Free Help to Stop American Recovery Service Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

American Recovery Service
American Recovery Service Inc or ARSI is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is American Recovery Service Inc or ARSI?

American Recovery Service, Inc or ARSI is a third-party collection agency based in Southern California. ARSI has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and using false or misleading language in an effort to collect a debt. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is American Recovery Service a scam?

They’re legit. According to the Better Business Bureau (BBB), American Recovery Service, Inc. is a legitimate collection agency founded in 1986. The BBB established a profile page for American Recovery Service or ARSI in 1998. American Recovery Service is listed as a collection agency and collection system provider.

According to its website, ARSI’s mission is “to be an industry leader through superior client service, dignified account management, and innovative technology integration.” In addition, ARSI is “committed to maintaining this leadership through constant investment in…people and facilities and the development of accounts receivable solutions.”

Who does American Recovery Service collect for?

American Recovery Service’s one-page website does not provide a lot of detailed information about its business practices, and there is no information about its client base or of the industries it serves. ARSI states that it is “committed to providing ethical and professional collection services to its clients.” Furthermore, ARSI’s staff “understands the difficulties and stress that can be associated with financial difficulties and seeks to work towards solutions to these financial problems.”

ARSI cites its affiliations with the International Association of Credit and Collection Professionals (ACA International) and the International Association of Commercial Collectors (IACC). The Frequently Asked Questions section provides contact information for making payments and a statement about the security of its technology and data transmission. However, they do not provide any links or references to consumer protection resources, laws, or enforcement agencies.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against American Recovery Service Inc or ARSI?

As of September 2017, the Better Business Bureau reported 25 closed complaints against American Recovery Service during the last 3 years, including 5 closed within the last 12 months. 8 of the 25 complaints were related to billing/collection issues. Overall, the Better Business Bureau has assigned a rating of A+ to ARSI. In addition, Justia lists 10 complaints filed in federal court naming American Recovery Service as a defendant and alleging violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Further, the Consumer Financial Protection Bureau (CFPB) lists 5 closed complaints in the past 12 months.

Contact Information

American Recovery Service, Inc.
555 Saint Charles Dr., Ste. 100
Thousand Oaks, CA 91360-3983
Telephone: (805) 379-8500

Can American Recovery Service Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely ARSI would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can I file a lawsuit against American Recovery Service Inc at no charge to me?

Absolutely. You can sue a debt collector. Here is a brief summary of Cases Filed in Federal Court

In October 2017, in United States District Court, Eastern District of New York, a judge issued a Memorandum Decision and Order in a case alleging American Recovery Service, had violated certain provisions of the FDCPA. In this case, the plaintiff had acquired debt using a credit card issued by Bank of America (BofA). After charging off the debt, BofA sent the debt to ARSI for collection, and a week later ,ARSI sent the plaintiff a collection letter. The letter stated in part that “as of the date above, the plaintiff owes $14,413.78.” In addition, the letter included a table “identifying Bank of America as the ‘original creditor’; the ‘total amount of the debt due as of charge-off’ as $14,413.78; the ‘total amount of interest accrued since charge off’ as $0; and the ‘total amount of non-interest charges or fees accrued since charge-off’ as $0.” The letter went to state that “the balance owed above reflects the total balance due as of the date of this letter. The itemization reflects the post charge-off activity we received from” BofA. ARSI also sent a second letter listing the balance owed, with the same figure indicated above, and without the language, “as of the date of this letter.” The plaintiff alleged that the letter violated three provisions of the FDCPA: “(1) … the general prohibition against ‘deceptiveor misleading’ representations in Section 1692e; (2) … the specific prohibition against ‘the use of any false representation or deceptive means . . . to attempt to collect any debt’ in Section 1692e(10); and (3) … Section 1692g, which requires that a collection letter state the amount of the debt.”

In deciding whether ARSI was guilty of the stated violations, the court considered an earlier decision about misleading collection letters, which found in a similar case that:

“A reasonable consumer could read the notice and be misled into believing that she could pay her debt in full by paying the amount listed on the notice. In fact, however, if interest is accruing daily, or if there are undisclosed late fees, a consumer who pays the ‘current balance’ stated on the notice will not know whether the debt has been paid in full.”

The judge in this case expressed his concern that the precedent set by this case was sometimes taken advantage to hold collection agencies liable for extremely minor infractions. He was also concerned about some of the factual differences between the two cases. However, after a thorough analysis, he agreed that the ARSI’s letter was written with the specific intention of influencing the consumer’s behavior by using language that was deliberately misleading. As a result, the plaintiff’s motion for summary judgement was granted, and the court issued an order “to schedule a conference to discuss resolution of…class certification and damage…claims.”

American Recovery Service – ARSI Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Consumers have reported this agency harassing them from the following numbers:

  • 805-379-8500
  • 800-398-6480  

Can I sue ARSI for harassment?

Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”

“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”

Can You Help Me Delete American Recovery Service from My Credit Report?

Chances are good that we can help.  Call us today and we’ll explain.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Andrea M

    I was getting multiple calls from ARSI while I was at work and I finally called back to let them know not to call me during my work hours. I spoke to reception, a girl named Teresa? She was very rude and disrespectful and would not let me speak. She also would not answer my questions and kept harassing me for my name and number. I asked to speak to a manager and she hung up. I also called back the next day to speak to Compliance and the woman I spoke to was Megan Guterrez? She sounded like a child in middle school so I definitely think this place is a scam and is trying to scam people for their good earned money! DESPICABLE!

  • Quentin D

    I keep getting letters in the mail from ARSI saying that a check will be presented to my bank for $256.00 on a near future date. I don’t even know what the heck they are trying to collect. Can they do this? Just present a check to my bank?

  • Mary

    Not sure what is going on. Woman called today and got snippy when I said to SLOW DOWN.

    Said it was in reference to our daughter. Pushed for a phone # which I would not give.

    She said to have her call 88 564 5052.
    Called that number to verify and young man who answered was very rude. Again tried to keep talking fast. I asked for respelling of Jennifers last name and he kept playing dumb. I finally said that we cannot help if he will not respell last name. He then said that nothing done a court order will be created and hung up on me.

    Called back and talked to a Kyle who was nicer. Got the last name respelled. Carabello.
    Court date would be for monmouth, NJ.

    Have no idea what this is about. If it is real? Is it a scam? Need help

    Talked to our daughter , who by 2011, was not living in Monmouth NJ.

    I called the second number back and requested for documents to be sent to validate
    1. Her signature
    2. The debt
    3. The company who was owed the debt
    4. And the calling company.

    The woman said no because our daughter had gotten the certified documents, which I said impossible.

    Without saying when or where our daughter is, I asked for the addresses. Neither have been hers.since late 2011.

    She said they are not debt collectors but part of the federal govetnment.

    Again, i asked for paperwork to be mailed and she refused.

    I said we had a family lawer advise us to validate because of the fraud present at this time.

    She said to have the lawyer call, a number that cannot be verified. So not going to happen.

    What can or should be done now.

  • Trisha A

    American Recovery called me being very disrespectful and threatening to garnish my wages. They never stated who they were but demanded money for a student loan.

  • Deb B

    When Obama cut funds for childcare not only did it hurt parents on SRS but I lost all my children forcing to close my daycare! I am now living on disability SSA which as you know is very limited! I closed my daycare in 12/30/2009 or around there! So due to that I was still waiting for disability which took a few more years meanwhile I had no income of any care to pay my bills, rent and food! By the time I received SSA my credit cards were so cloose to being removed on my credit report! I have to go to court a few times but it was junk buyers that filed those papers! This very company I believe was the one who somehow got a court order for over $1000.00 of my disability money! I tried everything to get my money back but not court! I did talk to a lawyer about what to do, file bankruptcy or what? The message I received was do nothing because I didn’t owe that much and going for unlawful means to get my disability back would cost me more to hire a lawyer and fees would cost more then I could recieve! They told me just try and stay under the radar, so I did! I have had to put up with so many papers from this junk buyer that it only stresses me which agitates my health! I assume that it’s still against the law to try and get my disability! Can you tell me how to get rid of this junk buyer who has at times changed the dates as if I called them to setup payments! I’m not stupid to their tactics but it really hurts my health and I am running out of fight! They don’t play by the rules! God bless!

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