Atlantic Recovery Services Phone Harassment?

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Atlantic Recovery Services Phone Harassment?

Atlantic Recovery Services Phone Harassment? Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt?  If so what they are doing is illegal and needs to stop. You have the legal right to stop the phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

Is Atlantic Recovery Services a Scam?

According to the Better Business Bureau website, Atlantic Recovery Services has been in business for 6 years. There have been 55 complaints filed against ARS with the BBB.

Atlantic Recovery Services Better Business Bureau

Who are ARS?

Atlantic Recovery Services is third party debt collector located in Getzville, New York. ARS has been a party to a Federal Court case over 30 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Address: 33 Dodge Rd Ste 108

Getzville, NY 14068-1540

Phone: (855) 881-1046

Legal Threats?

In the realm of debt collection, the line between lawful practices and abusive tactics can often blur. One of the most concerning practices is the use of legal threats by debt collectors to coerce payment from consumers. However, under the Fair Debt Collection Practices Act (FDCPA), such threats are strictly regulated to prevent harassment, intimidation, and deception. It’s crucial for consumers to understand their rights and protections under the FDCPA when faced with legal threats. Let’s delve deeper into this issue and explore what constitutes a lawful legal threat and what crosses the line into prohibited territory.

What Constitutes a Legal Threat?

Under the FDCPA, a legal threat is defined as any communication by a debt collector that implies or suggests the initiation of legal action against the consumer. This can include threats of lawsuits, garnishment of wages, property seizure, or arrest. While debt collectors are permitted to inform consumers of their rights and potential consequences of non-payment, they must do so within the bounds of the law and without resorting to intimidation tactics.

Permissible Legal Communications

Not all legal communications by debt collectors are considered violations of the FDCPA. There are instances where debt collectors are legally allowed to discuss potential legal actions with consumers. These include:

  1. Informing of Potential Consequences: Debt collectors can inform consumers of the potential consequences of non-payment, such as legal action or credit reporting. However, they must do so truthfully and accurately, without exaggerating or misrepresenting the consequences.
  2. Providing Information about Legal Rights: Debt collectors are permitted to provide consumers with information about their legal rights and options for resolving the debt. This may include informing them of their right to dispute the debt or seek legal counsel.
  3. Notification of Intent to Take Legal Action: Debt collectors can notify consumers of their intent to take legal action if the debt remains unpaid. However, they must be prepared to follow through on such threats and cannot use them as mere scare tactics.

Prohibited Legal Threats

While debt collectors are allowed to discuss legal actions with consumers, there are strict limitations on the tactics they can employ. Prohibited legal threats under the FDCPA include:

  1. False or Misleading Statements: Debt collectors cannot make false or misleading statements about the likelihood or consequences of legal action. This includes threatening legal actions that they have no intention of pursuing or misrepresenting the legal process.
  2. Unsubstantiated Threats: Debt collectors must have a legitimate basis for threatening legal action against a consumer. They cannot make vague or unsubstantiated threats of legal action solely to intimidate or coerce payment.
  3. Harassment or Abuse: Debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses consumers. This includes using legal threats as a means of intimidation or repeatedly contacting consumers with threats of legal action.

Legal Protections and Recourse:

Consumers facing debt collection harassment by Atlantic Recovery Services must be aware of their rights under the FDCPA and take necessary steps to protect themselves. Documenting all communication with the agency, including dates, times, and the content of interactions, is crucial in building a case against potential violations.

Furthermore, consumers have the right to dispute the debt within 30 days of being contacted. This provides an opportunity to challenge the validity of the debt and seek verification from Atlantic Recovery Services. Filing complaints with regulatory bodies such as the Consumer Financial Protection Bureau (CFPB) and consulting with legal professionals can be instrumental in holding the agency accountable for its actions.

Atlantic Recovery Services Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

716-215-7268, 855-881-1046, 866-803-2879, 716-636-0100, (855) 881-1046, (866) 803-2879, (716) 636-0100, 8558811046, 8668032879, 7166360100

If the answer is yes, then you are receiving calls from a known collection agency number. You may be a victim of phone harassment.  The list above is not all the numbers they use. The calls can be from a different number, and it still be Atlantic Recovery Services calling you.  Contact our office right away so we can start the process to stop ARS from calling you illegally. Above all, no one should live with harassment!

Common Questions Is ARS a scam? No, Atlantic Recovery Services has been in business for 6 years.

Can they garnish my wages? Yes, they can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can they sue me? Yes, ARS they can sue you so long as the debt is within the statute of limitations.

Can they report my debt to the collection bureaus?  Yes, Debt collectors are allowed to place the collection account on your credit report.

Can they arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Atlantic Recovery Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

Consumer Rights Law Firm Better Business Bureau

If you are interested in learning more about how to safeguard yourself and prevent harassment from Atlantic Recovery Services. call us at (877)700-5790 for immediate assistance or visit our website at consumerlawfirmcenter.com

Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.

“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”

Check out the links below for more information:


New York Attorney General

Consumer Finance

Atlantic Recovery Services
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.