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Report: #227041

Complaint Review: American Recovery Systems - MT. PROSPECT Illinois

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  • Reported By: Newport Beach California
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  • American Recovery Systems 1699 WALL ST, SUITE 300 MT. PROSPECT, Illinois U.S.A.

American Recovery Systems, Blatantly Violates the FDCPA and the Rosenthal Fair Debt Collection Practices Act MT. PROSPECT Illinois

*Consumer Suggestion: Vincent, don't spend money on that attorney YET!

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On October 10, 2006 I received notice from American Recovery Systems that they were collecting on a debt that had been paid. I notified them in writing by certified mail that I did not owe the debt and to cease collecting on the debt or prove that I owed it (which I know they can not do).

Within six days of receiving my letter, Ms. "Deborah Henderson" sent me a letter from ARS asking if I would be interested in a settlement. I then filed a complaint with the FTC (I know they don't do anything on an indidvidual basis but if they get enough complaints they will investigate the company).

Then the phone calls started on my cell. Starting December 15, 2006 I would get a recorded call requesting me to call Ms. Henderson. Then December 19 I received another letter stating they have been unsuccesful in trying to reach me by phone and have not received any response to the letters they had sent.

Since I disputed the debt in writing within thirty days of the first notice from them and they have not verified the debt and continue to attempt to collect the debt they are in clear violation of the FDCPA.

They will now hear from me through my attorney.

This seems to be a common thread with this company and they really need to stop conducting business like this.

A little more about this company:


Agent Address: 7250 N Cicero Suite 200
Lincolnwood, Illinois, 60712

President: BETH LUBECK
155 N Harbor Dr, #3303
Chicago, Il 60601


These are the people that are running a slimy business. Let them know what scum they really are.

Newport Beach, California

This report was posted on Ripoff Report on 12/24/2006 02:34 PM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Vincent, don't spend money on that attorney YET!

AUTHOR: Steve [Not A Lawyer] - (U.S.A.)

POSTED: Sunday, December 24, 2006


First of all, I need to let you know that the 30 day period the debt collector gives you to respond, is not actually a law, it is just what they want.

Under federal law, even if you never respond to a collection letter, your rights are not affected. That is just a scam to get you to respond.

Try one more thing before spending money on a lawyer. Write another letter which you should title a 2nd notice due to the failure of them to respond to or comply with your first one, and indicate the certified# of the last one sent and the date.

Now, when you send this one, be sure to put the certified# on the letter itself, and keep a copy of the letter for your records. This procedure is very important as it proves what you sent.

In this letter clearly state that they are to CEASE ALL COMMUNICATION with you. Also state that failure to comply with this request will result in an immediate lawsuit as provided for under the provisions of the FDCPA.

Also inform them that they are engaging in a frivolous collection as the alleged debt has been paid and you have provided them proof already. Tell them that any further attempts to collect this nonexistant debt will possibly result in criminal charges for fraud being brought.

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