Absolute Resolutions Corporation: Who They Are and Your Rights

Type

Debt buyer and servicer

Also known as

Absolute Resolutions Corp.; ARC

Collects

charged-off consumer accounts, business credit cards and lines of credit, commercial leases, specialty finance accounts

Phone numbers it lists

(800) 713-0670, (888) 766-4028

Website

absoluteresolutions.com

1,682 debt collection complaints were sent to the Consumer Financial Protection Bureau about Absolute Resolutions Corp. 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 Absolute Resolutions Corporation?

Absolute Resolutions Corporation (ARC) says it has "purchased and managed debt from all originating creditor types and sizes" since its founding in 2001. Its FAQ describes ARC as "a receivables management company focused on servicing debt portfolios acquired by our affiliated entities." In plain terms, affiliated companies own the accounts and ARC manages them.

ARC says it is a Certified Professional Receivables Company under the Receivables Management Association International program. Its website lists NMLS ID 1678180 and a mailing address at PO Box 243, Minneapolis, Minnesota.

Why Absolute Resolutions May Be Contacting You

According to ARC's FAQ, a letter from ARC "means that we or one of our Affiliates now owns a debt that you previously owed to another creditor," and you will need to work with ARC rather than the original creditor. Its home page says it specializes in distressed consumer receivables, business cards and lines of credit, commercial leasing and specialty finance portfolios "purchased directly from originators."

ARC also says it works with "an extensive Servicer Network," so another company may contact you about an account ARC or an affiliate owns. Because the accounts are owned by affiliates, the name on a lawsuit may not be "Absolute Resolutions Corporation." If you have been sued by Absolute Resolutions Investments, LLC, our guide to being sued by Absolute Resolutions Investments in Texas covers those cases. ARC lists (888) 766-4028 for credit reporting and account questions and (800) 713-0670 for other inquiries.

How to Check a Debt Absolute Resolutions Says You Owe

Because the owner, the servicer and the company that writes to you may all be different, pin down each one.

• Identify the owner. Ask in writing which entity owns the account today, and when and from whom it bought it. The validation notice must name the creditor and the original account details as of the itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute within the validation period and ask for the chain of title: each bill of sale and the account-level record showing your account was included. See what lack of standing means in a debt buyer case.
• Check whether it is a consumer debt. ARC buys business cards, lines of credit and commercial leases as well as consumer accounts. The FDCPA protects only debts incurred mainly for personal, family or household purposes (15 U.S.C. § 1692a(5)), so note how you used the account.
• Check the age. In Texas the usual limit to sue on a consumer debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a consumer debt once that period has run (Tex. Fin. Code § 392.307). Limits differ elsewhere.

What Absolute Resolutions Can and Can't Do

ARC services accounts owned by its affiliates. Collecting debts owed to another entity, even a related one, can bring a company within the FDCPA's "regularly collects debts owed to another" prong, and a company whose principal purpose is debt collection is covered regardless of who owns the debt (15 U.S.C. § 1692a(6)). After Henson v. Santander Consumer USA Inc. (2017), a pure buyer collecting for itself is covered only under the principal-purpose prong.

• It may not sue or threaten to sue on a time-barred consumer debt (12 C.F.R. § 1006.26(b)).
• It may not report the account to a credit bureau before communicating with you about it, and must note any dispute you make (12 C.F.R. § 1006.30(a); 15 U.S.C. § 1692e(8)).
• It may not add interest or fees the original agreement does not allow (15 U.S.C. § 1692f(1)).
• It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).

If an ARC collection crossed these lines, see our Texas FDCPA attorneys page.

Being sued by Absolute Resolutions Corporation? Read our full lawsuit guide →

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 Absolute Resolutions Corporation 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

• Absolute Resolutions Corporation: home page
• Absolute Resolutions Corporation: About us
• Absolute Resolutions Corporation: FAQ
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Absolute Resolutions Corp., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Absolute Resolutions Corporation has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.