Account Resolution Corporation, or ARC, is a full-service collection agency in Chesterfield, Missouri, founded in 2003. It collects unpaid accounts for its business clients, so a call from ARC means a creditor placed a past-due account with it.
- Type
- Collection agency
- Also known as
- ARC
- Headquarters
- Chesterfield, MO
- Phone numbers it lists
- (866) 933-3346, (636) 733-3346
- Website
- arc1.biz
84 debt collection complaints were sent to the Consumer Financial Protection Bureau about Account Resolution Corporation 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 Account Resolution Corporation?
Account Resolution Corporation (ARC) is a privately held collection agency at 700 Goddard Avenue in Chesterfield, Missouri, a St. Louis suburb. Its About page says James P. Hill, Jr. founded it in April 2003, that it is an S corporation of which he owns all the stock, and that it works from a call center in the St. Louis area. ARC calls itself a "full-service collection agency" and says it has offered nationwide coverage since 2003. We did not find a CFPB enforcement action against Account Resolution Corporation.
In August 2022 ARC acquired Employmentskiptracing.com, a business that supplies employment and bank information to collection attorneys, debt buyers, finance companies and collection agencies.
Why Account Resolution Corporation May Be Contacting You
ARC's site does not say which industries or creditors it works for, and we did not confirm them elsewhere. The name of the creditor should appear in ARC's first letter, or in the validation notice it must send soon after its first contact. If ARC calls before you have seen anything in writing, ask for the creditor's name and the account number and request that the notice be mailed.
ARC lists toll-free (866) 933-3346 and a corporate number of (636) 733-3346. Its site states that its communications are from a debt collector.
How to Check a Debt Account Resolution Corporation Says You Owe
Because ARC is affiliated with a skip-tracing business, it may reach you at a new phone number or address. Getting contacted somewhere new doesn't mean the debt is yours. Check the details.
- Read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should identify the creditor and show the balance on the itemization date, plus later interest, fees, payments and credits.
- Dispute in writing within the validation period if you don't recognize the account, and ask for records connecting it to you, such as a signed application or statements in your name.
- Check for identity theft. If the debt came from fraud, Texas law gives you a way to make the collector stop; see Texas HB 4238.
- Ask whether the creditor still owns the debt or whether it was sold to a debt buyer.
- Know the time limit. Most Texas debt suits must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states' limits differ.
What Account Resolution Corporation Can and Can't Do
ARC is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer debts for its clients.
- When it calls someone else to locate you, it may not say that you owe a debt (15 U.S.C. § 1692b(2)).
- It may not call before 8 a.m. or after 9 p.m. your local time unless you agree (15 U.S.C. § 1692c(a)(1)).
- It may not falsely threaten to garnish wages. Texas does not allow wage garnishment for ordinary consumer debts (Tex. Const. art. XVI, § 28).
- It must stop calling about the debt if you tell it in writing to stop (15 U.S.C. § 1692c(c)).
If ARC's contacts seemed improper, see our Texas FDCPA attorneys page.
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 Account Resolution 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
- Account Resolution Corporation: home page
- Account Resolution Corporation: About
- CFPB enforcement actions search: Account Resolution
- CFPB Consumer Complaint Database: Account Resolution Corporation, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Account Resolution Corporation has violated any law. Company details change; tell us if something here is out of date.