Se Habla Español

Agent Available. Call Now! 312-300-5996

Text Us

Whether You Owe The Debt Or Not, We Can Help You!

Has ARA, Inc. Called From 888-686-9475 ?

Find out why they are calling

Get the calls to stop

Review your credit report

Answer your financial questions

All at ZERO COST to you.

CALL NOW 888-572-0176

Or fill out the form to claim your
FREE no-obligation case review.

Tell us your story.
We'll make things right.

How it Works

We will stop harrassment immediately

If your rights have been violated, you may even be entitled to a money damages.

The other side pays our fees and costs, so there is ZERO COST to you.

Frequently Asked Questions

What is the Fair Debt Collection Practices Act?

The FDCPA applies to everyone in the county. It’s a list of what collection agencies can and cannot do while collecting a debt. Under the FDCPA, collection agencies cannot harass you while collecting a debt.

What is the Electronic Fund Transfer Act?

The EFTA is a federal law that protects electronic payments that are deducted from bank accounts. Under the EFTA, companies cannot take unauthorized payments from your checking account or debit card.

What is the Fair Credit Reporting Act?

The FCRA is a federal law that protects consumers’s information on their credit report. 40 million Americans have mistakes on their credit report. We will help you dispute inaccurate information on your credit report at no cost to you.

Do I have to pay your fees and costs?

No. We handle consumer rights cases based on a fee-shift provision. That means the other side pays your fees and costs. You will never pay us a penny.

Do states have their own laws to protect consumers?

Yes. Several states also have laws to provide their citizens with an additional layer of protection. All states also have laws to protect consumers from unfair and deceptive practices from big companies.

How does Mike Agruss Law help me?

The EFTA is a federal law that protects electronic payments that are deducted from bank accounts. Under the EFTA, companies cannot take unauthorized payments from your checking account or debit car.

We see you as a person, not just a client - and that makes us better at what we do. We learn your story. And, as we help you, we go above and beyond in a way most law firms never could and never would. Becuase we're not just lawyers. And you're not just a client. We're friends, neighbors, and family. We're all people and here at Mike Agruss Law, we put People First.

Top Collection Violations

Called you about a debt you do not owe.

Called you at work after you told them you cannot recieve calls at work.

Left you a message without identifying the company's name.

Left you a message without disclosing that the call is from a debt collector.

Called third-parties (family, friends. coworkers, or neighbours) even though the collection agency konws your contact information.

Disclosed your debt to a third-party (family, friends. coworkers, or neighbours).

Called you after you said to stop calling.

Threatened you with legal action (such as a lawsuit or wage granishment).

Called you before 8:00 AM or after 9:00 PM.

Continued to call you after you have told the collector yo cannot pay the debt.

Communicated (phone or letter) with you after you filed for bankruptcy.

Failed to mark the debt on your credit report as disputed after you disputed the debt.

CALL NOW 888-572-0176

CLAIM FREE CONSULTATION

Real Reviews From Real Clients

Exceptional Experience

Mike Bertucci handled my case professionally and successfully. Lakisha Joshua took time to understand my case with the utmost patience. Both Mike and Lakisha, in my opinion, are true assets to Agruss Law firm.

Pj Nyc

see all 1756 reviews

888-686-9475

also appears as...

+1 8886869475
8886869475
1-888-686-9475
888.686.9475
1.888.686.9475
888 686 9475
8886869475
+1 (888) 686-9475

888-686-9475

We helped thousands of people like you

7,500

Debt Collection

Harassment Cases Settled

1,293

Client Reviews

Outstanding

350

5 Star Reviews

on Google

A+

BBB

Rating

Click on your state, learn your rights

CALL NOW 312-300-5996 Claim Free Consultation

We are listening

We will respond to you at lightning speed. All of your information will be kept confidential.

Submitted Comments

Michael Agruss

3 years ago

Hi Laurie. This sounds like a lot of confusion and double-talking on the part of ARA Inc. I'd like to help you get the calls to stop, though. Please give me a call at 312-224-4695 and we can talk. Thanks, Mike

Michael Agruss

3 years ago

Hi Stephanie. Debt collectors will use any methods they can to get ahold of the person they're looking for, including harassing friends and family members. They cannot harass you or threaten you, if they do so they could be breaking the law. I'd like to discuss this with you in more detail. I'll give you a call. Thanks, Mike

Michael Agruss

3 years ago

Hi Benjamin. It is common for debt collectors to use various local zip codes to trick you into answering the phone. A debt that old sounds suspicious, I would be hesitant to send any type of payment to them without some proof and discussing this with an attorney. If you need assistance, please give me a call. 312-224-4695 Thanks, Mike

Michael Agruss

3 years ago

Hi Rochel. If they're threatening you, they could be breaking the law. There may also be some question about the statute of limitations on the debt. Let's talk more about this. Give me a call at 312-224-4695 and I will check in with you as well. Thanks, Mike

Michael Agruss

3 years ago

Hi Letitia. I'm sorry to hear that you're struggling and now dealing with harassment from ARA, Inc. I am going to call you so we can discuss what they've said and what options you may possibly have. You can reach me at 312-224-4695 sooner as well. Thanks, Mike

Michael Agruss

3 years ago

Hi Robert. You were right to request a copy of the debt they say you owe in writing. If you'd like help in dealing with ARA, Inc., I'd be happy to be your resource. I want to discuss this further with you and will reach out this week. Thanks, Mike

Robert

5 years ago

Hello. I received a call from a collector today about a debit that is 15 years old and I havent heard anything on 10 years. They stated at first that I didnt respond to a settlement offer sent to old address. They said they had a federal affidavit and would levy my account unless I pay the 2999 by the end of the month. I said I didnt live there so they transferred me. The gentleman who got on the phone was worse. Said that he knew I had credit cards. I wouldnt be able to use anymore he would levy my bank account and ruin my credit. Said I had to pay 699 today. When I said I needed something in writing about this he said he would email it. He never did but when I said I need to review this he said I was stalling and he would proceed with legal action. Im not sure what my rights are or if Im in the wrong or what to do!

Letitia

5 years ago

This ARA company called me yesterday afternoon and suckered me into agreeing to make monthly payments to settlement a very old debt. I can't possibly do this. They threatened to file a suit for the debt, saying it would then cost me over $10k. I don't own anything except my clothes, and household items. I'm already deeply in debt for the low income I have. My credit rating is in the pits. I'm 64 yrs. old and live on disability social security!

Rochel

5 years ago

ARA had contacted my husband's cellphone number this morning and I called them back on mine identifying me as his wife and they explained that we owe $15,106.28 by Washington Mutual. He has never had an account with Washington Mutual and Logan Scott stated that it could have been an old credit card and that it dates from 2005. They have just called his cell phone again this afternoon and it looks like they will continue to call after he said that I will mark this as a refusal to pay after I stated I would check with my attorney to validate this debt. Do we have a case of harrassment yet or do they need to call a few more times? They did threaten legal action from St. Louis County and mentioned something about a petition of judgement but when asked if they sue he avoided the question and the debt is 13 years old!

Benjamin

5 years ago

I have been receiving call's from one of the number's you have listed. They made it sound very official with the message they left me. They said it was in reference to Discover Car. That information is form the 1980's,and it was cleared from my Credit report. I did not return any phone calls, yet I suspect that they are cloning zip codes in order to try to get me to answer my phone!

Stephanie

6 years ago

They called my phone # looking for my mom. When I explained to them that this is my phone #. Then they wanted my moms # to which I explained I will not give it out unless I know what this is in regards to. The gentleman told me no that he wouldn’t give me any information so I told him ok then I will not be providing you with that phone #. Then he said “ok. We’ll just keep calling until we get ahold of her and I told him well you won’t because this is my phone. I then said if he continues to call after knowing this is my phone #, I will report him for harassment and he kept telling me I need to stop. Then said that if my mom gets in any trouble, it’s my fault.

Laurie

6 years ago

I don’t know that I have any specific questions yet, this just began. The thing is, if may continue. I’ve gotten phone calls from ARA regarding a debt owed to a bank I’ve never heard of, for an amount that I’d never have qualified during the supposed debt time to begin with. I returned the call today, they verified my social, but nothing else matches. After that, the nice lady sent me to Legal and a bad man. He was violating FDCPA the entire time. I called back and asked for a supervisor in Legal, and got the same guy. I wanted to request a copy of my file, but and date of last payment which is when he called me a liar and. IDK something else. I don’t know where the contract would have been signed (if one has). The First Lady i spoke with said it was from the early 2000s as for date of either contract or last payment or something!

Mike Agruss

6 years ago

Hi Martin, the collection agency calling you is ARA. The number 888-686-9475 is from ARA. When a collection agency leaves you a message, the caller has to identify the company name (here ARA, Inc., or Asset Recovery Associates) and tell you they are collecting a debt. Here, this message did neither. It appears ARA incorporated violated the Fair Debt Collection Practices Act. I can help you stop these calls. Thanks, Mike.

Martin

6 years ago

The ladies name was Margie Green and the phone number was 888-686-9475 ext. 3033 file number to reference 4671864 and caller Id showed at as an Illinois phone number. This is word for word the communication my wife received via voicemail yesterday. "Yes this message is for Anthony Martin my name is Margie Green. It will be in your best interest if you or someone for your behalf contact my office within 24 hours of this message at 888-686-9475 my extension is 3033. Please refer to file number 4671864 because I will surrender in the decision for your behalf. Thank you."!

Darrin

6 years ago

This company keeps calling me claiming I have a Bank Of America Visa credit card with a past due balance. I have no such card and never had one and i was in bank of America recently and received no indication from them directly. This alleged account does not show up on my credit report. I'm very concerned because they provided me my full name, address and even social security number.

Mike Agruss

6 years ago

Hi Whitney, You came to the right place. I can help you stop the calls from ARA, Inc, to you, your fiance, and your former employer. ARA incorporated should not be harassing these third parties. You are protected under a federal law called the Fair Debt Collection Practices Act. I'll call you so we can discuss your rights on the phone. Thanks, Mike.

Mike Agruss

6 years ago

Hi Norman, I'm sorry you experienced this type of call fro Asset Recovery Associates. Don't worry, <a href="https://www.agrussconsumerlaw.com/asset-recovery-associates-ara-inc-harassment/" target="_blank" rel="noopener nofollow ugc">ARA incorporated</a> will not levy your account or put this debt on your credit report. I can help you under the Fair Debt Collection Practices Act. ARA cannot make these legal threats against you. Such baseless threats violates the federal debt collection laws. Thanks, Mike.

Norman

6 years ago

I received a call last Thursday, stating I owed $25,000 from sometime back in 2001 for a Bank of America credit card. They called me at work with all of my personal information and threatened to attach a levy on my social security, stating they had a signed affidavit etc. They also informed me they were going to put it on my credit report. I told them to send me information regarding any debt they think I owe and I would look it over. They of course did not. Today I received another phone call at my place of business, which I did not actually receive, but they left a message to call back. Any credit card debt I had was from around that time, as I lost my job and started a business. The only other debt I had was from 2009 when I did lose my house to B of A due to an unfair forclusure (they actually foreclosed without putting the notification on the house. I only found out when people came to look at the house and informed me it was at auction the next day). I am sure these are past the SOL as they are 6 years here in Arizona. I would just like some help to not have them calling me at work. Thank you.

Whitney

6 years ago

Calling ands harassing me, my fiance, and now my former employer!!

Mike Agruss

6 years ago

Hi Robert, we can help you. ARA does not have an affidavit and will not levy your account. ARA also will not ruin your credit or take legal action against you. These are all empty threats geared towards scaring you into making a payment. You have rights under the law and we will help you enforce those rights. You should never pay a debt on the phone without first seeing something in writing. You were smart to ask for something in writing and not to make a payment on the phone. We'll go over your rights on the phone. Thanks, Mike.

Robert S

6 years ago

Case Description Hello I recivied a call from a collector today about a debit that is 15 years old and I havent heard anything in 10 years. They stated at first that I didnt respond to a settlement offer sent to old address. They said they had a federal affidavit and would levy my account unless I pay the 2999 by the end of the month. I said I didnt live there so they transferred me. The gentleman who got on the phone was worse. Said that he knew I had credit cards I wouldnt be able to use anymore he would levy my bank account and ruin my credit. Said I had to pay 699 today. When I said I needed something in writing about this he said he would email it. He never did but when I said I need to review this he said I was stalling and he would proceed with legal action. Im not sure what my rights are or if Im in the wrong or what to do. I don’t know what kind of action they can take and am afraid of to much happens I’ll loose my job.

Mike Agruss

6 years ago

Hi Anthony, You made the right decision not to reply back to this message. ARA's "case number" is scare tactic to think ARA filed a lawsuit against you. There's no lawsuit filed against you--don't worry. <a href="https://www.agrussconsumerlaw.com/630-835-0674/" target="_blank" rel="noopener nofollow ugc">630-835-0674</a> is one of ARA's numbers. I will help you stop these calls from ARA. I will also help you assert your rights under the law. Thanks, Mike.

Mike Agruss

6 years ago

Hi Rochelle, Yes, you and your husband do have a case against ARA, Inc., for violating the Fair Debt Collection Practices Act. Before doing anything regarding this debt, let's discuss your options on the phone. Please check your credit report in the meantime. I will help you figure this out. ARA cannot, and will not, sue you. Thanks, Mike.

Mike Agruss

6 years ago

Hi L.A., ARA will not sue you. I will help you stop this payment plan. Making threats to scare consumers into payment plans violates the Fair Debt Collection Practices Act (FDCPA). Fortunately, you find my firm. We help consumers go after ARA, Inc., for violating the FDCPA. Under the law, you're entitled to money damages and ARA will have to pay my firm's fees and costs. I'll discuss your rights with you further on the phone. Thanks, Mike.

Mike Agruss

6 years ago

I agree with you that this debt is a tad past the SOL. This is what ARA, Inc., does--collects debt WAY BEYOND the statute of limitations. ARA, Inc., does not have a pending case against you. I'm glad you realized this and did not fall for ARA's scare tactics. I can help you stop the calls. Please contact me at 888-572-0176 or at [email protected] Thanks, Mike.

Mike Agruss

6 years ago

Hi Douglas, ARA will not sue you, levy your bank, freeze your account, garnish your wife's wages, etc. These are all of the scare tactics ARA uses to get consumers, like yourself, to pay debt. Have you received anything in writing? Is this debt on your credit report. Let's discuss these type of issues on the phone. Thanks, Mike.

L.A.

6 years ago

Rochelle

6 years ago

ARA had contacted my husband's cellphone number this morning and I called them back on mine identifying me as his wife and they explained that we owe $15,106.28 by Washington Mutual .... he has never had an account with Washington Mutual and Logan Scott stated that it could have been an old credit card and that it dates from 2005. They have just called his cell phone again this afternoon and it looks like they will continue to call after he said that I will mark this as a refusal to pay after I stated I would check with my attorney to validate this debt. Do we have a case of harrassment yet or do they need to call a few more times? yeah they did threaten legal action from St. Louis County...and mentioned something about a petition of judgement but when asked if they sue he avoided the question and the debt is 13 years old!

Anthony

6 years ago

On 2017JUL06(10:19am), Yvette Yahn[?] called from 630-835-0674; and, left a voice message instructing me to call 888-686-9475(ext. 3093) regarding Case Number 3400507. I have not replied back!

7 years ago

got a call from Yvette Young at ARA....on my home AND my cell..... DEMANDING that i call back IMMEDIATELY regarding pending case #BlahBlahBlah.....first of all i don't do ANYTHING that i'm TOLD to do....i'm an adult, my bills are paid, and if you want a piece of me....go to the back of the line and i'll THINK about it..... since i have NO outstanding past due debts, i'm assuming this has to be debts from when i was married to my ex....whom i divorced in 1994....just a tad past the SOL time.... so Yvette.....go pound sand.....

Douglas

7 years ago

My wife got this call: John Power called from ARA 888-686-9475 ext 3068 He said I are being sued for $38,000.00 Case No. 3140-390-FL2327 It has to do with First USA Bank, visa, the debt was never satisfied. there are 3 collections agencies. Barclays is maxed chase ($500.00, owe $467.00)\ Capital 1-over limit $29.71 They are sending Whit Cliff info about this A BANK LEVY is pending, they are going to freeze your account, or if we share accounts, garnish m wife's account John Power said to call him.

Whether You Owe The Debt Or Not, We Can Help You!

Has ARA, Inc. Called From 888-686-9475 ?

All at ZERO COST to you.

Tell us your story.
We'll make things right.

How it Works

Frequently Asked Questions

What is the Fair Debt Collection Practices Act?

What is the Electronic Fund Transfer Act?

What is the Fair Credit Reporting Act?

Do I have to pay your fees and costs?

Do states have their own laws to protect consumers?

How does Mike Agruss Law help me?

Top Collection Violations

Real Reviews From Real Clients

888-686-9475

also appears as...

We helped thousands of people like you

Click on your state, learn your rights

We are listening

Submitted Comments

Other numbers used by ARA, Inc.

Quick Links

Customer Service

Contact Info

Office Locations

Whether You Owe The Debt Or Not, We Can Help You!

Has ARA, Inc. Called From 888-686-9475 ?

All at ZERO COST to you.

Tell us your story. We'll make things right.

How it Works

Frequently Asked Questions

What is the Fair Debt Collection Practices Act?

What is the Electronic Fund Transfer Act?

What is the Fair Credit Reporting Act?

Do I have to pay your fees and costs?

Do states have their own laws to protect consumers?

How does Mike Agruss Law help me?

Top Collection Violations

Real Reviews From Real Clients

888-686-9475

also appears as...

We helped thousands of people like you

Click on your state, learn your rights

We are listening

Submitted Comments

Other numbers used by ARA, Inc.

Quick Links

Customer Service

Contact Info

Office Locations

Tell us your story.
We'll make things right.