Who is ars

Have questions? Call us now at for a Free Case Evaluation. Our services are absolutely FREE to you. The harassing company pays our fees. ARS has five regional offices across the U. 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. Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Misled by a collector? Call our Helpline today! There is no charge unless we win. 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. Find out if we can help you too today! Call NOW. You can sue a debt collector. In , a judge in U. December 28, On November 2, , the U. 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. Since the material facts were undisputed it came down to whether or not the barcode on the outside of the envelope violated the FDCPA. 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. 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.

If this is the case, the credit entry from ARS will be wiped off your credit report, which usually means a better credit score. I recommend opening up a negotiation with ARS and offering to pay forty to fifty percent of the debt amount, as long as the company is willing to remove the collection entry from your credit report upon receipt of payment say, within 30 days of receiving your check. Check out Credit Saint. Many people with medical debt have never heard of ARS National until the agency starts trying to collect on their debt.

Rather than continuing to try to collect your debt, the hospital or clinic can sell your debt to ARS at a low rate. The healthcare provider can get at least some of the money you owe this way. At that point, you owe money to ARS. Just like with medical care, prevention is the best medicine.

Many hospitals now have financial counseling, financial relief for hardship cases, and payment plans available. After the hospital has sold the debt to ARS, they may not be able to make accommodations for payment.

By their nature, debt collection agencies like ARS seem intimidating such as using obscene language or notify your co-workers of your debt. These companies have purchased your debt from your medical provider.

Any money you pay on the debt reimburses ARS the money it paid for your debt. Collection agencies are not required to inform you of your rights or their limits. Read More. Learn More About Our Team. Skip to content Content on BetterCreditBlog.

Who Is ARS National Services Associated Recovery Systems National is a third-party debt collection agency in the United States that collects financial services organizations delinquent accounts, typically medical debts, and credit card companies. Customers have given in 1. Communicate in Writing Get the ball rolling by letting this determined and persistent company know that you want written communication in the future. The next step is demanding proof that the debt in question is rightfully yours!

Put Together A Debt Validation Letter During Step Two, it will be time to craft a letter which is a written demand that the company validates your debt. Never call a debt collector back on the phone cause then they have it. Tell your family and friends and neighbors not to give it out. I promise you that this will end all collections call. Im see something come up on my cedit report but have never gotten anything from anyone.

How do you pay something you never get a bill on? Suddenly a collection appears in Equifax. Today I hired a Law Firm to fix it for me.

I told them to put it in writing and then hung up. Blocked their number also which was unidentified. No letter ever came, no more calls. I returned their call and gave them the file number that they had left for me on a voicemail which stated my social security number had a complaint against it. Two separate people were rude and refused to give me their names and would not allow me to speak with the person who left the initial voicemail. They also refused to tell me who I was supposedly in debt to.

Why would you ever call the collector back on your phone to begin with. Get it all in writing and write them as well. You wonder why you get collection calls. Change num. If you get a call from this collection company or any collection company, tell them that they are on a recorded line before any conversation begins.

The collection company is not likely going to make threats or tell you of a false debt if they are being recorded. No form. All 3 credit bureaus have a dispute website and it costs nothing. Oh no it does not. You had better do your research on this. You are totally responsible because the collection firm has bought the old debt and has every right to go after it.

They can and will sue you. They do not need your signature on any papers. They already have it on the debt they bought. A debt does not disappear just because it was wrote off. The debt you still own for the rest of your life until you pay it off or file for bank ruptcy. If you own property they can put a lien on it as well after a judgment has been placed against you.

I wonder if she will tell my attorney that? They told me the same thing. Said I was going to jail and they were doing a summons for me. They would not tell me what items I purchased but talked to me like a dog. Calling the attorney general in the morning. Everytime I asked a question they got really upset.

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