I received debt collection letters for quiet awhile from Asset Recovery Associates on a debt that was over 14 years old. Did some investigating and would like to share with my information. Asset Recovery Associates or ARA was also known as Financial Services, Inc. until the Illinois Attorney General filed suit against them. So they changed their name. And now they have changed their name again to Northland Group, Inc. saying they have been assigned my account and in view of the tax season, their client is willing to reduce your balance by... read full review »