Is A.R.M. Solutions a Scam? How to Respond to Lawsuit

You’ve never heard of A.R.M. Solutions until they started calling about unpaid debt. Now debt collectors threaten you with a lawsuit if you don’t pay. How do you know you’re not being scammed?

You deserve answers. More importantly, you need a plan to respond and protect your rights.

Respond to A.R.M. Solutions Before Your Deadline

You have as little as 14 days to file an Answer to avoid default judgment. Don't let A.R.M. Solutions win by default and garnish your wages.

File Your Answer Now

What Is A.R.M. Solutions?

A.R.M. Solutions is a debt collection company that focuses on “diplomatic debt recovery.” They collect unpaid debts on behalf of creditors across multiple industries.

If they’ve contacted you, they’re trying to collect an unpaid debt. But that doesn’t mean you owe what they claim.

Who Does A.R.M. Solutions Collect For?

A.R.M. Solutions partners with organizations in several industries:

Commercial businesses
Medical facilities
Waste management companies
Propane and fuel providers
Media subscription services
Insurance companies

Always ask A.R.M. to identify your original creditor. You have the right to know who claims you owe money.

Is A.R.M. Solutions a Legitimate Company?

Yes, A.R.M. Solutions is a legitimate debt collection company. They have an A+ rating with the Better Business Bureau.

However, the Consumer Financial Protection Bureau reports many complaints against A.R.M. Solutions. Many complainants claim the debt isn’t legitimate.

Verify your debt before you pay anything.

How to Respond to A.R.M. Solutions

Debt collectors use high-pressure tactics to make you pay quickly. Don’t give in to pressure. Follow these steps instead.

Know Your Rights Under the FDCPA

The Fair Debt Collection Practices Act protects you from aggressive collection practices. Debt collectors cannot:

Call you outside 8 a.m. to 9 p.m.
Call you multiple times per day
Fail to identify themselves as debt collectors
Threaten to arrest you for unpaid debt
Use vulgar or offensive language
Discuss your debt with friends, coworkers, or family
Refuse to validate your debt
Contact you after receiving a Cease and Desist Letter

Document any violations. Report the company to the Federal Trade Commission at 877-382-4357 or the Consumer Financial Protection Bureau at 855-411-2372.

File an Answer to the Debt Collection Lawsuit

Never ignore a debt collection lawsuit. Even if you don’t believe the debt is yours, you must respond.

File an Answer with the court to show your willingness to fight. Our partner Solo helps you complete an Answer quickly and file it with the court.

Don’t delay. You typically have only 14 to 30 days to file an Answer. Miss the deadline and the court may issue a default judgment against you.

A default judgment means you lose automatically. A.R.M. Solutions can then garnish your wages or freeze your bank account. The court may also award them legal fees and collection costs.

Verify Your Debt With A.R.M. Solutions

Request that A.R.M. Solutions prove the debt is yours. Send them a Debt Validation Letter.

A proper validation letter should include:

The original creditor’s name
The original debt amount
Your payment history (if applicable)
The remaining debt balance
Evidence connecting you to the debt

Never make a payment until you verify the debt. Some collectors pressure you to make a “good faith” payment. Don’t fall for it.

A payment can restart the statute of limitations on old debt. You could make yourself liable for debt you didn’t actually owe.

Settle Your Debt for Less

If A.R.M. Solutions can’t prove the debt is yours, they may drop the case. You could win in court.

But if the debt is legitimate, settle for a lower amount. Most debt collectors accept reduced settlements rather than endure lengthy legal battles.

Start by offering 60% of the claimed amount. Be prepared to negotiate. The goal is a solution that works for both parties.

Our partner Solo helps you negotiate settlements without speaking directly to collectors. Payment is only due once you reach an agreement.

Your Next Steps Against A.R.M. Solutions

Debt collectors want you to feel powerless. But you have rights and options.

Respond to the lawsuit quickly. Verify your debt thoroughly. Negotiate a settlement that works for your budget.

You can resolve your debt for less and move forward with your life.

Frequently Asked Questions

What is A.R.M. Solutions and why are they contacting me?

A.R.M. Solutions is a debt collection company that collects unpaid debts for creditors in commercial, medical, waste management, propane, media subscription, and insurance industries. They're contacting you because they believe you owe a debt to one of their clients. Always verify the debt before paying.

How do I verify if A.R.M. Solutions debt is legitimate?

Request a Debt Validation Letter that includes the original creditor's name, original debt amount, payment history, remaining balance, and evidence connecting you to the debt. Never make a payment until you receive proper validation. A.R.M. Solutions must provide proof you owe the debt.

What happens if I ignore a lawsuit from A.R.M. Solutions?

If you ignore a lawsuit, the court will likely issue a default judgment against you. A.R.M. Solutions can then garnish your wages, freeze your bank account, and collect legal fees and court costs from you. You typically have only 14-30 days to respond with an Answer.

Can I settle my A.R.M. Solutions debt for less than I owe?

Yes, most debt collectors including A.R.M. Solutions will accept a reduced settlement rather than go through lengthy court proceedings. Start by offering 60% of the claimed amount and be prepared to negotiate. Only pay once you reach a written settlement agreement.

What are my rights when A.R.M. Solutions contacts me?

The Fair Debt Collection Practices Act protects you from aggressive collection tactics. A.R.M. Solutions cannot call outside 8 a.m. to 9 p.m., harass you with multiple daily calls, use vulgar language, threaten arrest, or discuss your debt with others. Report violations to the FTC or CFPB.

Is A.R.M. Solutions a Scam? Here’s How to Respond to Their Lawsuit