If a debt collection agency calls, texts, or sends letters and you feel pressured to pay before you understand what the debt is, your first move shouldn’t be negotiation—it should be verification. Ability Recovery Services LLC is listed as a third-party collection agency in Pennsylvania, with a BBB profile that includes address and phone details you can use to confirm whether the contact is legitimate. The simplest way to stop the chaos is to move everything to written proof, request debt validation, and build an evidence packet (call log, voicemails, letters, and screenshots) so you can dispute errors, reduce contact, and escalate if the conduct may violate federal rules.
Who Is Ability Recovery Services?
Ability Recovery Services (often shown as Ability Recovery Services, LLC) is a third-party collection agency based in Pennsylvania. BBB lists its headquarters at 284 Main St, DuPont, PA 18641-1960 and the business describes itself as collecting delinquent receivables for clients such as educational institutions, municipal government, banks/credit unions, and medical facilities.
Is Ability Recovery Services a Scam or a Legitimate Debt Collector?
Ability Recovery Services appears to be a legitimate U.S. debt collector with an established public footprint (BBB profile, physical addresses, and a company website).
That said, spoofing and impersonation can happen with any collector name. If the caller won’t provide written validation or the letterhead/address doesn’t match the verified details below, that could indicate you’re dealing with the wrong entity or a scammer using the name.
Contact Information
Use these verified details to match letters and send certified mail.
| Item | Details |
| Legal name (BBB) | Ability Recovery Services LLC |
| Headquarters (BBB) | 284 Main St, DuPont, PA 18641-1960 |
| Other listed location (BBB) | 1 Montage Mountain Rd, Moosic, PA 18507-1777 |
| Phone (BBB) | (570) 207-1892 |
| Payments by mail (company disclosures) | PO Box 4262, Scranton, PA 18505 |
| State disclosures phone (company) | 800-927-9800 |
Call-matching note:If your calls come from numbers not tied to the sources above, treat it as unverified until you confirm the debt in writing.
The Ability Recovery Services Debt Problem
Most people don’t get stuck because they “ignore it.” They get stuck because the debt details are unclear:
- The collector won’t clearly identify the original creditor.
- The amount changes from call to call.
- The account appears on a credit report with incomplete details.
- You’re asked to pay urgently before you get paperwork.
Your first goal is not negotiation. It’s verification—because once you have written proof, you can decide whether to dispute, settle, or escalate.
Federal Lawsuits That Show a Pattern of FDCPA Disputes
This agency has been named in multiple federal cases involving Fair Debt Collection Practices Act (FDCPA) allegations. A filing is not proof of wrongdoing, but it is a real indicator that consumers have pursued federal claims.
Here are four verifiable federal case references you can cite in a blog section like “Legal Actions”:
- Baum v. Ability Recovery Services LLC (E.D.N.Y.) — FDCPA case; complaint is publicly available.
- Klobchar v. Ability Recovery Services (E.D. Pa.) — federal docket listing.
- Summers v. Ability Recover Services L L C (W.D. La.) — federal docket listing.
- Martin v. Ability Recovery Services LLC (D.N.J.) — federal docket listing.
If your situation resembles the kinds of allegations raised in these cases (misleading statements, lack of validation, etc.), saving evidence matters.
When Ability Recovery Services Refuse Written Confirmation
If you ask for validation and they:
- Keep demanding payment by phone,
- Won’t mail proof of the debt, or
- Won’t clearly identify the creditor,
that could indicate the account information is incomplete or you may have defenses. Under the FDCPA, you have rights tied to debt validation/verification. The validation rules are in 15 U.S.C. § 1692g.
Practical rule: No paperwork = no payment plan. Ask for written proof first.
The “Recalled Debt” Strategy That Works
This is a simple, non-template tactic that often reduces pressure:
The goal
Push the collector into one of two lanes:
- They validate and you evaluate options, or
- They can’t validate, and the pressure often drops.
The script (use once)
“I’m requesting validation in writing. Please send the documents. I’m not discussing payment by phone.”
Why it works
Collectors can sell urgency on the phone. It’s harder to pressure you when everything must be supported by paper.
How to Verify the Debt and Stop Ability Recovery Services Harassment
1) Build a “one-page timeline”
Write:
- Date/time of each call,
- Number used,
- What was said (especially threats),
- Whether you requested validation.
2) Send a debt validation request
Ask for:
- Original creditor name,
- Account number reference,
- Itemized balance (principal/fees/interest),
- Proof they’re authorized to collect.
(Validation rights are grounded in Fair Debt Collection Practices Act (FDCPA) rules—again, 15 U.S.C. § 1692g.)
3) Stop phone negotiations
Phone calls create confusion. Written communication creates accountability.
4) If it’s on your credit report
If you see Ability Recovery Services on a credit report and you believe it’s inaccurate, document the entry and dispute it with the bureaus. Keep screenshots and dispute receipts.
5) Use their own disclosures when appropriate
Their “Specific State Law Disclosures” page includes important consumer notices and a payment-by-mail address—useful if you’re confirming where letters or payments are supposed to go.
How CRLF Stops Harassment and Protects You With Ability Recovery Services
If you believe the contact pattern is abusive, misleading, or tied to the wrong debt, Consumer Rights Law Firm PLLC can review your evidence and explain what options may apply under federal laws (Fair Debt Collection Practices Act (FDCPA)/TCPA/FCRA), based on your specific facts.
What CRLF may do quickly
- Review call logs, letters, and voicemails.
- Help preserve evidence (screenshots + recordings).
- Push for written verification before any payment.
- Send written demands to limit contact where appropriate.
- Evaluate whether the conduct could potentially violate federal rules.
Call Consumer Rights Law Firm PLLC: +1 877 700 5790
Success Stories
I found myself in a serious position with an old credit debt. I must say that they were extremely helpful and informative. Solved my problem with quick and effective approach. HIGHLY RECOMMENDED AND APPRECIATED
Matthew was so helpful. This company was amazing. We were being hassled up to 10 times a day for a bill that was less than $1000. The person who had our account was nasty and EXTREMELY unprofessional. I sought out help from Consumer Rights Law Firm and within 45 days we had relief. So grateful to Matt for his help and professionalism. He kept us informed with every step and fulfilled everything that he said. Very grateful. Thank you
About the Attorney
Attorney Derek DePetrillo is described as focusing on consumer protection matters—reviewing collector communications, documenting timelines, and using evide~nce to enforce consumer rights when collection tactics may cross legal lines. (If you want, I can tailor this to match the exact wording and claims on the firm’s attorney profile page you prefer, and I’ll cite that page directly.)
Frequently Asked Questions
1) Who is Ability Recovery Services?
This is a third-party debt collector based in Pennsylvania. Better Business Bureau lists its HQ in DuPont, PA and describes it as collecting past-due accounts for institutions such as banks/credit unions, medical facilities, and government entities.
2) What is the Ability Recovery Services phone number?
BBB lists (570) 207-1892 as the business phone. Their state disclosures page also lists 800-927-9800.
3) What is the Ability Recovery Services address?
BBB lists 284 Main St, DuPont, PA 18641-1960 as the headquarters. BBB also lists a Moosic, PA location at 1 Montage Mountain Rd.
4) Why is Ability Recovery Services on my credit report?
A collection account may appear if a creditor placed or sold an account for collection. If you believe the entry is wrong, save screenshots and dispute inaccuracies with the bureaus while requesting validation from the collector.
5) How do I verify the debt?
Request debt validation in writing and ask for the original creditor, itemized balance, and proof they can collect. The FDCPA’s validation framework is in 15 U.S.C. § 1692g.
6) What do Ability Recovery Services reviews and BBB pages show?
BBB provides an overview page and a complaints page where consumers post dispute narratives and the business may respond. BBB also notes a rating reason involving failure to respond to 1 complaint.
7) Are there Ability Recovery Services lawsuits?
Yes—public records show federal dockets and an FDCPA complaint filing (example: Baum v. Ability Recovery Services LLC). A filing is an allegation, not a proven violation.
8) What if they threaten legal action or wage garnishment?
A collector can sue in some situations, but wage garnishment typically requires a court judgment. If you believe threats are being used to pressure you without paperwork, document the wording and request written confirmation.
9) What’s the fastest way to reduce harassment?
Stop debating by phone, request validation in writing, and keep a tight evidence packet (call log + voicemails + letters). Many situations improve once everything must be supported in writing.
10) When should I talk to a consumer-rights attorney?
If you believe the debt is wrong, the contact is excessive, or the collector refuses written confirmation, an attorney can evaluate whether the conduct may violate federal law and help you choose the safest next steps.
