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ARS National: How is it dealing with the CA calling from 888-238-8232?

ARS National Services, Inc offers services related to the Accounts Receivable Management (or debt collection). Debtors whose accounts are held by this collection agency have shared their feedback against this company in the Debt Consolidation Care forums.

What are the ARS National complaints made by debtors?

Most debtors complain that they haven't had a good experience while dealing with ARS National collection agency. Here's what they have said about the agency:

  • Calling third parties repeatedly: A collection agency can only contact third party in case they are not aware of the debtor's location and phone number. But ARS National collection agency is said to violate the FDCPA laws and contact third parties (related to the debtors) repeatedly just to embarrass them for not having paid their bills on time. Know more...
  • Calling people who do not owe the debt: ARS National Services collection agency keeps calling the wrong people in order to retrieve the unpaid dues. When these individuals explain that they aren't the ones the agency is looking for, ARS National representatives hardly listen. They keep on making harassing calls unless the individuals put their names on the National Do Not Call Registry. Check out more details on this...
  • Refuse to give contact details: Debtors complain that ARS National Services collection agency do not pass on their address details to consumers who want to send them a written request to remove their names from the agency's call list. There are consumers who've already entered their names in the National Do Not Call Registry and as such they feel that the collection agency is violating the laws by calling them over and over again. Such consumers can file a complaint with the Registry if they receive an unwanted call after 31 days have passed since their names have been entered in the Do Not Call Registry. Know more...
  • Using abusive language: ARS National collection agency is said to use abusive words while calling individuals who do not actually owe the debt but have been used earlier as reference by the debtors. Even after repeated requests to stop doing so, the agency doesn't stop unless the message is passed on to the debtor and the latter co-ordinates with the agency regarding the payments. Get further details...

    ARS National debt collection agency is also known to be very rude to consumers who've wanted to send them a Cease and Desist letter. One such consumer had to go through the State Attorney General's office and the Secretary of the State's office to get the contact information of the agency as because the latter refused to reveal it to them. Know more...

What should you do when harassed by a collection agency?

If you're getting harassing calls from a collection agency, do not hesitate to speak to them. Avoiding their calls will only make the situation worse and the CA may keep on adding extra charges to your outstanding balance. Here's what you should do when you're being harassed and threatened by a collection agency:

Know your rights under the FDCPA: The FDCPA has provisions which state what a collection agency can and cannot do when dealing with individuals who owe money to the collectors. When you're aware of your rights under the FDCPA, it helps you to take necessary action against the CA.

Record the conversation: In case the collection agency representative uses abusive language and threatens you with frequent calls, it is better you record the conversation. Inform the representative that if he doesn't stop making harrasing calls, you'll be reporting it to the State Attorney General. Recording the conversation between the CA and you can be used as an evidence when filing a complaint or a lawsuit. However, you need to make sure whether recording such conversations is considered legal in your state.

Check your credit report: Pull your credit report from any of the 3 credit bureaus and see if you can find an account listing with the collection agency. Check the status of the account as mentioned there.

Go for debt validation: If it's an old debt and you aren't sure that you owe money on the credit account, request the CA to validate your debt. Validation involves the CA sending you proof that you indeed owe the debt. Know more...

Pay your debt: Depending upon your financial situation, you may pay off the debt in full or negotiate with the CA so that they allow you to get out of the obligation by paying much less than you owe. Check out the tips to negotiate a settlement with the CA.

Update account status on credit report: Whether you agree to pay in full or settle your debt, you need to speak to your collection agency and make sure that they'll update the status of the account listing on your credit report, as soon as you pay off or settle the dues. If you pay in full, your account status will be reported as “Paid in full” and in case you settle the dues, it is reported to the bureaus as “Paid as settled” or “Settled as agreed”. However, if you've settled the dues, you can still have your account status updated as “Paid in full” or you may sign a Pay for delete agreement with the CA. Under this agreement, when you settle your dues for less than what you owe, the CA will remove the collection account listing from your credit report. Check out a sample pay for delete request letter.

What are the contact details of ARS National collection agency?

In case you want to contact ARS National agency and negotiate a payment plan or a settlement, call at the ARS National phone number - (800) 707-1927 or send them a letter at the ARS National collection agency address:

ARS National Services
PO Box 469046 Escondido, CA 92046

Anyone dealt with these people before? Dell is cla...
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Anyone dealt with these people before? Dell is claiming that ARS National has at least one of my husbands dell accounts. And they claim that ARS National collection agency has mine as well (I have one). Although my husband has four accounts with Dell--oxford is calling saying they have all four, yet dell has emailed me back on one account so far, and they're saying that ARS has it. This is INSANE!!!!!!!!! can I go jump off a bridge now? I'm waiting to hear back now about who has the rest of the accounts. These accounts have been passed around like hotcakes. and tell me, why is this????? if I ask for validation, here we go again. The last I heard (three months ago), oxford had two and Encore had two. This is the first I've heard of ARS having any of these accounts.

sorry, got carried away there for a minute. was just wondering if anyone here has dealt with these folks before? I'm starting to think in the terms of a lawyer---can we say L-A-W-Y-E-R?? if I had the money, I'd jump on it in a second. These people have jerked me around long enough. thanks, shirley

Wow...every time I think it isn't possible to be more complicated.


It seriously does seem like you are being jerked around, and I DON'T LIKE THAT! I don't think it would hurt to take a free consultation with a lawyer that knows his laws in this type of situation. Of course, I wouldn't have a clue as to where to start to find one. What is the next step you are going to take??


Sub: #1 posted on Tue, 02/28/2006 - 21:58

Mary Mary

(Posts: 1344 | Credits: )

well, I am going to wait to see if this person emails me back from Dell. I actually got an email from a real person with a real name and job title! so I'm going to wait and see if she writes back. Also, I sent out a certified letter on monday, will wait and see what that comes back saying. compair the info from the letter to the info from the email and see if their info matches up. Then go from there writing the collection agencies in charge.

This just doesn't seem right or legal to me the way they have handled all of this.

Sub: #2 posted on Tue, 02/28/2006 - 22:22

imkimssister imkimssister

(Posts: 1301 | Credits: )

Well as always, we are behind you and beside you, every step! Hopefully that e-mail will come back with something that makes sense.


Sub: #3 posted on Tue, 02/28/2006 - 22:27

Mary Mary

(Posts: 1344 | Credits: )

thanks mary!! I really appreciate your sweetness and support! hugs, shirley

Sub: #4 posted on Tue, 02/28/2006 - 22:53

imkimssister imkimssister

(Posts: 1301 | Credits: )


I think all the debtors should follow few steps-

  • Ask for validation. Unless the CA validates the debt, they cannot start collection activities.
  • Never pay anyone without written agreement.
  • Keep all the documents of your payments for the rest of your life; they can come up with peculiar claims any day.

I know you have been dealing with these accounts for so many days. Hope you will get some positive response this time. Keep us posted.

Sub: #5 posted on Wed, 03/01/2006 - 09:59

stanley stanley

(Posts: 1640 | Credits: )

Thank you Stanley!!!! ((hugs)) I totally agree with all of your points there. I think more so than ever, because of these accounts getting scattered left and right every time I ask for validation--and now some companies say they have these accounts while I'm hearing that other companies have them. This has just gotten crazy! I can't do anything until I know who has what! I have emailed a person at Dell and sent Dell a certified letter on monday-also certified letters to the collection agencies THAT I THOUGHT had the accounts. Turns out now the accounts have changed hands again. gonna wait to see what I hear back. But I almost can't do anything right now, this is so tangled up! but thanks again Stan! shirley

Sub: #6 posted on Wed, 03/01/2006 - 10:08

imkimssister imkimssister

(Posts: 1301 | Credits: )

8) :lol:

Sub: #7 posted on Thu, 06/12/2008 - 10:13

tsacgiv tsacgiv

(Posts: 2106 | Credits: )

If you ask a 3rd party collection agency to not call you at one of your numbers, they are not allowed to BY LAW. Once Dell sent your debt to a collection agency, it gets passed around through several. ARS is generall the 2nd or 3rd agency it goes to. A file is generally in a collection office for 6-12 months. If you speak with a Rep, verify your info, you can then find out if they still have the debt - and if so, work out arrangements for resolution. Remember - your charged off debt is accruing interest every day. Sometimes a settlement is the best way to get rid of the debt, often at less than what you originally owed.

Sub: #8 posted on Thu, 10/30/2008 - 14:27


ARS National collection agency violates several fdcpa rules and often! They are known for calling third parities in attempt to embarrass the debtor. In most cases they will call anyone even remotely associated with you. They can only do so once to find out your location/phone number. However, they breach this law over and over. I have had phone call after phone call from these jerks and found out that recording them makes them squirm! ARS National collection agency fails to give me real names and I will often re-play the communication for them with a supervisor/account manager. Your best bet is to take them out of play because, giving them money is like giving a crackhead money! You are not dealing with honest people here so, save yourself some time and grief. You have rights under the FDCPA, look up the site. Times are hard and honest people are being harassed by these idiots! I'm not limiting the idiot name to just ARS, but collection agency practices as a whole.

Sub: #9 posted on Thu, 11/06/2008 - 12:29


I am a third party and have come head to head with these harassing phone calls. I have never been treated in such a rude manner in my life and I am so angry and upset over the treatment I have received from these people that I am shaking! The "Witch" that keeps calling has informed me that she will keep calling until I get a message to the person she is calling for. I've tried to explain that person is not at this number, has never lived here and in fact does not and has never even lived in this state! These people are horrible and have no business dealing with the public. I don't know what she thinks she will accomplish treating me in the manner she is, but it won't be what she thinks she's doing. Miss "tuffy" has another "think" coming. I have called their number and they will not give out their address. I have asked to be put on their no-call list and to never receive a call from them again and reported "Jasmine", but of course they would not let me speak to a supervisor. How can we stop these idiots???

Sub: #10 posted on Wed, 02/25/2009 - 10:45


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