- Who is ARS National Services?
- ARS National Services Complaints?
- ARS National Services Lawsuits
- ARS National Services Contact
- ARS National Services Calling?
- Stop ARS National Services Debt Collection Harassment
- How can I Delete ARS National Services from My Credit Report?
- How Can I Deal with ARS National Services?
With more than 500 employees, this 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.
ARS National Services firm 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.”
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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.
Sample Case Filed in Federal Court against ARS National Services
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.
Absolutely. Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against ARS National Services Inc
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.
ARS National Services, Inc.
201 W. Grand Avenue
Escondido, CA 92025
Phone Number: 800-456-5053
Understanding Your Debt Collection Rights
The Fair Debt Collection Practices Act (FDCPA) provides customers with a variety of rights regarding debt collection strategies. 1 subset of rights has to do with the times and places debt collection agencies can call customers. By way of instance, debt collection agencies can’t call customers early in the morning or late at night, or in any other time or place known to be inconvenient to the consumer. If violations of the FDCPA happen, the customer can sue in federal court and possibly recover up to $1,000 in damages, plus legal fees.
There’s another national consumer law which that collection agencies occasionally violate. The Telephone Consumer Protection Act prohibits, by way of instance, robocalls to a customer’s cell phone when the consumer didn’t give their approval to be robocalled. Oftentimes, debt collection agencies utilize automatic telephone dialing systems to robocall consumers. When TCPA violations occur, a customer can sue that collection service and recover up to $1,500 per telephone in damages.
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 recieving 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 a Debt collector does not send you a validation letter or if the letter does not say your right to dispute the debt, to speak with a representative directly and immediately call 844-685-9200 for a free, no obligation case evaluation. Debt collectors should be held liable.
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.”
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