account Resolution Group
Account Resolution Group, LLC is a third-party debt collection agency based in Bakersfield, California. The BBB currently lists it as believed to be out of business. If you received a contact, verify the company’s identity and current standing before providing any information or payment.
Is Account Resolution Group legitimate
Account Resolution Group is a registered California business entity. The BBB lists it as believed to be out of business and does not rate it. Licensed status does not authorize harassment, threats, or failure to validate. Every collector must follow the FDCPA.
Account resolution group company
Account Resolution Group LLC operates from Bakersfield, CA, collecting accounts on behalf of creditors. Do not confuse it with Account Resolution Corporation or Account Resolution Team, which are separate entities. Confirm which company is actually contacting you before taking any action.
Why is Account Resolution Group calling me
Account Resolution Group is calling you because a creditor assigned or sold your account to them for collection. If the debt is not yours, request written validation immediately. A call without a disclosure identifying the caller as a debt collector may be a standalone FDCPA violation.
How do I stop Account Resolution Group calls
Send a written cease-communication request by certified mail. Under 15 U.S.C. § 1692c(c). After receiving it, the collector may only confirm the end of collection or notify you of a lawsuit. Each call after confirmed delivery is a separate FDCPA violation.
Account resolution services scam
Account Resolution Group is a real company, not an inherently fraudulent operation. Scam red flags include gift card payment demands, refusal to validate, and pressure to pay without documentation. Report those tactics to the CFPB and contact an FDCPA attorney.
Can Account Resolution Group sue me
Yes, if the debt is valid and within the statute of limitations. California sets a 4-year limit on credit card and written contract debt. Request chain-of-title documentation before responding to any lawsuit threat. A collector without ownership may lack standing.
What happens if I ignore Account Resolution Group
Ignoring a collector does not make the debt disappear. Account Resolution Group may report the debt to the credit bureaus. If the debt is valid and in-statute, they may also file a lawsuit. Respond to any court summons. Ignoring it can result in a default judgment against you.
What to Do After Account Resolution Group Contacts You
Start documenting today. Write down every call date, time, caller name, and what was said. Save every voicemail in its original format. If Account Resolution Group sent a letter, check the postmark against the date of first contact. The 5-day validation window runs from first contact, not from when the letter arrives.
If calls started and no written validation notice has arrived, that gap may already support a federal claim. The Wood Firm PLLC reviews these files at no charge. Call +1-844-638-1122 to go through what you have documented and find out whether a violation exists.
Jeff Wood represents consumers exclusively. He never represents 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.
