Collections with Care
You have accounts in your aging report that have been there a long time. Some are months or years old. Some belong to customers who are reachable but haven’t responded to anything your team has sent.
A.R.M. Solutions assigns specialized industry collections experts to pursue past-due balances on a performance basis. A.R.M. Solutions earns nothing until you collect. No upfront cost. No retainer. No fee until funds are recovered.
What you get: diplomatic outreach that protects your brand, and real recovery on accounts you had mentally written off.
No Recovery, No Fee on every contingency account
Placed and $5.5 billion resolved across all three programs
Real-time account visibility through the WebView portal
Active clients across recurring billing industries
The Contingency program is A.R.M. Solutions’ performance-based collections offering. A.R.M. Solutions earns nothing until you collect. No upfront cost, no retainer, no fee of any kind until funds are recovered.
The program works for two groups. The first is A.R.M. Solutions clients whose Flat Fee accounts have completed their treatment program without resolving. Those accounts transition automatically, with no new agreement needed. The second group is businesses with aged portfolios sitting in a write-off queue that need specialized collections experts and a fresh approach.
In both cases, outreach is professional, compliant, and brand-safe. A.R.M. Solutions identifies as a licensed collection agency. That identification carries weight.
How It Works
01
Send an aged portfolio or allow unresolved Flat Fee accounts to roll in automatically. Before any contact is made, A.R.M. Solutions conducts file hygiene on every account: scrubbing for bankruptcy filings, litigious debtors, probate matters, deceased account holders, and other legally sensitive conditions that affect collectability.
02
Each account goes to a collector who understands your billing model and customer relationships. They conduct skip tracing to locate current contact information and asset verification to confirm the account warrants pursuit.
03
A.R.M. Solutions identifies as a licensed collection agency, which carries the ability to report to credit bureaus. For accounts that require legal action, A.R.M. Solutions provides legal escalation.
Learn more about Legal Collections →04
A.R.M. Solutions remits on net or gross remit terms depending on your agreement. Customers can pay by phone, online through the web portal, by check, or by credit card. Every contact attempt, status update, and payment is visible through the WebView portal in real time.
What You Get
A.R.M. Solutions earns nothing until you collect. No upfront cost, no retainer, no fee until funds are recovered.
Every account is scrubbed for bankruptcy filings, litigious debtors, probate matters, deceased account holders, and legally sensitive conditions before any contact is made.
A.R.M. Solutions locates current contact information for accounts where original data has gone stale. Asset verification confirms the debtor has capacity to pay before resources are committed.
Delinquent accounts can be reported to the major credit bureaus. This adds meaningful leverage for accounts that haven’t responded to other approaches.
For accounts that require legal action, A.R.M. Solutions provides pre-legal demand, litigation, and judgment enforcement.
Outreach is professional, empathetic, and fully compliant with FDCPA, TCPA, HIPAA, and state law. Customers can resolve balances and remain in good standing with your business.
Every contact attempt, status update, and payment is visible through the WebView portal. 24/7 access. Full transparency at the account level.
Licensed and authorized to collect in all 50 states. SOC 2 certified. A+ BBB rating. No judgments, warnings, or regulatory actions. Backed by a partnership with a leading creditors’ rights law firm.
Proven Results
$1.2B
Contingency placed · $220 million resolved
26%
Of accounts resolved at 4% cost in a case study, $357,000 recovered
99+%
Client revenue retention rate
The Full Lifecycle
Most A.R.M. Solutions clients use Contingency as the continuation of the Flat Fee program. When Flat Fee accounts complete their 60-day treatment program without resolving, they transition into Contingency automatically. No new contract. No gap in coverage.
For aged inventory, Contingency is also available as a standalone program. A one-time portfolio submission can recover long-stalled write-offs without committing to an ongoing program.
The full recovery lifecycle runs:
Why A.R.M. Solutions
A.R.M. Solutions is paid only when you’re paid. No upfront risk. The program is designed to recover revenue professionally and with your customer relationships intact.
Outreach is respectful, professional, and brand-safe. Our collections experts understand that in recurring billing industries, a delinquent customer today can be an active customer tomorrow.
Every contact attempt, payment, and status update is visible through the WebView portal in real time. You maintain full control. A.R.M. Solutions never holds your accounts.
A.R.M. Solutions serves 12+ core industries. Our collectors are recruited from the verticals we work: pest control, waste, propane, HVAC, medical, and more. Industry knowledge speeds recovery.
Get Started
Talk to an A.R.M. Solutions specialist about your portfolio. For ongoing placements, we review your AR lifecycle and show you where Contingency fits. For one-time clean-ups, send us your file and we assess what is realistically recoverable at no cost to you until we collect.
Compare
A.R.M. Solutions staff contact your customers as your company. Early-stage in-name outreach before accounts become a third-party issue.
Licensed third-party recovery at a fixed cost. You keep 100% of what is collected. Auto-rolls to Contingency.
A.R.M. Solutions is paid only when you’re paid.
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FAQ
Accounts that are 90 or more days past due, accounts that completed a Flat Fee program without resolving, and aged portfolios sitting in a write-off queue. Contingency also works for one-time clean-ups of historical AR backlogs. A.R.M. Solutions reviews your file before work begins.
Before A.R.M. Solutions contacts any account, every record is scrubbed for conditions that make recovery legally risky or unworkable: bankruptcy filings, litigious debtors, probate matters, deceased account holders, and other sensitive legal situations. This protects you from compliance exposure and focuses resources on accounts that can resolve.
A.R.M. Solutions is licensed and authorized to collect in all 50 states and operates in full compliance with the FDCPA, TCPA, HIPAA for healthcare-related accounts, and applicable state collections laws. Our compliance record includes no judgments, warnings, or regulatory actions. Documentation is available upon request.
Customers can pay by phone, online through the web portal, by check, or by credit card. Multiple payment options reduce friction and increase resolution rates. Every payment is documented in the WebView portal, which you can access 24/7.
A.R.M. Solutions provides pre-legal demand, litigation, and judgment enforcement for accounts that require legal action. Legal escalation is part of the A.R.M. Solutions ecosystem. You don’t need a separate vendor or a separate contract.
Learn more about Legal Collections →
