Advanced Recovery Systems

Since 1996, Advanced Recovery Systems (ARS) has been helping businesses recover what they are owed efficiently, professionally, and with integrity. As a specialized commercial collection agency, ARS provides tailored business-to-business debt recovery solutions across industries, including commercial collections, medical receivables, and air and ground transport billing.

With a client-first approach and a dedicated team of experienced professionals, ARS supports a broad client base, including small businesses, major financial institutions, and ambulance service providers ensuring every recovery effort is strategic, compliant, and results-driven.

“True success comes from partnership. We believe in working alongside our clients and their customers to create solutions that serve everyone with integrity,” says Numen Bilal, president of Advanced Recovery Systems.

Its client onboarding process is quick and seamless. The ARS team connects directly with clients to understand their collection needs and, if aligned, can initiate services within 24 hours. While paperwork and contracts typically take about a week to finalize, the emphasis is on transparency, responsiveness, and a smooth client experience.

ARS’s Hands-On Approach to Recovery

On the commercial side, ARS manages everything from one-off accounts to high-volume portfolios, with particular expertise in heavy equipment and office equipment financing. The company handles a broad range of balances, from desktop copiers and medical equipment to large construction machinery, including complex six-figure cases.

For medical collections, ARS works exclusively with ambulance and insurance companies, assisting with insurance billing, compliance issues, and, when needed, direct patient outreach.

“Our hands-on, personalized approach ensures efficient, professional results in complex commercial and medical collections, specializing in heavy equipment financing and ambulance billing,” says, Daniel Spaziani, vice president of ARS.

What sets ARS apart is its manual, people-driven process. While many in the industry lean into automation, ARS intentionally avoids it. A team member handles every phone call, email, and interaction. This approach ensures a personal touch and greater accountability, which clients greatly value.

A recent success story best illustrates this commitment to service. An equipment finance company, a long-time client, was struggling to recover a six-figure balance from a large corporation. After over a year of unsuccessful internal efforts, they turned to ARS. The ARS team conducted in-depth research, identified the key decision-makers, and successfully secured full repayment within a few months. It remains one of the most significant balances ARS has ever recovered.

The company’s strength lies in identifying the right contacts and managing complex cases professionally. For clients, navigating large organizations can be daunting, but ARS’s well-trained team knows exactly who to reach, making all the difference in achieving results.

With fewer than 20 employees, ARS fosters a tight-knit, family-like culture that strengthens internal team dynamics and long-standing client relationships. Many team members have been with the company for years, contributing to an exceptionally low turnover rate. This internal consistency translates to the client experience, as some have partnered with ARS for over 25 years, a testament to its performance and reputation.

Ethical, Compliant, and Client-Focused

Ethical practice is a lynchpin of ARS’s operations. The company approaches each case professionally and fairly, consistently seeking workable solutions for clients and debtors. While client needs are the top priority, ARS often acts as a bridge between both parties, helping facilitate mutually acceptable resolutions.

A rigorous focus on compliance matches this commitment to doing things the right way. It holds monthly training sessions to ensure its team is current with evolving regulations, especially the Fair Debt Collection Practices Act (FDCPA), which governs medical collections. Although the FDCPA does not apply to commercial collections, ARS still upholds those standards. The company is fully licensed, and its internal systems help ensure that all contact and privacy protocols are followed, whether reaching out to businesses or individuals.

By combining principled practices, regulatory diligence, and a deeply personal approach to service, ARS continues to stand out in the debt recovery industry. Its ability to build lasting relationships and deliver consistent outcomes makes it a trusted partner for businesses navigating the complexities of commercial and medical debt collection.