--- title: Accounts Receivable Management Services | A.R.M. Solutions description: A.R.M. Solutions provides professional accounts receivable management services for pest control, waste management, propane, lawn care, and healthcare businesses. Recover more revenue, keep more of what you collect, and protect your customer relationships. --- [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) Collections with CARE # Accounts Receivable Management That *Protects Your Cash Flow* Past-due accounts are costing your business more than you realize. Your team spends hours chasing overdue payments instead of serving current customers. And when you finally send those accounts to a traditional collection agency, you give up 20 to 40% of every dollar recovered. A.R.M. Solutions delivers professional accounts receivable management services for home services, healthcare, and recurring billing businesses. We work earlier in the delinquency cycle, at an average cost of just 3%, with outreach that protects the customer relationships you built. [Get a Free Consultation →](https://armsolutions.com/contact?hsLang=en) [Learn How We Work →](https://armsolutions.com/first?hsLang=en) ![A.R.M. Solutions analyst reviewing recovery dashboards across three monitors](https://armsolutions.com/hubfs/armsolutions/assets/hero-office.jpg) 800+ active clients across recurring billing industries 66.7% 1st Party CARE program resolution rate 3% average cost of collections vs. 25 to 50% with traditional agencies 20+ yrs of collections experience Fully integrated with many industry platforms ![ServiceTitan — ServicePro, a ServiceTitan company, logo](https://armsolutions.com/hubfs/armsolutions/site/servicepro.9ec674fe.webp) ![Cargas logo](https://armsolutions.com/hubfs/armsolutions/site/cargas.369dfe4b.webp) ![RCC — Rural Computer Consultants, Inc. logo](https://armsolutions.com/hubfs/armsolutions/site/client150x8012.9c30f03b.png) ![FieldRoutes logo](https://armsolutions.com/hubfs/armsolutions/site/fieldroutes.a9c60aa8.webp) ![WorkWave logo](https://armsolutions.com/hubfs/armsolutions/site/workwave.35a4c6a4.webp) ![Pocomos logo](https://armsolutions.com/hubfs/armsolutions/site/pocomos.f594557f.webp) ![Blue Cow Software logo](https://armsolutions.com/hubfs/armsolutions/site/client150x8010.3457e5c9.png) ![](https://armsolutions.com/hubfs/armsolutions/site/servicepro.9ec674fe.webp) ![](https://armsolutions.com/hubfs/armsolutions/site/cargas.369dfe4b.webp) ![](https://armsolutions.com/hubfs/armsolutions/site/client150x8012.9c30f03b.png) ![](https://armsolutions.com/hubfs/armsolutions/site/fieldroutes.a9c60aa8.webp) ![](https://armsolutions.com/hubfs/armsolutions/site/workwave.35a4c6a4.webp) ![](https://armsolutions.com/hubfs/armsolutions/site/pocomos.f594557f.webp) ![](https://armsolutions.com/hubfs/armsolutions/site/client150x8010.3457e5c9.png) ![Pest control technician reviewing a work order outside a client's home](https://armsolutions.com/hubfs/armsolutions/assets/tech-home.jpg) ## A Smarter Approach to AR Management Delinquency is the No. 1 predictor of customer churn. The longer a past-due balance sits, the lower the recovery rate and the higher the risk of losing that customer entirely. Most service businesses with recurring billing either exhaust their internal teams chasing overdue accounts or hand portfolios to a contingency agency and surrender a third of the recovery revenue. A.R.M. Solutions provides receivable management services that work earlier in the cycle, before accounts escalate and before relationships break down. We serve both commercial and consumer accounts across home services, healthcare, and other recurring billing industries. Our programs cover the full delinquency lifecycle, from early-stage first-party outreach to flat-fee recovery to contingency collections to legal escalation. The Delinquency Lifecycle 1. 01 ### 1st Party CARE Staff embedded in your AR workflow, outreach as your brand 2. 02 ### Flat-fee collection services Fixed cost per account, 100% of collections kept by you 3. 03 ### Contingency collections Specialized collections experts, skip tracing, asset verification 4. 04 ### National coverage for accounts requiring legal action LegalStream partnership for accounts requiring legal action How Better Collections Work ## Three Ways We Work Your Accounts A.R.M. Solutions manages receivables across the full delinquency lifecycle. Clients can enter at any stage. Accounts that do not resolve move automatically to the next program so nothing falls through. 01 1st Party CARE 02 Flat Fee Collections 03 Contingency Collections CARE Program ### Collections with Accounts Receivable Excellence Our CARE program (Collections with Accounts Receivable Excellence) places dedicated A.R.M. Solutions staff inside your accounts receivable workflow. We’ll contact your customers as a representative of your company, handle all outreach, payment processing, and auto-pay conversion, and report back on the root causes driving delinquency. You manage the receivable, not the employee. [Learn more about our 1st Party CARE program →](https://armsolutions.com/first?hsLang=en) Program Results 66.7% Resolution rate 2% Cost of collections Flat Fee Recovery ### Flat Fee Collection Agency Our flat-fee program contacts your customers as a licensed third-party collection agency at a fixed cost per account, regardless of balance size. You keep 100% of what’s collected. Every account is worked the same way. There is no cherry-picking of high-balance accounts, no setup fees, and no expiration dates. Unresolved accounts roll automatically to contingency. Recover 2 times the program cost within 90 days or A.R.M. Solutions refunds the difference. [Learn more about our Flat Fee Collections program →](https://armsolutions.com/flatfee?hsLang=en) Program Highlights 65% typical resolution rate Contingency Recovery ### Contingency Collection Agency We assign specialized collections experts with industry-specific experience to accounts that remain unresolved after the flat-fee stage, or to aged portfolio clean-ups. Then, we conduct file hygiene, skip tracing, asset verification, and credit reporting. Legal escalation is available for accounts that require it. A.R.M. Solutions is paid only after you are. [Learn more about our Contingency Collection Agency program →](https://armsolutions.com/contingency?hsLang=en) Program Highlights Expert Collectors on every account Skip Tracing and asset verification Legal Escalation path available **$9.2 billion** placed **60%** total resolution **$5.52 billion** resolved [Get a Free Consultation](https://armsolutions.com#get-started) Industries We Serve ## Industries We Serve A.R.M. Solutions specializes in service businesses with recurring billing, high customer volume, and client relationships that can’t be sacrificed. Our staff is recruited directly from the industries we serve. So that we understand your billing cycle, your customers, and your compliance requirements. ### Collection Agency for Medical Bills A.R.M. Solutions provides HIPAA-compliant accounts receivable management services for medical practices, home health agencies, and healthcare systems. We understand the patient relationship, the compliance environment, and the sensitivity that healthcare billing demands. [View Medical and Healthcare Collections →](https://armsolutions.com/industries/medical-healthcare?hsLang=en) ### Pest Control Collections A.R.M. Solutions is the exclusive endorsed collection partner of the National Pest Management Association. Our flat-fee and contingency programs are built around the recurring service agreements and customer retention priorities of pest control companies. [View Pest Control Collections →](https://armsolutions.com/industries/home-services?hsLang=en) ### Waste Management Collections A.R.M. Solutions is the exclusive endorsed collection partner of the National Waste and Recycling Association, serving commercial and residential waste haulers with AR programs designed around their billing cycles and service relationships. [Waste Management Collections →](https://armsolutions.com/industries/home-services?hsLang=en) ### Lawn Care Collections Our programs serve lawn care, turf treatment, and landscaping companies with seasonal billing cycles, recurring service contracts, and high customer volume. We recover past-due balances without disrupting active customer relationships. [View Lawn and Landscaping Collections →](https://armsolutions.com/industries/home-services?hsLang=en) ### Propane Company Collections A.R.M. Solutions is the exclusive endorsed collection partner of the National Propane Gas Association with receivables management programs built around the billing cycles and customer relationships of propane distributors and fuel delivery companies. [View Propane and Fuel Collections →](https://armsolutions.com/industries/home-services?hsLang=en) ### All Industries [View All Industries](https://armsolutions.com/industries?hsLang=en) Why A.R.M. Solutions ## Why Business Owners Choose A.R.M. Solutions Four reasons companies in recurring billing switch to A.R.M. Solutions and stay. 01 — Predictable Cost ### Predictable cost, full recovery Our flat-fee model averages 2.8% of dollars resolved. Payments go directly to you. You keep everything that is collected, and you always know exactly what the program costs before you start. [Learn More →](https://armsolutions.com/flatfee?hsLang=en) … 02 — Relationship Integrity ### Your customer relationships stay intact Outreach is respectful, professional, and conducted as a representative of your brand. Your customers are treated with the same care you would give them. Customers often remain active accounts after resolving a balance. [Learn More →](https://armsolutions.com/first?hsLang=en) … 03 — Every Account Worked ### Every account worked. Full visibility Every account receives the same structured outreach, whether the balance is $90 or $9,000. Accounts can be placed within 24 hours of upload, and you have 24/7 real-time visibility into placement data, payment activity, and recovery performance through the WebView portal. [Learn More →](https://armsolutions.com/reporting?hsLang=en) … 04 — Licensed & Certified ### Licensed, certified, and proven A.R.M. Solutions is licensed and authorized to collect in all 50 states, SOC 2 certified, A+ rated by the Better Business Bureau, and carries no judgments, warnings, or regulatory actions. Our team has over 20 years of experience in both commercial and consumer collections. [Learn More →](https://armsolutions.com/faq?hsLang=en) … ![Technician inspecting valves at a propane storage facility](https://armsolutions.com/hubfs/armsolutions/assets/propane-facility.jpg) Client Results ## Real Clients. Real Results > “ > > A.R.M. has been instrumental in helping us recover past-due balances while maintaining the customer relationships we have worked hard to build. > > O’Connell Oil Associates > “ > > The flat-fee model changed our math entirely. We keep more of what we collect, and our customers are treated well throughout the process. > > Associated Supply Get Started ## Ready to Recover What You’re Owed? Get a free 30-minute consultation, an A.R.M. Solutions specialist reviews your delinquency workflow and aging mix and recommends the right combination of ar collection services for your portfolio. You leave with a clear recovery approach, an estimated cost to collect, and a practical launch path. [Get a Free Consultation →](https://armsolutions.com/contact?hsLang=en) [contact@armsolutions.com](mailto:contact@armsolutions.com) [(888) 772-6468](tel:+18887726468) ### [Make a Payment Received a notice from A.R.M. Solutions? Pay your balance securely online. ⟶](https://armsolutions.com/make-a-payment?hsLang=en) ### [Client Login Access the WebView portal to manage your accounts and track recovery performance. ⟶](https://webview.armsolutions.com/) ### [Become a Client Ready to start recovering past-due revenue? ⟶](https://armsolutions.com/contact?hsLang=en) ![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