Asset Recovery Bureau: Who They Are and Your Rights

Type

Collection agency

Also known as

Asset Recovery Bureau LLC; ARB

Headquarters

Lackawanna, NY

Collects

consumer lending accounts, financial services accounts

Phone numbers it lists

(844) 620-1861

Website

thearbllc.com

80 debt collection complaints were sent to the Consumer Financial Protection Bureau about Asset Recovery Bureau LLC 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 Asset Recovery Bureau?

Asset Recovery Bureau LLC, which calls itself ARB, is a third-party collection agency in Lackawanna, New York, just south of Buffalo. Its About page says it was founded in 2016, is owned and run by its executive team, and serves consumer and commercial clients nationally. The site gives two Abbott Road addresses in Lackawanna (1212 Abbott Road on the About page and 1971 Abbott Road, Suite A, in the footer), and it lists NMLS ID 2241217. The Texas Secretary of State's records show an active debt collector bond for Asset Recovery Bureau LLC, filed September 26, 2022, at 1212 Abbott Road, Suite C. The site says it offers services in English only. We did not find a CFPB enforcement action against Asset Recovery Bureau.

Several unrelated companies use similar "asset recovery" names, so check that the address and phone number on your letter match the ones above.

Why Asset Recovery Bureau May Be Contacting You

ARB says it works mainly in "consumer lending, and financial services." It does not name its clients. A message from ARB is therefore most likely about an unpaid loan, credit line or other financial account that a lender or a later account owner placed with it. Its website describes automated outreach: an auto-dialer, automated messages and AI-assisted digital messages aimed at past-due consumers. Expect calls, texts or emails as well as letters. The site's "Contacted by ARB" page points people to an online portal at portal.thearbllc.com to review or pay an account.

How to Check a Debt Asset Recovery Bureau Says You Owe

• Identify the lender. The validation notice must name the creditor the debt was owed to on the itemization date and the current creditor (12 C.F.R. § 1006.34(c)). Compare those names with your own loan records.
• Look at the itemization. The notice must show interest, fees, payments and credits since that date. Loans often carry interest and late fees, so make sure the balance matches your agreement.
• Dispute in writing within the validation period (15 U.S.C. § 1692g(b)) if you do not recognize the loan or think it was paid or settled. Ask for the loan agreement and payment history. Our dispute guide walks through it.
• Don't pay through a link you can't verify. If a text or email looks off, call the number on ARB's own website instead.
• Check the age of the debt. Texas usually 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). Other states have their own deadlines.

What Asset Recovery Bureau Can and Can't Do

ARB collects debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6).

• Automated calls count toward the Reg F limit: no more than seven call attempts in seven days per debt (12 C.F.R. § 1006.14(b)(2)); see call limits.
• Each text or email must tell you how to opt out, and you can stop them by replying as instructed (12 C.F.R. § 1006.6(e)).
• It may not email you at an address it knows is your work email in most cases (12 C.F.R. § 1006.22(f)(3)).
• It may not threaten a lawsuit it does not intend to file, and in Texas it cannot garnish wages for an ordinary consumer loan (Tex. Const. art. XVI, § 28); see wage garnishment in Texas.

If its contacts went too far, 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 Asset Recovery Bureau 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

• Asset Recovery Bureau: home page
• Asset Recovery Bureau: About
• Asset Recovery Bureau: What we do
• Asset Recovery Bureau: Contacted by ARB
• BBB business profile: Asset Recovery Bureau (Lackawanna, NY)
• Texas Secretary of State debt collector bond search (Asset Recovery Bureau LLC)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Asset Recovery Bureau LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Asset Recovery Bureau has violated any law. Company details change; tell us if something here is out of date.