Free Help to Stop ARS National Services 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

ARS National Services
ARS National Services Inc 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 ARS National Services?

ARS National Services is a third-party debt collection agency based in California. ARS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and threatening to take actions that cannot legally be taken. If you have been contacted by this debt collector, make sure you understand your rights before responding.

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 ARS National Services a scam?

ARS National Services is a legitimate debt collection agency. It has been in business for over 20 years and has five regional offices across the U.S. The company has a BBB rating of A+ and has been accredited by the Better Business Bureau since 2000.

Why is ARS National Services calling me?

If ARS is calling you, it is likely because you owe money to one of their clients. They may be trying to collect the debt in full, or they may be willing to work out a payment plan. ARS uses a variety of methods to collect debts, including robocalls, letters, skip tracing, and in-person visits. If ARS has contacted you about a debt, you have certain rights under the Fair Debt Collection Practices Act (FDCPA). These rights include the right to be informed of the debt, the right to dispute the debt, and the right to be treated fairly by the debt collector.

Who does ARS National Services collect for?

ARS National Services primarily collects on behalf of financial services organizations, like banks and credit card companies, but it does also collect debt for different industries. Its business motto is targeted to customers, prospective employees, and to customers targeted by its own debt ranges: “Move Forward With Your Life.

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 ARS National Services?

As of March 2017, the Better Business Bureau reported 35 closed ARS National Services complaints over the previous few decades, including 7 shut ARS National Services complaints over the past 12 months. The BBB provides ARS National Services an A+ rating. Additionally, Justia lists 27 ARS National Services complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 25 closed ARS National Services complaints for 2016.

Contact Information

ARS National Services, Inc.
201 W. Grand Avenue
Escondido, CA 92025
Phone Number: 800-456-5053

Can ARS National Services 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 ARS 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 you help me file a No Fee Lawsuit against ARS National Services?

Absolutely.  You can sue a debt collector. Here is a Sample Case Filed in Federal Court:

In 2015, a judge in U.S. District Court, District of New Jersey, refused ARS National Services motion to dismiss Park vs. ARS National Services for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s conclusion, ARS National Services delivered the customer four debt collection letters from window envelopes which revealed the customer’s account number embedded in a barcode. The customer claimed that this was a violation of the FDCPA’s prohibition on using any language or symbol on an envelope besides the debt collection agency’s speech. ARS National Services argued that, since the account number was embedded in a barcode, it was a “benign symbol” exempt from the FDCPA. Drawing on legal precedent that determined that a real account number visible through a window envelope was an FDCPA violation, the judge was not persuaded by ARS National Services’ debate, and allowed the case to proceed.

Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against ARS National Services

December 28, 2015. On November 2, 2015, the U.S. District Court, Western District of Pennsylvania, denied a motion from ARS National Services for judgment on the pleadings (Link vs. ARS National Services, No. 15-643) alleging that ARS National Services violated the Fair Debt Collection Practices Act (FDCPA).

The case centers on an envelope that ARS National Services sent Ms. Link. ARS National Services sent Ms. Link a collection letter that had a barcode on the outside of the envelope. When the barcode was scanned with the proper device or a smartphone camera, an account number connected to Ms. Link was revealed.

ARS National Services moved for judgment on the pleadings. This means the court should dismiss the case if it found that there was no dispute between the parties about the material facts and it was not possible for Ms. Link’s assertions to constitute a violation under the FDCPA even if everything she claimed was true. Since the material facts were undisputed it came down to whether or not the barcode on the outside of the envelope violated the FDCPA.

ARS National Services argued that the barcode did not violate the FDCPA because it fit into the law’s “benign language” exception since the only information that could be gleaned from it was an internal account number. The court disagreed and relied on language in the FDCPA saying it should be broadly construed, and the potential harm the disclosure could cause. A binding case requires that the court look at the potential of the information to identify the debtor. Since the account number is directly tied to Ms. Link, it is therefore possible for her identity to be found out from the barcode.

For the above reasons the judge denied ARS National Service’s motion for judgment on the pleadings, and Ms. Link’s case alleging FDCPA violations can more forward.

ARS National Services 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:

  • 203-204-2994
  • 210-767-2945
  • 909-912-7400
  • 904-548-3089
  • 866-529-5884
  • 760-659-5146
  • 410-698-4733
  • 520-254-4623
  • 678-701-9191
  • 678-733-9559

Can I sue ARS 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.

Want to Stop ARS National Services Debt Collection Harassment Now?

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

“A belated thanks for your company. I still get an occasional call but when I ask them not to they cease. Hopefully sometime in the future all of the collection agencies will be emptied. The peace from the constant calls is refreshing.”

“We are writing to express our sincere thanks and to convey how very happy we’ve been, from first contact, together with the services offered by your firm — specifically by the lawyer who handled our situation, Vlad Hirnyk.”

“Know that you, Vlad, and your company did a fantastic thing. You took on a huge company for small people and righted a wrong. For this we are thankful.”

Can You Help Me Delete ARS National Services from My Credit Report?

Odds are, we can. Contact us and tell us how we can help.

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
  • Sabrina R

    ARS has been calling family and friends. I have not received a phone call from them. I am current on all my bills and have no clue what the issue is. They have not sent any mail with any information. My credit report is not showing anything involving ARs. They have been harassing my family and friends looking for me for the last month and still have not reached out to me. They call them several times a day leaving threatening messages if I do not call the guy back. Why would a company not reach out to me if it’s me they are looking for? My family is tired of it and how do they even get friends and family members phone numbers? How do I get it to stop?

  • Jacqueline H

    ARS has been harassing me for weeks and I have no idea why. I have absolutely nothing that I owe. I’ve even checked all three credit bureau’s to double check and there’s nothing. They call and text me every single day, non stop for a couple of months now. They say for either me or my attorney to call them back or they will take legal action against me. I have never received anything in the mail besides another different debt collector trying to harass me about money I don’t owe. I googled the company and they are a legitimate debt collector. However, I have no debt and they are harassing me and I want them to stop.

  • Ashley L

    Received texts messages from ARS at 2:00-3:00 AM CST collecting debt.

  • Jessica R

    They have been harassing me since 2015 ; it’s now 2022 – 7 years of harassment and they have not let up nor respected any of my disputes even knowing for a fact I have Medicaid during that supposed medical charge they’re accusing/charging my credit for – for 7 years! Again too much harassment and nonstop 7 years of it!! Imagine that!

  • Liz

    They call constantly (5 times or more a day), & leave messages stating they’re preparing to take legal action against me. They’ve even left messages stating the same thing on my husbands vm. They fail to state they’re a debt collector in their messages, just that they’re ARS, & it’s in my best interest to call them before they take legal action. Pretty sure they’re the ones violating some laws, not me.

  • Giresse T

    Receiving frequent threatening calls from ARS from numerous numbers . The last call i received was from 717-614-8244 today stating they are about to make final decisions on a debt i have no knowledge of. The have never sent me documentation about the case they are claiming and i don’t even know what debt they are trying to collect. I usually don’t like answering calls from Collection agencies because they are so annoying and tell to harrass people. If it was serious, they would have at least sent me a letter in the email with details of the case. They have even gone to the extend of trying to figure out my friends and calling debt about this case-this is crazy!


    ARS is non stop!! Im so sick of the constant calls from them threatening to sue me, ect they are trying to collect over 700 dollars on an account that was under 300 its insane, they have called me over 15 times in the last month or so, they went as far as figuring out who i was married to and calling him. How i have no idea!! I’ve told them id like to make payments they refuse and say it needs to be in full, i say im unable do to being unemployed and then they go and put my so called “file” as a refusal!! Im so sick of this!!

  • Amber

    A have several collections accounts from ARS, but I have been working on my credit for almost a year and have most of them removed, however one collection is for my daughter when she was 1, she in now 4. Anyhow they keep reporting the account as verified, so I called the hospital, and they themselves or any surrounding clinics can not find my daughter being there 11/12/17, they do have her there 11/16/17 which was paid, so I then called Medicaid they do have an attempt to collect a debt on that date from someone, but she was not covered until the next day. My question is how can they verify the debt, if the hospital can not even verify she was there?

  • Pam R

    Receiving frequent threatening calls from ARS from 716-362-9662 stating they are calling me about a “case that is leaving their office Friday to be filed in Cobb County” against me. They claim to have mailed me documentation, which is not true. I have no account with this company and they do not state who they represent. I have received NO written information either. They have not looked up my boyfriend’s phone number and are calling him leaving the same threatening voicemail. This seems to be a violation and I would like to pursue legal action against them.

  • Angel J

    I have been getting calls from ARS National Services harassing me at all times of the day. They have called me over 25 times in the past several weeks and I have told them to stop calling me and that I am being harassed they have sometimes called me before 7am and late at night.

  • Cassie T

    ARS National Services just called looking to speak with my husband. The man was friendly but rushing. I said that I was his wife and he wasn’t home right now. He asked me if I knew of the Chase account ending in the last 4 numbers of the account that they were collecting on. I said yes and he told me how much was owed and asked if we could make a payment or settle the debt at a discounted rate. Can they speak to me without my husband’s permission about his account?

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