--- title: Frequently Asked Questions | A.R.M. Solutions description: "Common questions about A.R.M. Solutions: getting started, flat-fee pricing, program options, compliance, and collections technology." --- [Make a Payment](https://armsolutions.com/make-a-payment?hsLang=en) [Client Login](https://webview.armsolutions.com/) [Become a Client](https://armsolutions.com/contact?hsLang=en) [![logo-white](https://armsolutions.com/hs-fs/hubfs/armsolutions/site/logo-white.png?width=239&height=87&name=logo-white.png)](https://armsolutions.com/?hsLang=en) [Services](https://armsolutions.com/services?hsLang=en) [1st Party CARE](https://armsolutions.com/first?hsLang=en) [Flat Fee Collections](https://armsolutions.com/flatfee?hsLang=en) [Contingency Collections](https://armsolutions.com/contingency?hsLang=en) [Legal](https://armsolutions.com/legal?hsLang=en) [Industries](https://armsolutions.com/industries?hsLang=en) [Commercial](https://armsolutions.com/industries/commercial?hsLang=en) [Home Services](https://armsolutions.com/industries/home-services?hsLang=en) [Medical & Healthcare](https://armsolutions.com/industries/medical-healthcare?hsLang=en) [Resources](https://armsolutions.com/reporting?hsLang=en) [Technology & Reporting](https://armsolutions.com/reporting?hsLang=en) [Blog](https://blog.armsolutions.com/blog?hsLang=en) [About Us](https://armsolutions.com/about-us?hsLang=en) [Our Story](https://armsolutions.com/about-us?hsLang=en) [Associations & Partnerships](https://armsolutions.com/awards?hsLang=en) [FAQs](https://armsolutions.com/faq?hsLang=en) [Contact Us](https://armsolutions.com/contact?hsLang=en) [Contact Us](https://armsolutions.com/contact?hsLang=en) [Become a Partner](https://armsolutions.com/become-a-partner?hsLang=en) [Get a Free Consultation](https://armsolutions.com/contact?hsLang=en) [Home](https://armsolutions.com/?hsLang=en) / About Us / FAQs Collections with Care # Frequently Asked *Questions* Common questions about working with A.R.M. Solutions, answered directly. If something isn’t covered here, talk to a specialist. ## Getting Started ### How quickly can A.R.M. Solutions begin working my accounts? Within 24 hours of placement. Accounts upload in your existing data format with no reformatting required. If you connect through a direct software integration, the transfer is automatic. [Learn about A.R.M. Solutions’ technology and integrations](https://armsolutions.com/reporting?hsLang=en). ### What information do I need to provide to place accounts? A standard export from your billing or accounts receivable (A/R) system. A.R.M. Solutions works with your existing format. If you’re unsure what to include, an A.R.M. Solutions specialist will walk through it on an onboarding call. ### Do I need to sign a long-term contract? Contract terms vary by program and portfolio size. An A.R.M. Solutions specialist will review the agreement with you during the consultation. ### Can I place accounts from multiple locations or divisions? Yes. A.R.M. Solutions supports placement from multiple locations, divisions, or entities under one account. The WebView portal gives you visibility across all placement activity. ## Pricing ### How does flat-fee collections pricing work? You pay a fixed amount per account placed. That rate doesn’t change based on balance size or what A.R.M. Solutions recovers. When a customer pays, the full amount goes to your account. A.R.M. Solutions invoices the flat fee separately. Most clients land at 2.8% of total placed value as their overall cost to collect on the Flat Fee program. [Learn more about Flat Fee Collections](https://armsolutions.com/flatfee?hsLang=en). ### How does flat-fee pricing compare to contingency agencies? Traditional contingency agencies charge 25 to 50% of recovered funds. A.R.M. Solutions’ Flat Fee program typically runs 2.8% of placed value. On a $100,000 portfolio, that’s a difference of $22,200 to $47,200 in fees that stay with your business. [Compare programs](https://armsolutions.com/flatfee?hsLang=en). ### Are there setup fees or hidden charges? No. No setup fees, no expiration dates on placed accounts, and no hidden charges. The per-account flat fee is the cost. ### How does your 2X ROI Guarantee work? If the Flat Fee program doesn’t recover at least 2 times the total program cost within 90 days, A.R.M. Solutions refunds the difference. The guarantee is part of the program agreement — not something you have to negotiate for. [Learn more about Flat Fee Collections](https://armsolutions.com/flatfee?hsLang=en). ### How is contingency collections pricing structured? Contingency collections operates on a No Recovery, No Fee basis. A.R.M. Solutions earns a percentage of what is recovered, paid only after you receive funds. No upfront cost and no fee until collections occur. An A.R.M. Solutions specialist will review contingency pricing during your consultation. [Learn more about Contingency Collections](https://armsolutions.com/contingency?hsLang=en). ## Programs ### What is the difference between 1st Party CARE and Flat Fee Collections? CARE (Collections with Accounts Receivable Excellence) is A.R.M. Solutions’ 1st Party program. Our staff contacts your customers as your company, before accounts reach third-party status. It works accounts at 0 to 90 days past due. Flat Fee is a third-party program where A.R.M. Solutions contacts customers in its own name as a licensed collection agency, at a fixed cost per account with a 60-day treatment program. [Learn more about 1st Party CARE](https://armsolutions.com/first?hsLang=en) or [Learn more about Flat Fee Collections](https://armsolutions.com/flatfee?hsLang=en). ### Can I use both 1st Party CARE and Flat Fee at the same time? Yes. Most A.R.M. Solutions clients use CARE for early-stage accounts and let unresolved accounts roll into Flat Fee automatically. You can also start at Flat Fee without using CARE first. ### What happens to accounts that don’t resolve? Unresolved accounts move automatically to the next program stage. Flat Fee accounts that don’t resolve within 60 days roll into Contingency. Contingency accounts that require legal action can escalate through A.R.M. Solutions’ legal network partnership. No separate contract is needed for each stage. [Learn more about Contingency Collections](https://armsolutions.com/contingency?hsLang=en). ### Can I use Contingency Collections for a one-time portfolio clean-up? Yes. Contingency is available as a standalone program for aged portfolios. Send A.R.M. Solutions your file and we’ll assess what’s realistically recoverable before any work begins. [Submit a portfolio for review](https://armsolutions.com/contact?hsLang=en). ## Compliance ### Is A.R.M. Solutions licensed in my state? Yes. A.R.M. Solutions is licensed and authorized to collect in all 50 states. Licensing documentation is available upon request. ### What is A.R.M. Solutions’ compliance record? A.R.M. Solutions has no judgments, warnings, or regulatory actions on record. We’re System and Organization Controls 2 (SOC 2) certified, A+ rated by the Better Business Bureau (BBB), and operate in full compliance with the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), Health Insurance Portability and Accountability Act (HIPAA), and applicable state collections laws. Compliance documentation is available for vendor onboarding. [Consumer Financial Protection Bureau (CFPB): debt collection resources](https://www.consumerfinance.gov/consumer-tools/debt-collection/). ### Is A.R.M. Solutions HIPAA compliant for healthcare accounts? Yes. A.R.M. Solutions is fully HIPAA-compliant across all programs and all staff. Patient accounts are handled with the regulatory requirements, communication standards, and data security practices specific to healthcare billing. Compliance documentation is available upon request. [Learn more about Medical and Healthcare Collections](https://armsolutions.com/industries/medical-healthcare?hsLang=en). ### What happens if a customer complains about collections outreach? Complaints are handled through A.R.M. Solutions’ compliance process and your client services contact is notified. A.R.M. Solutions’ outreach is designed to minimize complaints through professional, diplomatic communication. Our compliance record reflects this: no regulatory actions on record. [ACA International: collections industry standards and compliance resources](https://www.acainternational.org). ## Technology ### What is the WebView portal? WebView is A.R.M. Solutions’ client portal for real-time accounts receivable reporting. It gives you visibility into every account you’ve placed: account status, payment activity, contact attempt history, and recovery performance. Available 24/7. You can also add, pause, or remove accounts directly from the portal. [Learn more about A.R.M. Solutions’ technology and reporting](https://armsolutions.com/reporting?hsLang=en). ### How do I access my account and performance data? Through WebView, available 24/7. Your client services contact will walk you through portal access during onboarding. Monthly reports are also delivered to your team on a regular schedule. ### Does A.R.M. Solutions integrate with my software platform? A.R.M. Solutions supports 20+ direct software integrations, including ServiceTitan, PestPac, FieldRoutes, RCC, Cargas, BlueCow, Encore-Routeware, and ServiceCore. If your system isn’t on the direct integration list, accounts upload in your existing export format. [View our full list of software partnerships](https://armsolutions.com/awards?hsLang=en). ### Can A.R.M. Solutions work with my existing A/R data format? Yes. A.R.M. Solutions accepts standard data exports from any billing or A/R system. No reformatting needed, no custom integration required to get started. Get Started ## Still Have Questions Talk to an A.R.M. Solutions specialist. We’ll walk through your billing cycle and help you figure out which program fits your portfolio. [Talk to Our Team →](https://armsolutions.com/contact?hsLang=en) [(888) 772-6468](tel:+18887726468) [contact@armsolutions.com](mailto:contact@armsolutions.com) ![Exclusive Endorsed Collection Partner of NPMA (National Pest Management Association)](https://armsolutions.com/hubfs/armsolutions/site/npma.b8a4e417.webp) ![Exclusive Endorsed Collection Partner of NPGA (National Propane Gas Association)](https://armsolutions.com/hubfs/armsolutions/site/npga.1d6fd6f5.webp) ![Exclusive Endorsed Collection Partner of NWRA (National Waste and Recycling Association)](https://armsolutions.com/hubfs/armsolutions/site/nwra.svg) ![Integrated with ServiceTitan](https://armsolutions.com/hubfs/armsolutions/site/servicetitan.png) ![BBB A+ Rated — Better Business Bureau](https://armsolutions.com/hubfs/armsolutions/site/150x806.92965dca.webp) ![as-seen-in-forbes](https://armsolutions.com/hubfs/as-seen-in-forbes.jpg) **Inc. 500** **Licensed and authorized to collect in all 50 states.** **SOC 2** Certified A·R·M **Solutions** © 2026 A.R.M. Solutions. Licensed and authorized to collect in all 50 states. SOC 2 Certified. [Privacy Policy](https://armsolutions.com/privacy-policy?hsLang=en) [Careers](https://armsolutions.com/careers?hsLang=en) [Terms of Use](https://armsolutions.com/privacy-policy?hsLang=en) [State Disclosures](https://armsolutions.com/state-disclosures-a.r.m.-solutions?hsLang=en) California License No.: 10207-99 · NV Collection Agency License No: CAD11481 · NV Compliance Manager Certificate No: CM12201 · Company NMLS ID: 937594 · NV Compliance Manager NMLS ID: 999745 ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Within 24 hours of placement. Accounts upload in your existing data format with no reformatting required. If you connect through a direct software integration, the transfer is automatic. Learn about A.R.M. Solutions’ technology and integrations." }, "name" : "How quickly can A.R.M. 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