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Ability Recovery Services LLC


1 Montage Mountain Road
Moosic, PA 18507

921 Oak St
Scranton, PA 18508-1235

Contact Them:

855 207-1892

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. tormae Waring on January 2, 2015 at 9:30 am

      They called me about an account with Wachovia bank about 3 or 4 years ago and threatened to have me prosecuted.

    2. Vicki C. on March 19, 2015 at 6:46 pm

      I received a letter from Ability Recovery Services claiming that I had a debt of almost $3500 from college. A few days later I received a letter from a different collection agency saying that I owed the college around $2500. I contacted the college and found out that I do still owe them approximately $1000. The college says they are working with the other collection agency and not Ability Recovery Services. Ability Recovery Services are a bunch of thieves and they have 90 complaints with the Better Business Bureau.

    3. Maurice R. on April 12, 2015 at 1:10 pm

      Ability Recovery Services LLC calls from 5702071892, 5702073383, 8552071892, 8667606205, and 5702073383. Ability Recovery Services LLC also known as ARS, LLC, ACC, Inc., American Credit & Collections, LLC, and American Credit & Collections, Inc.

    4. Michael K on April 21, 2015 at 7:35 pm

      I was a student at Penn Foster and my account was sold to Ability Recovery Services. Still getting calls from Ability Recovery Services.

    5. Brett T. on May 3, 2015 at 5:32 pm

      Ability Recovery Services is reporting a collection account on credit reports. I have never heard of Ability Recovery Services, nor does my credit report specify what this account was for. It was supposedly opened with Ability Recovery Services in 2013. On my credit report Ability Recovery Services is reporting this as an “open” account. Ability Recovery Services have never contacted me regarding this account. This is not mine and I want Ability Recovery Services removed from my credit report immediately.

    6. Jon C. on May 29, 2015 at 10:36 pm

      Ability Recovery Services LLC is trying to collect a bill I already paid. I have a copy of check and where this company has cashed it. Ability Recovery Services LLC is still on my credit report claiming I owe this money.

    7. Troy J, on June 11, 2015 at 11:58 pm

      I have paid Ability Recovery Services LLC in full. Ability Recovery Services LLC has not updated my credit report stating that the account is paid.

    8. Teisha on July 6, 2016 at 9:14 am

      I was also a student at Penn Foster. When I became pregnant with complications, I asked if there was some way I could stall payments or classes. They advised since the program is at your own pace, no. Of course I understand that, however I was absolutely unable to complete my studies in their year time frame. So, I stopped. This agent calls my job 3 times a week, 2 calls back to back every time. I advised them they cant call me here, they still do.
      I have every plan to finish with Penn Foster, I only have a year left, but this agency is absolutely harassing me at my job.

    9. ROSA CORRAL on August 16, 2016 at 5:32 pm

      i have been harassed by two rude people from your office. I received a call a couple of weeks ago and they told me i owed 40.00 for hospital bill. i told them i had already paid a my co-pay .

      The 2nd time i received a call the lady was extremely rude and hung up, so i called back and the other person was just the same.

      I would like to see the bill from the person that charging , since I have not received any bill of any kind to the email abouve.


    10. Jazmine M. on October 28, 2016 at 3:15 pm

      I was attending Penn Foster online classes with an agreement of a monthly payment. The monthly amount was coming out of my parents account but became an issue after my grandfather unexpectedly passed away and my parents couldn’t pay due to his burial expenses so my account got behind. I started a contingent job with sometimes part-time hours. I work between two to three days a week and sometimes only one day. When I made the arrangements with this company I was told that if I need to make changes as far as payment goes to call, which I have been doing. I called several times to make changes due to my hours at work. If I don’t work enough hours in a week to make my payment it is only right for me to call and let the representative know. After I received my check which is every Friday I called Courtney K. at 855-207-1892 ext. 204 to let her know that I will be changing my payment date from Oct 28 to Nov 11. because I worked a total of two days last week. Her response to me was borrow the money from somebody or pay the money that is owed before the month is up and then she hung up in my face. I called her back to ask her why she hung up in my face and she hung up on me again. My mother tried calling Courtney herself to make arrangements on my behalf and she told my mother that she didn’t have to talk to her and hung up in her face also. I’m not looking for a hand out or any sympathy all I ask is for the respect to be treated as an human being. We all go through things in life that we have no control over and to treat a person with such disrespect is unacceptable. My mother asked to speak to a supervisor and was told that there was no supervisor to speak to. Jeremy at ext. 231 did speak with my mother on my behalf and stated that the issue is that I keep changing my payment dates and its costing the company money. Again it still doesn’t give anyone the right to speak with a customer in that manner.

    11. Thomas Christopher on December 12, 2016 at 5:26 pm

      I also was attending Penn Foster taking college classes, January 2016 after doing the federal tax return and owing the government almost two-thousand dollars I had to drop out. Penn Foster turned the account over to Ability Recovery Services, I told them I could only afford to pay $10.00 a month because the $50.00 is going to pay the government and my household is only a one income……

    12. Debrah on October 14, 2018 at 2:52 am

      You need to let them know that you have rights per Fair Collections Act if you have told them to cease communications regarding this debt and they continue to call you, they will be fined per occurrence. Never admit to a debt over the phone especially when they let you know that the conversation is being recorded. Dispute it with the credit bureaus as a non valid debt and ask this colletion agency to give you information in writing. Keep a file of the letters.

    13. Aneesha Perry on December 31, 2018 at 8:48 am

      I enrolled in Pennfoster unaware that I would have to pay for the classes my account was closed 3 months after enrolling due to my diasabled son being hospitalized I was told if i paid a certain amount I would be able to finish classes so I paid it an my account was still lock now they keep charging my son ssi card which I been calling them for a year telling them to not take money from his card cause it’s for his hospital bills an medical equipment I couldn’t pay for my son chair because they keep taking my money every time I call they hang up on me an tell me they won’t stop taking his money

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