Who Is Ability Recovery Services? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact Ability Recovery Services
- Address to send a debt validation letter
- Ability Recovery Services, LLC P.O. Box 4262 Scranton, PA 18505
- Phone
- 1-855-207-1892
- Official website
- https://abilityrecoveryservices.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
Ability Recovery Services is a family-owned, national third-party debt collector based in DuPont, Pennsylvania, that collects on contingency for creditors in all 50 states. If Ability Recovery Services is contacting you, send a written validation request in writing — the company has a documented history of disputes over whether balances are accurate before you send any payment.
Has Ability Recovery Services been the subject of legal action?
Yes. In Baum v. Ability Recovery Services, LLC (E.D.N.Y., filed 2017), a consumer alleged the company violated the FDCPA by sending a collection letter that listed a “total” balance without disclosing whether interest or other fees could cause that amount to grow — information the Act requires collectors to state clearly. Ability Recovery Services has also been named in more than 100 federal FDCPA lawsuits over the years, and as of 2024 had accumulated more than 2,000 CFPB complaints, with a recurring pattern in BBB filings of consumers alleging the company reports debts to credit bureaus before completing validation, and continues reporting after a written dispute is submitted. If that happens to you, see credit report dispute for how to challenge inaccurate reporting directly with the bureaus.
Questions & Answers
Is Ability Recovery Services a legitimate debt collector?
Ability Recovery Services shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop Ability Recovery Services from calling me?
Under the FDCPA, you can send Ability Recovery Services a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with Ability Recovery Services?
Send a written debt validation request to Ability Recovery Services's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is Ability Recovery Services on my credit report?
If Ability Recovery Services is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- Baum v. Ability Recovery Services LLC, No. 1:17-cv-05799 (E.D.N.Y. filed 2017)— classaction.org
- Ability Recovery Services — company site— abilityrecoveryservices.com