AR Resources, Inc. is a Pennsylvania-based collection agency that focuses on healthcare and education accounts. It also collects for banks, home security companies and waste management companies.
- Type
- Collection agency
- Also known as
- AR Resources, Inc.
- Collects
- medical bills, college and education balances, bank accounts, home security bills, waste management bills
- Phone numbers it lists
- (866) 301-0222
- Website
- arresourcesinc.com
327 debt collection complaints were sent to the Consumer Financial Protection Bureau about AR Resources, 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 AR Resources?
AR Resources, Inc. calls itself a full-service receivable management and collection company serving creditors throughout the United States, and says it is "a collection & compliance company based in PA." Its mailing address is a post office box in Blue Bell, Pennsylvania, and its website title refers to operations in Pennsylvania and Florida. The company offers services ranging from pre-collection programs to bad-debt collections. Its site does not say when it was founded or who owns it, and we have not verified those facts elsewhere.
Why AR Resources May Be Contacting You
AR Resources says it "specializes in education collections and healthcare collections." On the education side, it says it works with educational institutions to collect student balances. On the healthcare side, it offers providers help with billing and insurance follow-up as well as collections. It also lists other clients: banks, home security businesses and waste management businesses.
So the most likely reasons for a letter or call are:
- an unpaid balance owed to a college or school, such as tuition or fees left after aid was adjusted or after withdrawal;
- a hospital or doctor's bill;
- a closed bank account with a negative balance;
- a home alarm or monitoring contract you cancelled or stopped paying; or
- a trash or waste collection bill.
How to Check a Debt AR Resources Says You Owe
Each of those account types has its own records, and the collector should be able to produce them.
- Start with the validation notice. It must name the creditor, itemize the balance from a stated date and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period and ask for documents that fit the account: a student ledger showing charges, aid and refunds; an itemized medical bill and insurance records; a bank statement showing how the negative balance arose; or the alarm contract and its cancellation terms.
- Ask who owns the debt now, and whether AR Resources is collecting as the creditor's agent.
- Check the math. Alarm contracts and school accounts often add cancellation fees or collection costs; ask for the contract term that allows each one.
- Check the age. In Texas, most debt suits must be brought within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Limitations rules vary in other states, and different rules apply to some federal student loans.
What AR Resources Can and Can't Do
AR Resources collects for creditors, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Some limits that matter for the debts it handles:
- It cannot add collection fees unless the contract or law permits them (15 U.S.C. § 1692f(1)).
- For a Texas medical bill, the provider must send an itemized bill before pursuing collection (Texas SB 490).
- It may not threaten a lawsuit, credit reporting or any other step that cannot legally be taken or that is not intended (15 U.S.C. § 1692e(5)).
- More than seven calls in seven days about one debt is presumed harassment (12 C.F.R. § 1006.14(b)(2)).
We did not find an enforcement action against AR Resources in the CFPB's enforcement actions list, the FTC's case database, the Connecticut Department of Banking's 2016–2026 consumer credit orders, California DFPI enforcement records or the New York DFS enforcement actions list, which we checked in November 2026. Read what a validation notice should include.
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 AR Resources 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
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that AR Resources has violated any law. Company details change; tell us if something here is out of date.