Stop ARC Management Group Collection Calls!

If you have received a call or a string of calls from a number tied to ARC Management Group, you are not the first person to wonder what is going on. Consumers across the country have flagged calls from this company on complaint platforms, court records, and public forums, raising questions about aggressive call patterns, alleged debts they did not recognize, and contact with family members or coworkers without consent.

This article breaks down exactly who ARC Management Group is, what industries they collect for, what real consumers have reported, and what federal law says about how collectors are allowed to treat you.

Who Is ARC Management Group?

ARC Management Group, LLC is a veteran-owned, third-party debt collection and litigation firm headquartered in Kennesaw, Georgia, a suburb of Atlanta. Their current registered address with the BBB is 125 Townpark Drive NW, Suite 100, Kennesaw, GA 30144. The company also maintains offices in Tampa, Florida; Hollywood, Florida; New York City; and Manila, Philippines which they use to support their international collection operations.

According to their own website at arccollects.com and confirmed through BBB records, ARC was started on October 1, 2005, and formally incorporated on October 1, 2006. The company is owned and operated by Bill Wilson, a U.S. Marine Corps veteran who had over 20 years of experience in debt collection industries before founding ARC.

The company’s contact phone numbers include (678) 486-5200, (770) 799-2696, 1-866-510-9754, and (770) 263-9869 the last of which has been specifically flagged in consumer harassment reports.

ARC describes itself as a “full-service pre-legal and legal commercial and consumer collection agency” that is licensed to litigate in multiple states and can pursue debts all the way through the courts.

ARC is NOT BBB Accredited. Despite being in business for nearly 20 years, the BBB has assigned them an F rating the lowest possible citing 79 complaints filed in the last three years, with 6 of those going completely unanswered by the business.

Read More here: Better Business Bureau

What Industries Does ARC Management Group Collect For?

ARC is not a generalist debt buyer. Their primary and most prominent specialization is healthcare and medical debt including unpaid bills from hospitals, physician practices, emergency facilities, and health systems. Their senior staff includes leaders with extensive healthcare revenue cycle backgrounds, and their website specifically markets services to hospitals and healthcare systems.

Beyond medical debt, ARC also collects for:

• Financial services companies personal loans, credit cards
• Telecommunications and utility companies overdue phone, internet, cable, electricity, and water bills
• Transportation companies
• Student loan servicers and colleges
• Government agencies unpaid taxes, fines, or fees
• Retail lenders and other commercial accounts

This broad portfolio is notable because it means an ARC call could relate to a hospital bill from years ago, a lapsed telecom account, or even a government fee not just traditional credit card debt.

Why Is ARC Management Group Calling You?

ARC Management Group is calling because they believe you owe a debt to one of their client companies. Most commonly, this involves a medical or healthcare bill. ARC may have received your account directly from the original creditor (who placed it for collection) or they may have purchased the receivables outright.

However, roughly half of all complaints filed against ARC over the years involve debts that consumers say are not theirs, already paid, or never properly communicated to them before collection activity began. Before making any payment or agreeing to anything, you are entitled to request written verification of the debt.

One key detail: ARC confirms in their own BBB complaint responses that they purchase receivables from original creditors meaning the company you originally owed money to may have sold your account to ARC, and ARC now owns it. This transfer does not eliminate your consumer rights under federal law.

Is ARC Management Group a Legitimate Company?

Yes, ARC Management Group is a registered and licensed debt collection agency. They have been in operation since 2005, are recognized by the BBB (though not accredited), and are licensed to litigate in multiple states. They are a real business with a real address and real legal authority to collect debts and file lawsuits.

That said, being a legitimate company does not mean every call they make is lawful or that every debt they claim is accurate. Their volume of BBB complaints 79 over three years and an F rating for non-response indicate a pattern that regulators and consumers have taken notice of. The question for most people receiving their calls is not “are they real” but “is this debt actually mine, and are they treating me lawfully?”

Known ARC Management Group LLC Phone Numbers

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

If the answer is yes, then you are receiving calls from a known ARC Management Group, LLC number. You may be a victim of ARC Management Group, LLC phone harassment. There have been many complaints filed against ARC Management Group regarding their phone practices. The list above is not all the numbers that ARC Management Group, LLC uses. The calls can be from a different number and it still be ARC Management Group, LLC calling you. Contact our office right away so we can start the process to stop ARC Management Group, LLC from calling you illegally. Above all, no one should live with harassment!

What People Are Actually Reporting About ARC Management Group?

BBB Complaint Data

The BBB currently shows 79 total complaints filed against ARC Management Group in the past three years, with 6 complaints left completely unanswered by the business. Complaints are split across billing and order issues (the majority), customer service problems, and service disputes. Here are specific complaints from the BBB’s public records:

January 2026 complaint (Unanswered by ARC): A consumer who had recently been discharged from bankruptcy filed a complaint stating that ARC continued calling them almost every day attempting to collect debts that had been discharged in the bankruptcy proceeding. The consumer described the calls as harassment and noted that ARC had no legal standing to pursue those debts post-discharge.

December 2025 complaint (Unanswered by ARC): A consumer reported receiving threatening voicemails from ARC stating the company was “going to show up at their house” and demanding they sign paperwork. Calls also spread to the consumer’s friends. The consumer noted that despite the threats, no one ever actually showed up, and they had documentation of the voicemails.

December 2025 complaint (Unanswered by ARC): A consumer reported receiving daily robocalls since November 11, 2025 from a number they could not identify. The recorded message claimed they had sent information to the consumer’s address (which was not true), never stated the consumer’s name, and never identified the specific debt. The message implied there would be “consequences” if the consumer did not call back. The consumer stated they had previously experienced identity theft and were not aware of any outstanding debt.

BBB Review (Lorie Y.): A parent reported that ARC called and emailed her about her 19-year-old son’s medical bills without contacting the son who was an adult directly. She described company employees as “rude and unprofessional” and stated they violated their own publicly posted “Collector’s Pledge,” which ARC displays on their website.

BBB Review (Clara C.): A consumer described being unable to reach anyone at ARC despite repeated attempts, including sending letters that were returned with a vacancy notice. When calling, she was told her phone number was not linked to an account yet they were contacting her about a debt.

Documented Complaint Patterns from Public Records

Based on complaints aggregated from BBB records and consumer complaint data tracked by attorneys on platforms like Lemberg Law (which documents publicly filed FDCPA cases):

• July 2017 case: A consumer discovered a delinquency on their credit report from a healthcare facility visit. They had never received any written communication from the original creditor or from ARC before the account appeared on their credit report a potential violation of the FDCPA’s requirement to notify consumers of their right to dispute.
• August 2016 case: A consumer reported that ARC began making daily phone calls about a 2014 debt the consumer stated was already paid. After demanding all contact go through the original healthcare provider and specifically requesting that phone calls cease, the consumer continued to receive calls including calls to their employer, which they had explicitly prohibited. An ARC representative reportedly threatened to “ruin his credit” if payment was not sent immediately. ARC’s own BBB response to this complaint acknowledged they would cease and desist communications.

Phone Harassment Reports: Call Patterns Consumers Describe

Across BBB filings, public complaint forums, and consumer records cited in legal sources, the following call behavior has been documented from ARC Management Group:

• Robocalls with no identifying details. Multiple consumers report that ARC uses automated recordings that do not state the consumer’s name, do not name the specific debt, and do not identify the original creditor but do include threatening language about “consequences” or “immediate action.”
• Daily or near-daily call frequency. Consumers frequently report receiving calls every day or multiple times per week. One 2025 BBB complaint specifically documented daily calls beginning on a specific date.
• Calls after stop requests. A documented 2016 BBB case shows ARC continued calling after an explicit verbal cease-and-desist request, including contacting the consumer’s employer.
• Calls to third parties, family members, friends, coworkers. Multiple complaints document ARC contacting friends, parents, or coworkers. Under the FDCPA, contact with third parties is only permitted to locate a consumer and is limited to one contact per third party, without disclosing the nature of the debt.
• Calls following bankruptcy discharge. The January 2026 BBB complaint documents continued collection calls after a legal bankruptcy discharge. Attempting to collect on a discharged debt is not only an FDCPA issue but can also violate the federal bankruptcy court’s automatic stay.
• Spoofed or rotating phone numbers. Consumers report calls from numbers including (770) 263-9869 that do not always match ARC’s listed contact lines, making it harder to identify or block the caller in advance.
• Threats of physical presence. The December 2025 BBB complaint documents ARC threatening to appear at the consumer’s home to have papers signed a tactic that was not followed through and may constitute a false threat under the FDCPA.

Lawsuits and Legal Issues

Civil Litigation History

According to Justia’s civil litigation database, at least 7 federal cases have named ARC Management Group, LLC as a defendant. These cases span multiple jurisdictions across the country, reflecting a nationwide collection operation and its associated consumer disputes.

FDCPA Violations Alleged in Consumer Complaints

Based on the documented complaint record, ARC has been accused of conduct that falls into the following FDCPA violation categories:

• § 1692d Harassment or abuse: Daily robocalls, threatening to appear at a consumer’s home, threatening to “ruin” a consumer’s credit as leverage.
• § 1692e False or misleading representations: Sending robocalls that imply consequences the collector may not be authorized to take; threatening legal action or physical appearance that does not materialize.
• § 1692c(b) Unauthorized third-party contact: Calling friends, family members, and employers outside the strict limits allowed for location-finding.
• § 1692g Failure to notify of right to dispute: Placing accounts on credit reports before consumers received any written notice, as described in the 2017 complaint.
• § 1692f Attempting to collect discharged debt: Continuing collection calls after a consumer’s bankruptcy discharge, as described in the 2026 complaint.

HIPAA Considerations for Medical Debt

Because ARC specializes heavily in medical and healthcare debt, a specific layer of federal law applies: the Health Insurance Portability and Accountability Act (HIPAA). Consumers have a right to know what medical information was transferred from a healthcare provider to ARC, and under what authorization. Several BBB complaints include consumers citing HIPAA in their written debt validation requests asking ARC to provide both debt verification and proof that the patient authorized the medical provider to share their records with a third-party collector.

How to Stop ARC Management Group Collection Calls

Step 1: Do not ignore them. Unlike scam-style operations, ARC has a documented litigation history. They are licensed to sue in multiple states and have pursued cases through to default judgment when consumers did not respond. Ignoring their calls does not make the account go away.

Step 2: Request debt validation in writing. Within 30 days of first contact, send a written request via certified mail with return receipt asking ARC to verify the debt. Until they provide written verification, collection activity including calls and credit reporting must stop. For medical debts, also request a copy of the HIPAA authorization form that allowed the healthcare provider to share your information with ARC.

Step 3: Send a cease-and-desist letter if needed. Under the FDCPA (15 U.S.C. § 1692c(c)), once a debt collector receives written notice that you want them to stop contacting you, they must cease except to confirm they will stop or to inform you of a specific legal action they are initiating.

Step 4: Document every call. Keep a log of every call date, time, number, caller name, and what was said. Save voicemails. This documentation is essential if you need to file a complaint or take legal action.

Step 5: Check your credit report. Verify whether ARC has already placed a collection account on your report by accessing your free credit reports at Annual Credit Report the only FTC-authorized source for free reports. If the account appears inaccurate or belongs to someone else, you can dispute it directly with each credit bureau.

Step 6: Respond to any lawsuit. If ARC files a lawsuit against you, respond within your state’s required timeframe (often 14–30 days). Ignoring a lawsuit allows ARC to obtain a default judgment, which can lead to wage garnishment even if the original debt was questionable.

Step 7: File a complaint. Report FDCPA or TCPA violations to:

• FTC: reportfraud.ftc.gov
• BBB: bbb.org/file-a-complaint
• Your state Attorney General’s office (especially relevant if ARC contacts you in a state where they are required to be locally licensed)

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 in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the ARA harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from ARC, call us at (877)700-5790 for immediate assistance or visit our website. If you suspect a debt is the result of identity theft, our law firm can assist you in disputing the debt and protecting your rights.

Success Stories

• “I was being contacted by a debt collection agency almost daily — sometimes multiple times a day — even though I had already asked them to stop. It got to the point where I was afraid to answer my phone. A friend recommended Consumer Rights Law Firm PLLC, and they were a lifesaver. Within days of contacting them, the harassment ended. The legal team was so easy to work with — they handled all the paperwork and even helped me understand how the Fair Debt Collection Practices Act protects consumers like me. I felt empowered and supported throughout the entire process.”
• “I never thought I’d need a consumer rights attorney, but after weeks of being harassed by robocalls from a collections company, I had enough. Consumer Rights Law Firm PLLC took my case seriously from the beginning. They guided me through what documentation they needed and stayed in touch every step of the way. It wasn’t long before the calls stopped entirely, and I even got a settlement without having to go to court. Their work gave me relief and peace of mind that I hadn’t felt in a long time.”
• “This firm is a game changer. I was skeptical at first — I didn’t think there was anything I could do about the nonstop calls and voicemails from collectors, especially since I owed the debt. But Consumer Rights Law Firm PLLC showed me that even if you owe money, collectors still have to follow the law. They walked me through everything, never pressured me, and kept the process stress-free. I truly appreciated how they took the time to explain the legal side of things in plain language. Highly professional and genuinely helpful.”

FAQs

Who is ARC Management Group and why are they calling me?

ARC Management Group, LLC is a third-party debt collection agency based in Georgia that focuses mainly on collecting unpaid medical or healthcare bills purchased from original creditors. If they are contacting you, they believe you owe a qualifying debt.

What types of phone harassment do people report from ARC Management Group?

Consumers commonly report repeated daily or weekly calls, calls outside permitted hours, contact with family members or workplaces, threats of lawsuits or arrest, abusive language, and robocalls from changing or spoofed phone numbers.

Can they legally harass me with phone calls?

No. Federal laws like the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) prohibit debt collectors from using harassment, threats, obscene language, or calling at restricted times.

What should I do if ARC Management Group keeps calling me?

Keep a detailed call log including dates, times, numbers, and call content. Send a written debt validation request within 30 days, followed by a cease-and-desist letter if needed. Blocking numbers and registering with the Do Not Call Registry may also help.

Can ARC Management Group report a debt to credit bureaus?

Yes. They may report delinquent debts to credit bureaus, which can lower your credit score. Even after payment, the account may remain on your credit report for up to seven years.

How can I dispute a debt or verify what they say I owe?

You can send a debt validation letter within 30 days asking for details about the original creditor, the amount owed, and proof of the debt. If they fail to provide verification, you may dispute the debt with credit bureaus.

Can I sue ARC Management Group for harassment or FDCPA violations?

Yes. If ARC Management Group violates the FDCPA or TCPA, you may sue for statutory damages, actual damages, and attorney’s fees.

What are known phone numbers associated with ARC Management Group calls?

Reported numbers include 678-486-5200, 770-263-9869, 877-251-0495, 630-599-5060, and others. Blocking and reporting these numbers is recommended if harassment continues.

Does paying off a debt to ARC Management Group remove it from my credit report?

No. Payment typically updates the account to “paid,” but the collection entry may remain on your credit report for up to seven years unless a pay-for-delete agreement is successfully negotiated.