Arbor Professional Solutions is the current name of the Ann Arbor Credit Bureau, a Michigan collection agency that says it has recovered overdue accounts for clients since 1924. It collects for businesses in southeast Michigan and elsewhere.
- Type
- Collection agency
- Also known as
- Arbor Professional Solutions, Inc.; Ann Arbor Credit Bureau
- Headquarters
- Ann Arbor, MI
- Phone numbers it lists
- (800) 741-6955
- Website
- arborps.com
69 debt collection complaints were sent to the Consumer Financial Protection Bureau about Arbor Professional 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 Arbor Professional Solutions?
Arbor Professional Solutions, Inc. is a debt collection agency at 2090 S. Main Street in Ann Arbor, Michigan. Its website announces that "Ann Arbor Credit Bureau is now Arbor Professional Solutions," so older letters or credit report entries may use the earlier name. The company says it has been helping clients recover overdue receivables since 1924 and serves businesses in southeast Michigan and beyond. It lists memberships in the Michigan Association of Collection Agencies and ACA International, and its pages carry the notice that communications are from a debt collector. We did not find a CFPB enforcement action against Arbor Professional Solutions.
Why Arbor Professional Solutions May Be Contacting You
Arbor's website does not name its clients or the kinds of accounts it handles. It describes a "full range of debt recovery options" for client businesses. If you have lived, worked, studied or received services in the Ann Arbor or wider Detroit area, the account may be from a local business, landlord, provider or institution there. Your letter should name the creditor. If the name on your credit report reads "Ann Arbor Credit Bureau," it is the same company.
How to Check a Debt Arbor Professional Solutions Says You Owe
With a regional agency, the account may come from a place you left years ago. Make the agency show its work.
- Read the validation notice for the creditor's name, the itemization date and the balance breakdown (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if anything looks unfamiliar, and ask for the original bill or contract, your last payment date and any charges added since; see how to dispute a debt.
- Ask who owns the debt and whether Arbor is collecting for the original business.
- Check for duplicates. If the same account was reported under "Ann Arbor Credit Bureau" and "Arbor Professional Solutions," dispute the duplicate with the credit bureaus.
- Mind the limitations period. Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Michigan and other states use different periods.
What Arbor Professional Solutions Can and Can't Do
As an agency collecting debts owed to its clients, Arbor is a "debt collector" under 15 U.S.C. § 1692a(6).
- It must identify itself as a debt collector in its communications (15 U.S.C. § 1692e(11)).
- It may not report a debt it knows is disputed without noting the dispute (15 U.S.C. § 1692e(8)).
- It may not call your workplace if it knows your employer forbids such calls (15 U.S.C. § 1692c(a)(3)).
- It may not exceed seven call attempts in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If its collection 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 Arbor Professional Solutions 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
- Arbor Professional Solutions: home page
- Arbor Professional Solutions: About Us
- CFPB Consumer Complaint Database: Arbor Professional Solutions, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Arbor Professional Solutions has violated any law. Company details change; tell us if something here is out of date.