ARS National Services, Inc.

ARS National Services, Inc. (ARS) is a third-party debt collection agency that provides services to banks and credit card companies. ARS is located in Escondido, California.

ARS' website states that “results matter most.” ARS puts these words into action when it attempts to collect debt through unlawful means. The Consumer Financial Protection Board (CFPB) is a government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices. The CFPB has received consumer complaints regarding ARS' unlawful debt collection practices, which include complaints of:

• Attempting to collect a debt that is not owed by the consumer;
• Improperly discussing the consumer's debt with a third party;
• Using profane, obscene and/or abusive language; and
• Refusing to validate or provide proof of a debt.

For example, ARS improperly contacted a consumer regarding an alleged debt of the consumer's parents. ARS provided detailed personal information regarding the debt to the consumer. The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RDCPA) regulate debt collectors' communications with third parties. A debt collector is only permitted to contact a third party when the debt collector reasonably believes that person would have information regarding the consumer's location or telephone number. Additionally, the debt collector cannot inform any third party, other than a consumer's spouse or attorney, that the consumer owes a debt.

Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold ARS accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.