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Frequently Asked Questions

  1. How do I obtain a copy of my credit report?
    You may obtain your credit report absolutely free for each of the three agencies once per year from

  2. How do I make a payment on my account?
    Please use our online payment page to pay your account or give us a call and we would be happy to help you! Please do not send payment information via email or the contact form.
  3. Why should I use a collection agency?
    In the “old days”, people did what they said they were going to do…including paying for services and products rendered. Today, times have changed somewhat and companies are losing significant profits as they are forced to write off billed amounts when customers fail to pay their debts. This is money lost to you and your company. Many companies try to collect on their own, but this takes away from what you really do as a business. Then there are other questions to ask:

    • Can you reach the person during regular business hours?
    • Do you have their correct phone number and/or address?
    • Have they relocated since they incurred the debt and failed to notify you?

    A reputable collection company’s sole focus is collecting on your delinquent accounts and they have expertise, experience, resources and a track record of collecting these types of accounts.  This leads to a faster collection rate than your in-house departments may have time to do and enables your staff to focus on their day to day procedures.

  4. Is Advantage Recovery Service, Inc a reputable company?
    We have a terrific reputation and an A+ rating with the Better Business Bureau as well as a longstanding history and track record of success.
  5. What makes Advantage Recovery different?
    Just as all businesses aren’t the same, collection agencies differ greatly.  Advantage Recovery Services, Inc is a 100+ year old company specializing in collecting those hard to recover dollars and returning profits to your organization and the community. Being one of the larger, yet small hometown based operations in the Arkansas River Valley, we collect for hundreds of clients in Fort Smith, Van Buren and all the surrounding municipalities. Our large database and skip tracking abilities often allow us to locate the debtors you have lost contact with. Our focus is to assist you with your collections by being firm yet fair. Further, we understand that we are representing your business and good reputation; our professional, courteous approach will help you keep it that way.
  6. How do I insure that the company follows the laws established by the Fiar Debt Collection Practice Act (FDCPA)?
    We go well beyond basic requirements. We are one of a few companies in the country that practice the “Principle of Consistency”. We treat every debtor as we would want to be treated. On every call and in every letter, we are professional, courteous and polite. We work with your customers to help them budget their funds, improve their credit score and get out of debt.
  7. How does this “Principle of Consistency” help with successful collections?
    We successfully collect about 9% more than the national average for collection agencies. Your clients have a limited amount of money to go around and they pay ARS first because we work with them to set up acceptable payment arrangements. The “Principle of Consistency” means that we always treat your customers in a fair but firm manner. In fact, our associates are called “Financials Consultants” versus collectors to insure that they fully understand their role and desired approach.
  8. What is your collection rate versus the national average?
    The national average for overall collections varies from 18-20% depending on the location and economics of the region, as well as the particular industry/business. We have some clients we can collect 40% for, while others may see a rate of 10%.
  9. Does ARS credit report?
    Yes, we allow the consumer 30+ days to pay in full before we report to the three main credit reporting agencies.
  10. When should we refer accounts and for how much?
    We will work accounts for any dollar/any age. Most companies only want to work current bad debt or for larger dollar amounts. Advantage will work every account. In fact, many of our clients have referred bad debt to us that their initial collection agency could not collect or sometimes even take all write offs from the prior year and give us one last chance to collect it. We are successful collecting in this manner, recovering for our clients what we call “unbudgeted earnings.”
  11. How much will it cost to collect?
    When we are successful collecting your bad debt, we keep a small commission and you receive the majority back to you. There is no charge if we are unsuccessful. We are paid only on what we collect, there is no risk to you.
  12. Who owns the company?
    Advantage Recovery Services, Inc is owned by Josh & Roy Pense of Pense Technologies, Computer System Designers and Consultants. Contact us today!