Absolute Resolutions Investments LLC

Absolute Resolutions Investments LLC

If you have a debt that has moved to collections, you may start hearing from a company called Absolute Resolutions Investments LLC.

They are a third-party collector that has been hired by your original lender or provider to collect money for your debt.

They use a number of tactics to bully consumers into paying debts, such as incessant phone calls and letters.

These are certainly frustrating, but they are not the worst thing about having a debt collector on your trail.

In order to legally collect money from you, Absolute Resolutions Investments LLC must first open up a collection account on your credit report.

This entry tells reviewers that you have a history of non-payment and it can affect your credit score and ability to qualify for loans.

You can prevent this collection entry from causing extensive damage to your credit score by removing it before it’s too late.

What is Absolute Resolutions Investments LLC?

Also known as ARI, Absolute Resolutions Investments LLC is a small collection agency based out of Bloomington, MN.

They have been in business since 2001 and are sometimes called Absolute Resolution Corp, so don’t get confused if you hear both names being thrown around.

They collect a variety of debt types including credit card debt, financed purchases, retail debt, utility bills, and more.

How to Deal with Absolute Resolutions Investments LLC

The trick to dealing with any debt collector is to understand your rights and use them to help remove collection accounts from your credit report.

Here are the three essential steps to dealing with Absolute Resolutions Investments LLC’s entry on your credit report.

Understand Your FDCPA Rights

Most consumers with debt are completely unaware that there are laws that protect their rights.

Specifically, the Fair Debt Collection Practices Act (FDCPA) protects consumers from abuse, deception, and harassment from debt collectors.

Under the FDCPA, Absolute Resolutions Investments LLC is bound to the following conditions:

  • They cannot
    • contact anyone but you about the debt.
    • threaten you with wage garnishment or lawsuits without intending to do so.
    • call you at inappropriate hours, specifically before 8 a.m., or after 9 p.m.
    • use profane or obscene language.
    • misrepresent themselves as a government or court official on the phone.

The FDCPA also affords consumers the right to ask them to make adjustments to how they communicate with you, such as only communicating through U.S. Mail. You should take advantage of this for a number of reasons.

First, having them only communicate with you in writing allows you to keep track of their correspondence.

If they are bombarding you with letters or communicating threats, you can hold onto them and report them to the CFPB or BBB.

Second, you can hold them to any promises they make you. Debt collectors are notorious for saying one thing and then turning around and doing the opposite.

Having written communication allows you to refer back to previous conversations and have tangible proof of agreements. This will come in handy later on.

Get a Free Copy of Your Credit Report

Request Debt Validation

Another right that is set forth by the FDCPA is the right for you to ask Absolute Resolutions Investments LLC to validate your debt.

Essentially, you are asking them to provide proof that you are the true owner of the debt and that they are allowed to collect it.

It is highly important that you do not procrastinate this step. The FDCPA only guarantees the right to request debt validation within the first 30 days of contact with a debt collector.

If you wait beyond that, they are not required to provide debt validation.

The first thing you will need to do to get this process started is to write a debt validation letter. This is easier than it sounds.

We have a debt validation letter template that can help you get started.

Once you send this to Absolute Resolutions Investments LLC, you should hear back in about 30 days.

They will send you lots of documents that are meant to prove that they have all the information they need to collect the debt.

Go through each page and review the information. If you see something that looks inaccurate, make a note, and compare it with your own information on the debt.

You can then file a dispute with the major credit bureaus.

If they find that they are reporting false information, they will remove the account.

You will no longer be on the hook for paying the debt at all.

Work Out a Settlement

If you are unable to get the entry removed through debt validation, your next step is to settle up with Absolute Resolutions Investments LLC.

You will need to work out a pay-for-delete settlement with them in order to remove the collection account.

A pay-for-delete agreement is a pretty self-explanatory concept.

A debt collector will agree to stop reporting the debt to the three major credit bureaus in exchange for your payment on the debt.

What they will not reveal is that they are sometimes willing to let you pay less than the full amount to get a deletion.

This is because most debt collectors purchase debts for pennies on the dollar and don’t need you to pay the full amount in order to make their money back.

Offer to pay them half of the total amount of the debt and see how they respond.

They will likely try to work you up from that, which is fine as long as they agree to fully delete the collection account.

Once you come to an agreement on payment amount and terms, have Absolute Resolutions Investments LLC send you a letter that clearly states the agreed-upon terms.

Once you receive this letter, make your first payment on the debt.

You should notice that their entry disappears from your credit report within about a month of submitting your first payment.

If it does not, you will need to reach back out to them and remind them that they need to delete the account.

Hire a Credit Repair Professional

If you are having trouble dealing with Absolute Resolutions Investments LLC on your own, you should turn to the help of a credit repair specialist.

I recommend working with Lexington Law. They have many years of experience helping people just like you take control of their credit again.

Ask Lex Law for Help

Does Absolute Resolutions Investments LLC Have Any Complaints?

Debt collectors are notorious for being aggressive line-steppers.

There are rules that they are supposed to follow regarding proper debt collection, but they often ignore them in order to go after people’s money. Absolute Resolutions Investments LLC is no different.

They have had several complaints filed against them with various oversight bureaus such as the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).

The majority of these complaints are in regard to violations of the Fair Debt Collection Practices Act (FDCPA).


Removing Absolute Resolutions Investments LLC from your credit report can be difficult at times, but it is not impossible.

You can clean up your credit report by following the steps outlined above and staying on top of the situation.

Prevent Loan Scams

About Prevent Loan Scams

Prevent Loan Scams provides guides, reviews & information to help consumers through every restorative step of their financial journey.

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