Stop ARS National Services Harassment

ARS National Services operates with over 25 years of experience collecting for major banks and credit card companies across all 50 states. Despite claims of FDCPA compliance and professional training, they’ve faced over 560 federal lawsuits alleging consumer rights violations.

If they’re harassing you with aggressive tactics, you have rights under the Fair Debt Collection Practices Act (FDCPA). You can stop the harassment and recover up to $1,000 in statutory damages plus attorney fees.

Who Is ARS National Services?

ARS National Services Inc. is a third-party debt collection agency based in California, established in 1987. With over 25 years in operation, ARS National Services (ARS) works with major financial institutions, including national banks and credit card companies, to recover consumer debts.

• Location: California
• Years in Operation: 38+ years (since 1987)
• Scope: Operates across all 50 states
• Specialization: Credit cards, personal loans, retail financing, medical billing

Key Details: Claims compliance-focused approach with modern communication methods (phone, text, letter, online portal at arspayment.com). Emphasizes professional training and negotiation flexibility with “Relief Reduction” settlements. Despite decades of experience, faces over 560 federal lawsuits alleging high-pressure tactics and FDCPA violations.

ARS National Services Phone Numbers

Is ARS National Services a Scam?

ARS National Services (ARS) is a legitimate debt collection agency established in 1987, not a scam. They work with major banks and financial institutions across all 50 states. However, legitimacy doesn’t prevent debt collection harassment.

With over 560 federal lawsuits alleging consumer rights violations, their compliance claims don’t match the legal record. Always verify debts before paying.

ARS National Services Lawsuits

Despite claims of FDCPA compliance, ARS National Services (ARS) has faced over 560 federal lawsuits. Key cases include:

• Gashilova v. ARS National Services (2017): Alleged failure to disclose if balance might increase due to interest or fees
• Campbell v. ARS National Services (2017): Class action for unfair debt collection practices
• Robinson v. ARS National Services (2017): California class action for unfair and unconscionable collection means
• Dervitz v. ARS National Services (2021/2024): Putative class action for disclosing personal debt information to third-party mailing vendor, violating FDCPA and state fraud acts
• Hines v. ARS National Services (2018): Alleged misleading consumer about total debt amount
• Brown v. ARS National Services (2018): Alleged misrepresentation of debt dispute rights
• Mateo v. ARS National Services (2016): Class action alleging deceptive settlement offers creating confusion about tax consequences and consumer rights

These 560+ lawsuits demonstrate ARS National Services (ARS) faces systematic legal challenges despite their stated compliance focus.

How to Stop ARS National Services Harassment

Request Debt Validation

Send written request via certified mail demanding ARS National Services (ARS) prove:

• Original creditor name and account details
• Exact amount owed with itemization
• Whether balance is accruing interest or fees (critical given Gashilova case)
• Proof they’re authorized to collect
• Clarification of any settlement offers and tax consequences (critical given Mateo case)

They must stop collection until providing validation.

Verify Settlement Offers

If ARS National Services (ARS) offers “Relief Reduction” or settlement, get everything in writing before paying. The Mateo case alleged they used deceptive settlement offers that confused consumers about tax consequences. Demand clear explanation of:

• Exact settlement amount
• Tax implications of forgiven debt
• Whether settled debt will be reported to IRS
• All terms in plain language

Challenge Third-Party Disclosures

The Dervitz case alleged ARS National Services (ARS) disclosed personal debt information to third-party mailing vendors. If you suspect they’ve shared your debt information with unauthorized parties, document this potential FDCPA violation.

Send Cease Communication Letter

Written notice via certified mail stops most contact. ARS National Services (ARS) can only contact you to confirm they’ll stop or notify you of legal action.

Check Statute of Limitations

Verify if your debt is past your state’s statute of limitations (typically 3-6 years for credit card debt). If time-barred, ARS National Services (ARS) cannot legally sue you, though they may still attempt collection.

Document Everything

Record dates, times, caller names, and conversation content. Note:

• Calls outside 8:00 a.m. to 9:00 p.m.
• Misleading statements about debt amount
• Settlement offers without clear tax consequence explanations
• Failure to disclose if balance is accruing interest/fees
• High-pressure tactics despite professional training claims

File Complaints

• FTC
• California Attorney General: Consumer Protection Division
• Better Business Bureau: Document patterns

Contact The Wood Law Firm

If ARS National Services (ARS) violated the FDCPA, contact us at +1 844-638-1122. With 560+ federal lawsuits on record, their pattern of violations is well-documented. You may recover up to $1,000 per violation, plus actual damages and attorney fees ARS National Services (ARS) must pay. We work on pure contingency. You pay nothing unless we win.

How to Remove ARS National Services from Your Credit Report

ARS National Services (ARS) can report debts to all three major credit bureaus (Experian, TransUnion, Equifax), potentially lowering your credit score:

Obtain Credit Reports

Request free copies from all three bureaus. Review for ARS National Services (ARS) entries and check for inaccuracies.

Identify Errors

Look for:

• Debts that aren’t yours
• Incorrect amounts (especially given Hines case alleging misleading debt amounts)
• Outdated information
• Debts you’ve already paid
• Settled debts reported incorrectly

Dispute Inaccuracies

File disputes with credit reporting agencies providing supporting documentation like payment receipts or debt validation responses showing inaccuracies.

Request Validation

If ARS National Services (ARS) cannot validate the debt when challenged, they cannot continue reporting it to credit bureaus.

Monitor Your Credit

Regularly check your credit report to ensure corrections are made and no new errors appear.

How The Wood Law Firm Stops ARS National Services Harassment

We’ve helped hundreds stop collectors like ARS National Services (ARS) from illegal tactics. We know their 560+ lawsuit history demonstrates systematic FDCPA violations despite compliance claims. We’ve successfully stopped harassment from debt collection agencies with similar patterns of federal lawsuits.

We work on pure contingency, holding ARS National Services (ARS) accountable for every FDCPA violation, especially those involving misleading debt amounts, deceptive settlement offers, and third-party disclosures documented in their extensive lawsuit history.

Attorney Jeff Wood Fights High-Volume Debt Collector Harassment

Attorney Jeff Wood founded The Wood Law Firm after witnessing how large agencies exploit consumers despite claims of professional training and compliance.

With an A+ Better Business Bureau rating and extensive experience challenging collectors with 500+ federal lawsuits, Jeff knows their systematic violations. When ARS National Services (ARS) claims compliance but faces 560+ lawsuits, Jeff forces accountability through aggressive legal action.

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