--- title: Debt Collection Services | A.R.M. Solutions description: "A.R.M. Solutions provides debt collection services across the full delinquency lifecycle: first party C.A.R.E., flat-fee collections, contingency collections, and legal recovery. One partner, no gaps." --- [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) / Services Collections with Care # Debt Collection Services *Built Around Your Customer Relationships* Most collection agencies enter too late, charge too much, and treat your customers like a number on a ledger. A.R.M. Solutions provides debt collection services across the full delinquency lifecycle. We work earlier, cost less, and handle every account the same way regardless of balance size. One partner from first notice to legal escalation, with real-time visibility into everything in between. - Resolution rates as high as 50–80% - 3× the national recovery average - 2× ROI, guaranteed - Licensed and authorized to collect in all 50 states - A+ rated by the Better Business Bureau - Recognized by Forbes as a top collection agency - HIPAA-compliant [Book Free Consultation →](https://armsolutions.com/contact?hsLang=en) [See How the Lifecycle Works →](https://armsolutions.com/services#how-it-works) One Partner across the full delinquency lifecycle $9.2 billion Placed across all programs 3% Average cost of collections vs. 25 to 50% with traditional agencies 800+ Clients that trust us with their A/R ![Analyst reviewing recovery performance charts at a desk](https://armsolutions.com/hubfs/armsolutions/site/800x80011.fcd71ea6.webp) ## A Full-Lifecycle Recovery Partner for Recurring Billing Businesses Traditional collection agencies are built for transactional debt. A single invoice. A one-time customer. A relationship that ends when the balance resolves. Not every account is past due because of limited funds. Some customers withhold payment because of a bad experience. A.R.M. Solutions gives you the ability to learn why your customers aren’t paying, so you can take proactive action to correct the issue and retain the customer. A.R.M. Solutions recovers your money diplomatically. You keep control of every account, and we encourage reengagement with your customers at every stage. We serve both commercial and consumer accounts across home services, healthcare, and other recurring billing industries — with programs built around the lifetime value of the customer relationship. How It Works ## Four Simple Steps From Placement to Recovery 01 ### Place your accounts Upload your file in your existing data format or connect through your software platform. A.R.M. Solutions supports ServiceTitan, PestPac, FieldRoutes, and 20+ other integrations. Outreach begins within 24 hours. 02 ### Dynamic strategies deliver the right approach at the right time Early-stage outreach in your company’s name, flat-fee collections through A.R.M. Solutions as a licensed third-party agency, and contingency collections for aged or unresolved accounts. 03 ### Accounts that resolve close Payments come directly to you on flat-fee and 1st Party CARE accounts. A.R.M. Solutions earns nothing on contingency accounts until we collect. 04 ### Accounts that don’t resolve move forward automatically A.R.M. Solutions offers seamless transitions to ensure you get the best results. We offer a full suite of debt management solutions. The Benefits ## Built for Full Recovery, Zero Friction ### Speed to placement Outreach starts within 24 hours of account placement. ### No cherry-picking Every account receives the same structured outreach regardless of balance size. A.R.M. Solutions doesn’t cherry-pick. ### Payments come to you Payments come directly to you on flat-fee and 1st Party CARE accounts. A.R.M. Solutions never holds your money. ### You stay in control Add, pause, or remove accounts anytime. Full account status and payment activity available 24/7 through the WebView portal. ### Multichannel outreach Phone, email, SMS, and written notice. We connect with your customers using the channels they prefer. ### Full lifecycle coverage CARE feeds Flat Fee. Flat Fee feeds Contingency. Contingency feeds Legal. One partner, every stage. ### Compliance built in Licensed and authorized to collect in all 50 states. SOC 2 certified. A+ BBB rating. No regulatory actions on record. ### Integration with your stack Connect through ServiceTitan, PestPac, FieldRoutes, and 20+ other platforms. Proven Results ## What A.R.M. Solutions Has Delivered CARE - $6 billion placed - $4 billion resolved - 67% resolution rate - Average recovery cost: 3 cents per dollar recovered Flat Fee - $2 billion placed - $1.3 billion resolved - 65% resolution rate - Average recovery cost: 2.8 cents per dollar recovered Contingency - $1.2 billion placed - $220 million resolved - 18% resolution rate - 800+ active clients - 99+% client revenue retention rate - Average client tenure over 5 years - Over 20 years of experience in commercial and consumer collections Client Results ## Ask Us for References A.R.M. Solutions is proud to provide references from both large and small clients across the home services industry, including organizations that rely on A.R.M. Solutions to manage both commercial and consumer receivables portfolios. Compare ## Compare Our Programs ### 1st Party CARE A.R.M. Solutions staff contact your customers as your company. Early-stage, in-name outreach before accounts reach third-party collections. - 0 to 90 days past due - Fixed fee per treatment series - Brand-safe in-name outreach - Auto-pay conversion included - Root cause reporting on delinquency [Learn more about 1st Party CARE →](https://armsolutions.com/first?hsLang=en) ### Flat Fee Collections Licensed third-party recovery at a fixed cost per account. You keep 100% of what is collected. - All accounts treated equally, no cherry-picking - 2x performance guarantee - 60-day structured treatment program - Auto-roll to Contingency - Recover more revenue at an average cost of just 3% [Learn more about Flat Fee Collections →](https://armsolutions.com/flatfee?hsLang=en) ### Contingency Collections A.R.M. Solutions is paid only when you’re paid. - No Recovery, No Fee - File hygiene and skip tracing - Credit reporting capability - Legal escalation when accounts require it - Specialized industry collections experts [Learn more about Contingency Collections →](https://armsolutions.com/contingency?hsLang=en) FAQ ## Frequently Asked Questions How quickly can A.R.M. Solutions start working my accounts? Within 24 hours of placement. Accounts upload in your existing data format. No reformatting required. If you connect through a direct integration, the transfer is automatic. Do I have to use all three programs? No. Most clients start with Flat Fee and let unresolved accounts roll to Contingency automatically. 1st Party CARE is an add-on for clients who want earlier-stage intervention at 0 to 90 days. You can enter at any stage. What does flat-fee pricing mean? You pay a fixed amount per account, not a percentage of what is recovered. When a customer pays, that payment goes directly to you. The flat fee is a separate, predictable line item. Can A.R.M. Solutions integrate with our billing software? Yes. A.R.M. Solutions connects directly with ServiceTitan, PestPac, FieldRoutes, and more than 400 other platforms. If your system isn’t on the direct integration list, accounts upload in your existing export format. What happens to accounts that never resolve? Unresolved accounts move automatically through the lifecycle: Flat Fee to Contingency, Contingency to Legal through our legal network partnership. One partner manages the full arc. Get Started ## Ready to Recover More? Talk to an A.R.M. Solutions specialist about your current AR program, your collection costs, and what a different approach would return to your business. Free 30-minute consultation. No obligation. [Book Free Consultation →](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