Who Is Asset Recovery Solutions? Why Are They Calling Me?

By US Debt Compass Editorial TeamUpdated 2026-07-15
CFPB complaints on record for Asset Recovery Solutions
16

Most commonly for attempts to collect debt not owed

View full complaint lookup for Asset Recovery Solutions →

Contact Asset Recovery Solutions

Address to send a debt validation letter
Asset Recovery Solutions, LLC 5250 Old Orchard Rd., Suite 200 Skokie, IL 60077
Phone
1-888-678-0087

As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.

Asset Recovery Solutions, LLC (ARS) is an Illinois-based debt collection agency, founded in 2009, that collects on delinquent consumer accounts — including student loan and other unsecured debt — on behalf of creditors and portfolio owners nationwide. If ARS is contacting you, it’s worth sending a debt validation letter in writing to confirm the debt is actually yours before paying anything; the company’s own site also has a dedicated dispute-submission form.

If this is the first time ARS has reached out, see what to do the first time a collector contacts you. Being contacted doesn’t necessarily mean a lawsuit is coming, but debt buyers do sue over unpaid balances — check how long they can legally wait to sue in your state.

Questions & Answers

Is Asset Recovery Solutions a legitimate debt collector?

Asset Recovery Solutions 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 Asset Recovery Solutions from calling me?

Under the FDCPA, you can send Asset Recovery Solutions 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 Asset Recovery Solutions?

Send a written debt validation request to Asset Recovery Solutions'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 Asset Recovery Solutions on my credit report?

If Asset Recovery Solutions 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

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