A.R.M. Solutions is a California-licensed accounts receivable management company, reached by mail in Camarillo, California. It collects mostly for home-services and recurring-billing businesses such as pest control, waste, propane and lawn care companies, and for healthcare providers.
- Type
- Collection agency
- Also known as
- A.R.M. Solutions, Inc.; ARM Solutions
- Collects
- pest control service bills, waste management and trash service bills, propane bills, lawn care bills, other recurring service bills, medical bills
- Phone numbers it lists
- (888) 772-6468
- Website
- armsolutions.com
114 debt collection complaints were sent to the Consumer Financial Protection Bureau about A.R.M. 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 A.R.M. Solutions?
A.R.M. Solutions is an accounts receivable management company. Its website says it has more than 20 years of collections experience, serves over 800 active clients, and is licensed and authorized to collect in all 50 states. It lists California collection license 10207-99, Nevada collection agency license CAD11481 and company NMLS ID 937594, and says it is SOC 2 certified.
The company's published contact details are a mailing address of P.O. Box 2929, Camarillo, California 93011-2929 and a phone number of (888) 772-6468. Consumers who received a notice are directed to a "Make a Payment" page on its website. We did not find a CFPB enforcement action against A.R.M. Solutions.
Why A.R.M. Solutions May Be Contacting You
A.R.M. Solutions focuses on businesses that bill customers on a recurring basis, especially home services. Its website names pest control, waste management, propane and lawn care companies, along with medical and healthcare providers, and says it handles both consumer and commercial accounts. It also offers early-stage "1st Party" programs, flat-fee collections, contingency collections and legal escalation.
Given that client base, a letter from A.R.M. might concern a final pest-control or lawn-care charge after you canceled, a trash service bill left over after a move, or an unpaid propane delivery. The letter should name the service company.
How to Check a Debt A.R.M. Solutions Says You Owe
Service-contract balances often turn on cancellation terms, so look at the contract before paying.
- Get the validation notice. It must name the creditor and break the balance into what was owed on the itemization date and what was added later (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the signed service agreement, the cancellation terms and the dates services were actually performed.
- Send your proof of cancellation. If you canceled service or moved, include the confirmation or receipt.
- Check fees. Early-termination and equipment charges must come from your agreement.
- Ask who owns the account, and confirm the service company still does.
- Mind the clock. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.
What A.R.M. Solutions Can and Can't Do
An agency that regularly collects consumer debts for other businesses is a "debt collector" under 15 U.S.C. § 1692a(6). Household services like pest control, trash pickup and propane are consumer debts when bought for your home; commercial accounts are not covered.
- It may not add a collection fee, convenience fee or interest your contract does not authorize (15 U.S.C. § 1692f(1)).
- It may not imply a lawsuit is coming unless one is actually intended and authorized (15 U.S.C. § 1692e(5)).
- It may not report a balance to the credit bureaus without first contacting you about the debt (12 C.F.R. § 1006.30(a)).
- It must stop contacting you, with limited exceptions, once you ask in writing (15 U.S.C. § 1692c(c)).
See can a collector add fees to my debt?, or visit our 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 A.R.M. 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
- A.R.M. Solutions: home page
- A.R.M. Solutions: Contact
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: A.R.M. Solutions, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that A.R.M. Solutions has violated any law. Company details change; tell us if something here is out of date.