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AA Recovery Solutions Inc. Debt Collection Harassment?

  • Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
  • Is a debt collector demanding payment without providing proof that the debt is valid?
  • If so, we’ll take immediate action to stop the harassing calls!
  • You could be eligible for up to $1,000 in statutory damages.
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AA Recovery Solutions Inc

If you’ve been contacted by AA Recovery Solutions Inc. (AARS), it may feel overwhelming, especially when communications include legal pressure or unclear debt details. In February 2026, the California Department of Financial Protection and Innovation issued a consent order against AARS, citing serious violations including alleged attorney impersonation, false legal threats, misrepresentation as an arbitrator, and operating in California without a valid license. The order also noted failure to disclose federal lawsuits during the licensing process. AARS agreed to a $35,000 penalty and is barred from applying for a California debt collection license for three years, making this regulatory action important context before responding or making payments.

At Consumer Rights Law Firm PLLC, we have been handling debt collection harassment cases since 2010 and carry a A+  with the Better Business Bureau. When a company’s conduct results in a state enforcement action and 82 BBB complaints in three years, consumers deserve to know the facts before making any financial decisions. This guide gives them to you.

What Is AA Recovery Solutions Inc.?

AA Recovery Solutions Inc. (AARS) is a New York–incorporated debt collection company founded in 2018 with offices in New York and Florida. It also operates under aliases such as AARS and PayAARS, which were reportedly not always disclosed in licensing records. The company has faced regulatory scrutiny, including California findings related to unlicensed collection activity under undisclosed trade names. It is not BBB accredited and has received numerous complaints, many involving alleged harassment, third-party contact, threats of legal action, and failure to provide proper debt validation.

In our practice, when a company’s consent order documents that its own representatives impersonated attorneys to pressure consumers into payment, we treat that as a foundational fact about how the company operates not an isolated incident.

BBB Profile for AA Recovery Solutions Inc.

What Industries Does AA Recovery Solutions Collect For?

AA Recovery Solutions collects across a range of consumer and commercial debt types, including accounts in:

  • Financial services
  • Telecommunications
  • Healthcare
  • Education
  • Retail
  • Utilities

AA Recovery Solutions Inc. works across multiple industries, which can make it unclear to consumers which account the company is trying to collect. This confusion is worsened by its use of undisclosed trade names like AARS and PayAARS. Regulators have also found issues involving attempts to collect debts, including an ACE Cash Express account, without clear proof of proper assignment.

In our practice, when clients receive calls from unfamiliar company names about old payday loans or phone company accounts, they frequently describe the experience as feeling like a scam because the caller refuses to identify the original creditor, uses a different company name than what the consumer later finds in a Google search, and pressures for immediate payment. The DFPI consent order describes exactly that scenario.

Why Is AA Recovery Solutions Calling Me?

AA Recovery Solutions is calling because they believe they have been placed on a consumer debt associated with your name or contact information. As a third-party collection agency not a debt buyer, they are hired by the original creditor or a prior collector to recover the balance. Here are the specific reasons they may be contacting you:

  • Old payday loan or short-term loan in collections: DFPI findings show AA Recovery Solutions has collected on ACE Cash Express payday loan accounts, meaning similar online payday or installment loans may be placed with them.
  • Telecom or utility bill in collections: Regulatory records include collection attempts on very old utility/phone accounts, including a Payvantage account from 2009, highlighting that some debts may be time-barred but still pursued informally.
  • Account misassigned to you: Regulators found at least one case involving an incorrect ACE Cash Express account attribution with no clear assignment proof, making mismatched or unrecognized account numbers a key red flag.
  • Third-party or wrong-number contact: BBB complaints frequently involve calls to family members, coworkers, or other third parties, which may violate FDCPA rules regardless of whether the debt is valid.
  • Debt already paid or time-barred: Depending on the state, debts may be beyond the statute of limitations (e.g., 5–6 years), meaning they may be unenforceable in court even if collectors still attempt to collect.

AA Recovery Solutions Inc

What Do BBB Complaints Against AA Recovery Solutions Actually Say?

With 82 complaints in three years, AA Recovery Solutions’ BBB record is not a sample, it is a pattern. The company has 9 pages of complaints. Here are the most illustrative:

  • May 2026: Calls to friends, family, and coworkers for verification: A consumer reported AA Recovery Solutions contacting unrelated third parties to verify identity, address, and location without authorization. The company later stated the account was closed but did not explain why third-party contacts occurred.
  • April 2026: Family contacted without written notice: A complaint alleges AA Recovery called relatives without the consumer ever receiving a written validation notice. The company again agreed to stop contact but did not address why third-party calls were made.
  • February 2026: Disclosure to family, refusal to provide written communication: A consumer reported AA Recovery shared case details with a family member, refused repeated requests for written communication, and pressured phone payment. The company ceased contact after the complaint but did not respond to specific allegations.
  • December 2025: Court threat and family contact: A consumer was told a court date would be scheduled if payment was not made, while the company also contacted family members. At the time of the complaint, no lawsuit had been filed.

In our practice, these complaint patterns align with key FDCPA protections: unauthorized third-party contact (§ 805(b)), false or unfiled legal threats (§ 807(5)), failure to send required validation notices (§ 809(a)), and harassment or abusive conduct (§ 806). AA Recovery’s tendency to stop contact only after complaints suggests it can comply with the law, but often does so only after formal escalation.

AA Recovery Solutions BBB Complaints Page

What Does the CFPB Complaint Record and California Enforcement Action Show?

The most significant regulatory record against AA Recovery Solutions is not in the CFPB database, it is the California Department of Financial Protection and Innovation Consent Order issued February 27, 2026. This document is the result of a state enforcement investigation and is a matter of public record.

DFPI Consent Order: AA Recovery Solutions Inc. (February 2026)

The consent order’s findings, in the regulator’s own words, include:

  • Impersonating an attorney (Sept 2024): AA Recovery representatives allegedly told a consumer they were attorneys for ACE Cash Express and referenced a non-existent court date, potentially violating FDCPA § 1692e(3) for false attorney representation.
  • Impersonating an arbitrator (Sept 2024): A representative described themselves as an “arbitrator” resolving a debt but later admitted being a collector, which may violate Regulation F for misrepresenting the nature of the business.
  • False threats of lawsuits (Sept 2024): Consumers were told legal action was imminent when no lawsuits were filed, potentially violating FDCPA § 1692e(5) regarding threats of actions not intended or taken.
  • Misrepresenting debt ownership (Aug 2024): AA Recovery attempted to collect on an account later disputed by ACE Cash Express, and a payment was reversed after account mismatch issues.
  • Operating without a California license (2024–2025): AA Recovery allegedly collected debts in California while its license applications were withdrawn or deficient.
  • Failure to disclose federal lawsuits to regulators: The company allegedly failed to report multiple federal lawsuits during licensing applications despite direct regulatory questions.

The penalty: $35,000, payable over 12 months. The consequence: AA Recovery is banned from applying for a California debt collection license for three years from February 2026.

In our practice, a consent order of this specificity naming individual representatives, documenting the exact statements made to consumers, and concluding that those statements constitute federal law violations is among the most powerful evidence available in FDCPA litigation. If you received a call from someone claiming to be an “attorney” or “arbitrator” working for AA Recovery, you may have a federal case regardless of whether you were in California at the time.

Consumer Reviews and Platform Reports

Consumer accounts on review platforms mirror the consent order’s findings with striking consistency.

“They called my sister and told her I was being sued and needed to call them back immediately to avoid court. When I called back, they said they were attorneys for my old payday lender. I looked them up and found out they are a debt collection agency — not attorneys. They never filed any lawsuit.”

“AA Recovery called my boss at work and told them I had an outstanding account. I never gave anyone at that company permission to contact my employer. My boss pulled me aside that afternoon. I was mortified. I didn’t even know who AA Recovery was — I had never gotten a letter from them.”

“They go by multiple names. When I called the number back it said ‘AARS.’ Their website says ‘PayAARS.’ The letter said ‘AA Recovery Solutions.’ I couldn’t figure out who I was actually dealing with.”

These accounts raise violations across three statutes:

  • FDCPA § 805(b): Contacting employers and family members without authorization, especially when the contact involves disclosing that a debt is owed, is a violation of the restriction on unauthorized third-party communication. Under § 805(b), debt collectors may only contact third parties to locate the consumer and may not disclose debt information in doing so.
  • FDCPA § 1692e(3): Representing oneself as an attorney is a federal violation regardless of state, and regardless of whether the consumer ultimately paid.
  • TCPA: Using automated dialers to contact multiple family members and friends without consent exposes AA Recovery to per-call damages of $500 to $1,500 under the Telephone Consumer Protection Act.

Has AA Recovery Solutions Been Sued?

The California DFPI consent order lists eleven federal lawsuits against AA Recovery Solutions, five concluded and six pending at the time of the February 2026 enforcement action. AA Recovery deliberately failed to disclose all eleven when applying for its California license.

Case 1: Zuelke v. AA Recovery Solutions, Inc. et al

  • Case Number: 2:19-cv-00074
  • Court: U.S. District Court, Western District of Michigan
  • Filed: 2019
  • Claims: FDCPA violations
  • Status: Concluded (adverse finding confirmed by DFPI consent order)
  • Official Source: Zuelke v. AA Recovery Solutions: CourtListener

The Zuelke case is the oldest on record against AA Recovery filed just one year after the company was founded in 2018. An adverse finding against a company this young, on a matter this serious, tells you the practices that led to the 2026 consent order were not new behaviors. They were the company’s operating model.

Case 2: Riley v. AA Recovery Solutions Inc.

  • Case Number: 1:24-cv-00986
  • Court: U.S. District Court, Western District of New York
  • Filed: October 16, 2024
  • Claims: FDCPA violations
  • Status: Pending as of the February 2026 consent order
  • Official Source: Riley v. AA Recovery Solutions: PacerMonitor

The Riley case was filed in the Western District of New York, the same federal district where AA Recovery’s principal office (Amherst, NY) is located. A federal lawsuit filed in the company’s own backyard about FDCPA violations, while the company was simultaneously failing to disclose five other adverse findings to California regulators, illustrates the breadth and simultaneity of the company’s legal exposure.

AA Recovery Solutions Inc

What Calling Tactics Has AA Recovery Solutions Used?

The consent order and BBB complaints document five specific tactics, each tied to a federal legal provision.

  • Impersonating Attorneys and Arbitrators: DFPI findings show AA Recovery representatives falsely presented themselves as “attorneys for ACE Cash Express” and as “arbitrators.” This violates FDCPA § 1692e(3), which prohibits misrepresenting legal status or authority, because it creates undue pressure by implying false legal power.
  • False Threats of Imminent Lawsuits: Complaints and the DFPI order document repeated threats of lawsuits and court dates that were never filed. Under FDCPA § 1692e(5), threatening legal action that is not intended or cannot be taken is prohibited.
  • Unauthorized Third-Party Contact: BBB complaints consistently report calls to family, employers, friends, and coworkers. Under FDCPA § 805(b), third-party contact is only allowed to locate a consumer and cannot disclose debt information or be used for harassment.
  • Refusing Written Validation: Multiple consumers report being denied written debt documentation and pushed toward phone payments only. FDCPA § 809(a) requires written validation within five days of first contact, making refusal to provide documentation a serious compliance concern.
  • Operating Under Undisclosed Trade Names: AA Recovery allegedly uses names such as AARS and PayAARS without proper disclosure or registration. This creates confusion for consumers and was flagged by regulators as a misleading practice affecting transparency and identity of the collector.

What Are Your Rights Against AA Recovery Solutions?

  • Fair Debt Collection Practices Act (FDCPA): The FDCPA regulates AA Recovery Solutions’ conduct nationwide, prohibiting calls before 8 a.m. or after 9 p.m., limiting repeated calls, requiring a written validation notice within 5 days, and mandating that collection stop if a timely dispute is made until verification is provided. It also bans false attorney claims, threats of lawsuits not intended, unauthorized third-party disclosures, misleading statements, and requires cessation of contact after a written cease-and-desist. Violations may allow recovery of statutory damages (up to $1,000), actual damages, and attorney fees.
  • Telephone Consumer Protection Act (TCPA): The TCPA restricts automated or prerecorded calls and texts without prior express written consent. If AA Recovery uses auto-dialing systems or contacts third parties without consent, each violation may carry $500–$1,500 in statutory damages per call, potentially adding up significantly in multi-contact campaigns.
  • Fair Credit Reporting Act (FCRA): The FCRA requires AA Recovery to ensure all credit reporting is accurate, verifiable, and timely. Consumers can dispute inaccurate entries with both credit bureaus and AA Recovery, triggering a 30-day investigation. The company must correct or delete incorrect information, including mismatched account data or reporting outside the 7-year limit.
  • Florida Consumer Collection Practices Act (FCCPA): Florida law prohibits abusive, deceptive, or unfair collection practices, including false threats, harassment, third-party disclosure, and impersonating attorneys. It applies alongside federal law, allowing Florida consumers to pursue additional remedies, with a five-year statute of limitations for most written debt claims.

How to Stop AA Recovery Solutions From Calling You?

Step 1: Document Every Contact

Record every call with date, time, number, caller name, and what was said. Save all voicemails, including those from AARS or PayAARS. Track any third-party contacts and note details like pauses after answering, which may indicate automated dialing systems and potential TCPA issues.

Step 2: Request Debt Validation in Writing

Within 30 days of first contact, send a certified debt validation request under FDCPA § 809(b) to AA Recovery Solutions Inc., Amherst, NY. Ask for the original creditor, account details, payment history, and proof of authority to collect. Any failure or incomplete response can be significant for dispute purposes.

Step 3: Send a Cease-and-Desist Letter

A written cease-and-desist can be sent at any time. Once delivered, AA Recovery must stop contacting you, and any further calls may be FDCPA violations. Ensure delivery is confirmed via certified mail.

Step 4: File Complaints With Agencies

Report the conduct to the FTC, CFPB, FCC, BBB, and relevant state regulators such as the Florida, New York, or California Attorney General or DFPI, depending on your location.

Step 5: Legal Review

Contact Consumer Rights Law Firm PLLC at (877) 700-5790 for a free case review if you’ve experienced harassment, false threats, third-party contact, refusal to validate, or credit reporting issues. FDCPA, TCPA, and FCRA cases are handled on a contingency basis, with no upfront cost and potential recovery of attorney fees if successful.

 

AA Recovery Solutions Inc

Consumer Rights Law Firm PLLC

Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from AA Recovery Solutions Inc. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877) 700-5790 for immediate assistance

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Frequently Asked Questions

1. Who is AA Recovery Solutions Inc.?
AA Recovery Solutions Inc. is a debt collection agency that attempts to collect unpaid consumer debts.

2. Can AA Recovery Solutions Inc. legally harass me?
No. Harassment, threats, or abusive behavior are prohibited under federal law.

3. How often can AA Recovery Solutions Inc. call me?
They cannot call repeatedly or excessively with the intent to annoy or harass you.

4. Can AA Recovery Solutions Inc. call me at work?
They must stop calling your workplace if you tell them your employer does not allow such calls.

5. Can AA Recovery Solutions Inc. contact my family or friends?
They cannot discuss your debt with anyone else and may only seek basic location information.

6. Can AA Recovery Solutions Inc. threaten legal action?
Only if the threat is real and intended. False threats of lawsuits or arrest are illegal.

7. Do I have the right to request debt validation?
Yes. You can request written proof of the debt within 30 days of initial contact.

8. Can I stop calls from AA Recovery Solutions Inc.?
Yes. You can send a written request asking them to stop contacting you.

9. What if AA Recovery Solutions Inc. violates debt collection laws?
You may have legal rights, including the ability to seek damages for violations.

10. Who can help me stop AA Recovery Solutions Inc. harassment?
A consumer rights attorney can help stop unlawful collection practices and protect your rights.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.

Disclaimer: The information contained in these articles is provided for general informational and educational purposes only and should not be construed as legal advice. Reading or relying on this content does not create an attorney-client relationship with our firm. Because every legal matter is unique, you should consult a qualified attorney regarding your specific circumstances before making any legal decisions.

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