Atlantic Recovery Solutions, LLC is a debt recovery agency in Getzville, New York, near Buffalo. It collects past-due accounts such as credit card and personal loan defaults, auto deficiencies, medical bills and utility balances.
- Type
- Collection agency
- Also known as
- Atlantic Recovery Solutions, LLC
- Headquarters
- Getzville, NY
- Collects
- credit card and personal loan defaults, auto loans and repossession deficiencies, medical and healthcare bills, utility and telecommunications accounts, retail and commercial receivables
- Phone numbers it lists
- (716) 636-0100
- Website
- atlanticrecoverysolutions.com
255 debt collection complaints were sent to the Consumer Financial Protection Bureau about Atlantic Recovery Solutions 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 Atlantic Recovery Solutions?
Atlantic Recovery Solutions, LLC calls itself a nationally licensed, insured and bonded debt recovery agency. Its website lists an office at 33 Dodge Road, Suite 108, Getzville, New York 14068, in the Buffalo suburbs, and gives (716) 636-0100 as its number for complaints and general information. The site mentions membership in ACA International and RMAI but does not list license numbers or the states that license it.
We did not find a CFPB enforcement action against Atlantic Recovery Solutions.
Why Atlantic Recovery Solutions May Be Contacting You
The company says it recovers past-due accounts for banks, credit unions, medical providers, retailers, service companies, financial companies, local merchants and housing facilities. The account types it names include credit card and personal loan defaults, auto loans and repossessions, medical bills, utility and telecom accounts, and retail and commercial receivables. Its website also speaks of serving "investors," so ask directly whether the creditor named in your letter is the original lender or a later owner of the account.
If the account is an auto deficiency, the balance usually reflects what was left after a repossessed vehicle was sold. Those numbers deserve a close look.
How to Check a Debt Atlantic Recovery Solutions Says You Owe
- Start with the validation notice. It must give the creditor's name, an itemized balance and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing. Mail a dispute within the validation period and keep proof. Ask for the signed contract, the charge-off statement and the full payment history.
- Ask about ownership. Request the name of the current owner and, if the account was sold, the chain of assignment back to the original creditor.
- For a repossession, demand the sale paperwork. Ask for the notice of sale, the sale price and the itemized repossession and storage charges. See can I be sued for a car deficiency after repossession?
- Check the age of the debt. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Other states' periods differ, so get advice before promising a payment on an old account.
What Atlantic Recovery Solutions Can and Can't Do
An agency that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6). If a company buys defaulted accounts and collects them, it can also be a debt collector when collecting debts is its principal purpose, even though Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), held that owning the debt alone does not trigger the "regularly collects for another" test.
- Its letters and calls must say they come from a debt collector (15 U.S.C. § 1692e(11)); Regulation F allows only a narrow "limited-content" voicemail as an exception (12 C.F.R. § 1006.2(j)).
- It may not call more than seven times in seven days about one account without that being presumed harassment (12 C.F.R. § 1006.14(b)(2)).
- It may not threaten to sue on a debt that is too old to sue on (12 C.F.R. § 1006.26(b)).
- It may not falsely threaten to take property or wages; in Texas, wages generally cannot be garnished for ordinary consumer debts (Tex. Const. art. XVI, § 28). See can a creditor garnish wages in Texas?
Learn more on 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 Atlantic Recovery 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
- Atlantic Recovery Solutions: home page
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Atlantic Recovery Solutions LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Atlantic Recovery Solutions has violated any law. Company details change; tell us if something here is out of date.