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Virtual Debt Resolution

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This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

A Stress-Free Experience

Advanced Recovery Systems, Inc. offers you this free service to resolve your debt without speaking with a collector with a simple and stress-free process.

Step 1

Step 2

Payment

Choose the option that best suits your need and set up your payment

Step 3

Confirmation

Receive the confirmation letter

Security is our priority

This site uses state-of-the-art cryptographic algorithms during data transmission (industry standard TLS with AES from 128-bit and up) and in our databases (encryption with unique keys). Data is hosted on Amazon AWS infrastructure configured to meet SAS70, ISO 27001 and PCI DSS Level 1 certifications with 24x7 monitoring.

Frequently Asked Questions

Where do I find the Reference Number for my account?

The Reference Number should be clearly identified in our invitation to resolve your debt online. If you cannot locate or do not know the Reference Number, please Read more... contact us. Read less...

What if my Reference Number and SSN don't work?

Confirm you have correctly entered the Reference Number and the last 4 digits of your SSN. If you still cannot log in, your information may be incorrect or the special opportunity may Read more... have expired. In that case, please contact us to find out why you cannot log in. Read less...

What payment methods do you accept?

Visa, Mastercard, American Express and Discover debit or credit cards are allowed.You may set up direct withdrawal from your savings or checking account.

When are the payments withdrawn?

The first payment will be processed on the date that you select. Payments made outside regular business hours may be posted on the next business day. If more than one payment is set Read more... up, the payment will automatically occur on the same date each monthly/semi-monthly/weekly/bi-weekly period thereafter. Should the payment fall on the 29^th, 30^th or 31^st of the month and that date does not exist in an upcoming month, the scheduled payment will be withdrawn on the next business day (usually the 1^st of the following month). You may review your account status online by logging into your account at any time to verify payment receipt and posting. Read less...

What happens if I am late in making a payment towards my resolution?

Should we receive a late payment, the agreement may be considered null and void. The full balance, less any payments applied to the account, may be due. If you anticipate being late Read more... with a payment, please contact us before the scheduled payment is due to discuss what options may be available to you. Read less...

What happens if I miss a payment after I have agreed to resolve my account?

Your agreement to resolve the account is based on all payments being received on time. Should you miss a payment, the agreement may become null and void. The full balance, less any Read more... payments applied to the account, may be due. If you anticipate missing a payment, please contact us before the scheduled payment is due to discuss what options may be available to you. Read less...

Will I pay taxes on the amount of debt forgiven?

We do not provide tax advice. The following is for general information purposes only. The discharge of indebtedness may be considered taxable income. Resolutions that result in debt Read more... forgiveness of an amount equal to or greater than $600 may be reported to Internal Revenue Service. As to whether you will have a tax consequence is based on your specific financial situation at the time of the account resolution. For more information, visit www.irs.gov or seek the advice of a tax professional or other qualified advisor. Read less...

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