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Collection Practices
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After being contacted by Attorney Recovery Systems, Inc. regarding a very substantial debt, I decided to file bankruptcy. I did not hear from ARS during the bankruptcy; however, within a week of the debt being discharged, ARS started calling demanding payment. I sent information regarding the bankruptcy to the representative assigned to my case. The calls continued. According to the last call, the creditor has authorized litigation as I have ignored all efforts to resolve the matter. According to ARS' website, the fee for litigation is a non-refundable 5-10% of the overall debt. Given that the debt was discharged, it is highly unlikely that a suit will be successful. Obviously, I have no information as to whether this creditor has been informed of my bankruptcy; however, the collecting of a non-refundable fee to initiate a law suit for a debt that has been discharged seems quite questionable even if a creditor authorized a suit.
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