How to Stop Ardent Credit Service Debt Recovery in a Flash

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How to Stop Harassment from Ardent Credit Service Debt Recovery Fast

Receiving a letter, phone call, or other communication from a debt collector like Ardent Credit Service is always unsettling. It's especially disconcerting if the tone behind their words is harsh or even threatening. If you recently received a communication from and don't know where to turn, DoNotPay can help.

Why Did Ardent Credit Service Debt Recovery Contact Me?

When someone says you owe them money, it can be difficult to determine if they're a legitimate company or a scam. In the case of , they are, in fact, a legitimate debt collector. As a debt collection agency, Ardent is tasked by its various clients to attempt to collect debt on their behalf. Some of the duties assigned to Ardent may include:

  1. Validating debt.
  2. Harassing people to get them to pay their debt.
  3. Collecting actual debt payments on behalf of a client.

The Challenges Associated With Dealing With a Debt Collection Agency

It's difficult to hear from a debt collection agency that continually harasses you to pay your debt. Although it may be tempting to try to simply ignore or evade their letters and phone calls, it only postpones the repercussions of the debt issue.

is being paid by their clients to collect a debt from you, and if they aren't successful with mere phone calls and letters, they may send one of their representatives to your home. If that doesn't work, Ardent has the right to sue you and take you to court to retrieve the funds they say you owe their client. If the situation gets to this point, Ardent may take the following steps against you in an attempt to retrieve the debt:

  1. Ardent may apply for a County Court judgment against you.
  2. They may apply for an Attachment of Earnings Order, to retrieve the debt directly from your employment wages.
  3. In rare cases, they may apply for a Charging Order, which means your home could be used as collateral for payment of your debt.

To make matters more challenging, even if you sincerely want to work with Ardent to pay off your debt, their online reputation for accurately and faithfully executing their responsibilities is less than stellar. What this means is that before you give any money to Ardent, you need to have a solid plan to ensure they can't take advantage of you.

What to Do if You're Contacted by Ardent

Once again, if you receive a communication from Ardent, don't ignore them! It's much better for you, to take charge and try to tackle the problem straight away. Here are the first steps you should take:

  1. Determine whether the debt is actually yours.
  2. Ask for proof that you owe the money.
  3. Check if the debt is too old for collection.

Even debt collection agencies can make mistakes. If you don't think you owe them the money Ardent is demanding, you need to check with a reputable credit reporting agency and have them pull your credit report. After reviewing your credit report, if you don't see the debt listed as outstanding, you have the proof you need to tell Ardent that you don't owe them anything.

You also have the right to see written proof, such as a copy of the disputed loan agreement, that Ardent says you owe. If Ardent refuses to provide the proof that would substantiate their claim against you, you don't have to pay the debt.

By law, debt collection agencies can't try to collect a debt from you by taking you to court, if it's more than 6 years from the date of your last payment on the debt, or 6 years from the date of your last acknowledgment of the debt. You need to be careful that you don't meet this latter criterion, however. If in any way, you acknowledged within the past 6 years that you owe the debt, then the collection agency has a right to try to get you to pay. (For certain mortgage debt, the deadline is 12 years, rather than 6 years.)

Use DoNotPay to Deal with Ardent Credit Service Debt Recovery

If you’d like to stop the harassment from Ardent, DoNotPay can help. Just follow three easy steps.

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

Can DoNotPay Help Me With Other Debts?

Yes! If you've been contacted by a collection agency other than , DoNotPay can answer your questions and provide solutions to negotiate with other debt collection agencies as well. If you've been trying to deal with another collection agency on your own without success, be sure to check out the links below for additional helpful information gathered by the DoNotPay Research team.

What About Government Debt?DoNotPay can also help when the Department for Work and Pensions (DWP) says you received too many benefits. To learn more about how to work with DWP Debt Management (the DWP's collection office), click here.
Can DoNotPay Help With Bailiff Issues?If you have unpaid County Court judgment debt, you may receive communication or even a personal visit to your home from a bailiff who works for Marston Group Holdings. If you think this might occur, don't be caught unprepared! Click here to let DoNotPay help you navigate the process of dealing with County Court debt.

Can DoNotPay Help With Doorstep Loans?

Yes! If you have a doorstep loan but can't pay it back, there is help available. Check out the list below for more helpful information on what to do about resolving these types of loans.

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