With more than 500 employees, ARS National Services company is one of the biggest federal debt collection agencies. Additionally, it does business as Associated Recovery Systems. 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.
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According to the Better Business bureau (BBB), ARS National Services is a legitimate collection agency based in California. ARS has five regional offices across the U.S., and utilizes robocalls, letters, skip tracing, and other conventional approaches for debt collection. Their site emphasizes recruitment of new workers as much as it does services to corporate customers and “helping” customers to “find viable repayment options.”
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.
ARS National Services, Inc.
201 W. Grand Avenue
Escondido, CA 92025
Phone Number: 800-456-5053
It is illegal for a debt collector to threaten 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!
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Absolutely. Here are some Sample Cases
In 2015, a judge in U.S. District Court, District of New Jersey, refused ARS National Services motion to dismiss Park v. 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 v. 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.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Phone Numbers Employed by ARS National Services
Your debt harassment checklist:
- 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 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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.”
Odds are, we can. Contact us and tell us how we can help.
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