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.
What are the ARS National complaints made by debtors?
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:
- Calling third parties repeatedly: A collection agency can only contact third party in case they are not aware of the debtor's location and phone number. But ARS National collection agency is said to violate the FDCPA laws and contact third parties (related to the debtors) repeatedly just to embarrass them for not having paid their bills on time. Know more...
- Calling people who do not owe the debt: ARS National Services collection agency keeps calling the wrong people in order to retrieve the unpaid dues. When these individuals explain that they aren't the ones the agency is looking for, ARS National representatives hardly listen. They keep on making harassing calls unless the individuals put their names on the National Do Not Call Registry. Check out more details on this...
- Refuse to give contact details: Debtors complain that ARS National Services collection agency do not pass on their address details to consumers who want to send them a written request to remove their names from the agency's call list. There are consumers who've already entered their names in the National Do Not Call Registry and as such they feel that the collection agency is violating the laws by calling them over and over again. Such consumers can file a complaint with the Registry if they receive an unwanted call after 31 days have passed since their names have been entered in the Do Not Call Registry. Know more...
- Using abusive language: ARS National collection agency is said to use abusive words while calling individuals who do not actually owe the debt but have been used earlier as reference by the debtors. Even after repeated requests to stop doing so, the agency doesn't stop unless the message is passed on to the debtor and the latter co-ordinates with the agency regarding the payments. Get further details...
ARS National debt collection agency is also known to be very rude to consumers who've wanted to send them a Cease and Desist letter. One such consumer had to go through the State Attorney General's office and the Secretary of the State's office to get the contact information of the agency as because the latter refused to reveal it to them. Know more...
What should you do when harassed by a collection 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.
What are the contact details of ARS National collection agency?
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