ARS National Services, Inc offers services related to the Accounts Receivable Management (or debt collection). Debtors whose accounts are held by this collection agency have shared their feedback against this company in the Debt Consolidation Care forums.
Most debtors complain that they haven't had a good experience while dealing with ARS National collection agency. Here's what they have said about the agency:
If you're getting harassing calls from a collection agency, do not hesitate to speak to them. Avoiding their calls will only make the situation worse and the CA may keep on adding extra charges to your outstanding balance. Here's what you should do when you're being harassed and threatened by a collection agency:
Know your rights under the FDCPA: The FDCPA has provisions which state what a collection agency can and cannot do when dealing with individuals who owe money to the collectors. When you're aware of your rights under the FDCPA, it helps you to take necessary action against the CA.
Record the conversation: In case the collection agency representative uses abusive language and threatens you with frequent calls, it is better you record the conversation. Inform the representative that if he doesn't stop making harrasing calls, you'll be reporting it to the State Attorney General. Recording the conversation between the CA and you can be used as an evidence when filing a complaint or a lawsuit. However, you need to make sure whether recording such conversations is considered legal in your state.
Check your credit report: Pull your credit report from any of the 3 credit bureaus and see if you can find an account listing with the collection agency. Check the status of the account as mentioned there.
Go for debt validation: If it's an old debt and you aren't sure that you owe money on the credit account, request the CA to validate your debt. Validation involves the CA sending you proof that you indeed owe the debt. Know more...
Pay your debt: Depending upon your financial situation, you may pay off the debt in full or negotiate with the CA so that they allow you to get out of the obligation by paying much less than you owe. Check out the tips to negotiate a settlement with the CA.
Update account status on credit report: Whether you agree to pay in full or settle your debt, you need to speak to your collection agency and make sure that they'll update the status of the account listing on your credit report, as soon as you pay off or settle the dues. If you pay in full, your account status will be reported as â€œPaid in fullâ€ and in case you settle the dues, it is reported to the bureaus as â€œPaid as settledâ€ or â€œSettled as agreedâ€. However, if you've settled the dues, you can still have your account status updated as â€œPaid in fullâ€ or you may sign a Pay for delete agreement with the CA. Under this agreement, when you settle your dues for less than what you owe, the CA will remove the collection account listing from your credit report. Check out a sample pay for delete request letter.
In case you want to contact ARS National agency and negotiate a payment plan or a settlement, call at the ARS National phone number - (800) 707-1927 or send them a letter at the ARS National collection agency address:
ARS National Services
PO Box 469046 Escondido, CA 92046