How to Settle Debt With ARstrat and Win Your Case

Debt collectors can make your life miserable. You know the stress when collectors constantly call and harass you.

ARstrat continues to call despite your requests to stop. They demand personal information and ignore your boundaries. Sound familiar?

You can fight back against ARstrat and win. Our partner Solo has a proven plan to help you beat them.

What Is ARstrat and How Does It Work?

ARstrat is a Houston-based debt collection agency founded in 2007. The company specializes in collecting bad debt for healthcare providers.

Their customers include hospitals, academic medical centers, and clinics.

Debt collection agencies like ARstrat operate in two ways:

• Healthcare providers hire them to collect debts for a fee
• They buy your debt for pennies on the dollar and keep all payments

You may have never heard of ARstrat before they contacted you. Debt buyers create confusion when they purchase debts from original creditors.

Many people think debt buyers are scammers. ARstrat is legitimate, even if you don’t recognize them.

Here are ARstrat’s contact details:

ARstrat, LLC
NMLS# 1456896
T: 888-250-6379
14141 Southwest Freeway, Suite 300
Sugar Land, TX 77478

Know Your Rights When ARstrat Contacts You

You have powerful rights under the Fair Debt Collection Practices Act. The FDCPA stops unfair and abusive debt collection practices.

ARstrat must prove the debt before collecting a single dollar. Don’t let them bully you with lawsuit threats.

Send a Debt Validation Letter to ARstrat within 30 days of contact. They must stop collection efforts if they lack sufficient evidence.

ARstrat must follow strict rules when contacting you:

• No calls before 8 a.m. or after 9 p.m.
• No discussing your debt with friends or family (except your spouse)
• No calling you at work
• No vulgar or threatening language
• No continued calls after you request written communication only
• No threats of legal action they don’t plan to take
• No pretending to be associated with the government

Report violations to the FTC, CFPB, or your state’s attorney general. You may qualify for compensation.

How to Respond to a Debt Lawsuit From ARstrat

ARstrat buys debt, so make them prove they have standing to sue. Fighting back can save you thousands of dollars.

Debt collectors often lose cases when consumers respond properly.

You receive a Summons and Complaint when ARstrat sues you. You have up to 35 days to respond before losing by default.

Default judgments allow wage garnishment and property liens. You must avoid this outcome at all costs.

Respond with a written Answer using these three steps:

1. Answer each claim in the Complaint
2. Assert your affirmative defenses
3. File the Answer and send a copy to ARstrat’s lawyers

Our partner Solo helps you draft and file your Answer in just 15 minutes.

Answer Each Claim in the Complaint

The Summons notifies you of the lawsuit. The Complaint lists specific claims against you.

Your Answer must respond to each numbered claim. Use these three responses:

• Admit (confirms the claim is true)
• Deny (requests proof)
• Deny due to lack of knowledge

Deny as many claims as possible to force ARstrat to prove everything. Admitting claims guarantees they win.

Assert Your Affirmative Defenses

Affirmative defenses are facts that defeat ARstrat’s claim if proven true.

ARstrat may have sued the wrong person due to mistaken identity. You have a strong defense if the debt belongs to someone else.

Common name confusion leads to many wrongful lawsuits. The debt might belong to a family member or ex-spouse.

Check the debt amount against your records. Wrong amounts create valid defenses even if you owe something.

The statute of limitations is your strongest defense. Each state limits how long collectors can sue for debts.

Example: Adam faces a lawsuit for a $500 credit card debt in Texas. He discovers Texas has a four-year statute of limitations on credit cards. His account shows no activity for six years. Adam files an Answer using the expired statute as his defense. The court dismisses the case.

File Your Answer and Serve ARstrat’s Attorney

File your completed Answer with the court before the deadline. Mail a copy to ARstrat’s attorney on the same day.

Keep a copy for your records. The filing deadline passes quickly.

Our partner Solo files your Answer in all 50 states within minutes.

Negotiate a Settlement With ARstrat

Most collectors accept lump-sum settlements for less than you owe. You can often settle for 30% to 50% of the total.

ARstrat may accept a settlement offer through structured negotiation. Send them an offer to resolve the debt quickly.

Example: You owe $600 and offer $300 immediately to settle. ARstrat might accept your offer on the spot.

Collection agencies typically collect 75% to 80% of debts. Some accept one-third or less depending on circumstances.

ARstrat Has a Poor Reputation

The Better Business Bureau gives ARstrat an “F” rating. The company is not BBB accredited.

ARstrat has 25 complaints over three years on BBB’s website. Only seven complaints were resolved in the past year.

Most complaints involve billing and collection practices. The Consumer Financial Protection Bureau lists 14 complaints against ARstrat.

Here’s a real complaint from a consumer:

“I received a collections letter for a bill I don’t owe. The employee yelled at me throughout our conversation. She blamed the hospital and refused to help resolve the issue. I couldn’t finish a sentence without being interrupted.”

ARstrat’s reputation speaks volumes about their tactics. You can fight back and win with the right strategy.