AA Recovery Solutions, Inc. is a receivables management and call center company in Amherst, New York. It collects for financial institutions, retailers, student loan clients and debt buyers, so its calls usually concern a charged-off card, loan or retail account.
- Type
- Collection agency
- Also known as
- AA Recovery; AARS
- Headquarters
- Amherst, NY
- Collects
- financial institution accounts, retail and e-commerce accounts, student loans, debt buyer portfolios
- Phone numbers it lists
- (844) 478-8999
- Website
- aarecoverysolutions.com
48 debt collection complaints were sent to the Consumer Financial Protection Bureau about AA Recovery Solutions, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is AA Recovery Solutions, Inc.?
AA Recovery Solutions, Inc. is an accounts receivable management (ARM) company at 25 Northpointe Parkway, Suite 150, in Amherst, New York, a suburb of Buffalo. Its website says it was founded in 2018 by a group of financial institutions. Besides collections, it advertises call center and business process outsourcing work such as customer care, back-office support and telemarketing.
The Texas Secretary of State's debt collector bond records list AA Recovery Solutions, Inc. at the Amherst address with an active bond filed in 2022, and an earlier, now-canceled bond at a Clearwater, Florida address. We did not find a CFPB enforcement action against AA Recovery Solutions.
Why AA Recovery Solutions May Be Contacting You
The company's services page says it handles first-party, third-party and "specialty" debt recovery. It names several kinds of clients: large financial institutions, brick-and-mortar and online retailers, student loan clients, and debt buyers with varied portfolios. It also mentions filing and verifying "SOJs," a common abbreviation for satisfactions of judgment.
So a call from AA Recovery could be about a bank card or loan, a store account, a student loan, or an old account a debt buyer purchased. Because the company also does first-party work (calling in a client's own name), the caller should still identify itself and the creditor clearly.
How to Check a Debt AA Recovery Solutions Says You Owe
When a debt buyer is behind the account, the chain of ownership matters as much as the amount. Here's how to check:
- Read the validation notice. 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 require the collector to name the current creditor, itemize the balance from a reference date, and tell you when the dispute period ends.
- Ask who owns it now. If a debt buyer is named, ask for the original creditor and the account number it used. Our guide to unfamiliar company names explains why that matters.
- Check the math. Compare the charge-off balance and any interest added later with your own statements.
- Dispute in writing within the validation period if anything doesn't match. Collection must pause until verification is mailed.
- Check the date. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). See our note on HB 996. Limitation periods vary from state to state.
What AA Recovery Solutions Can and Can't Do
When AA Recovery collects consumer debts for a creditor or debt buyer, it is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA applies. When it handles a client's accounts in the client's own name before default, other rules, such as state law and the client's own obligations, may apply instead. Some practical limits:
- It may not place more than seven calls in seven days to you about one debt (12 C.F.R. § 1006.14(b)(2)). See how many times a collector can call.
- It may not call before 8 a.m. or after 9 p.m. your time, or at work if it knows your employer forbids it.
- It may not misrepresent who owns the debt or that a lawsuit is pending.
- It may not threaten to garnish wages for an ordinary consumer debt in Texas (Tex. Const. art. XVI, § 28).
The company's consumer page invites feedback and complaints to its compliance team. If you think a collector broke the law, our Texas FDCPA attorneys can review it.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If AA Recovery Solutions, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- AA Recovery Solutions: home page
- AA Recovery Solutions: About
- AA Recovery Solutions: Services
- AA Recovery Solutions: Consumers
- Texas Secretary of State: debt collector bond search (AA Recovery Solutions, Inc.)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: AA Recovery Solutions, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that AA Recovery Solutions, Inc. has violated any law. Company details change; tell us if something here is out of date.