Account Recovery Services Phone Harassment?
Is Account Recovery Services (ARS) calling you? Stop Account Recovery Services phone harassment. Account Recovery Services is a debt collection agency and an account recovery service involved in debt collection practices. Have you been called repeatedly by Account Recovery Services, or received telephone calls at all hours or several times a day? Do they threaten to take legal action, garnish your wages, or make other threats? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from making harassing telephone calls or using threats, and these laws are designed to protect consumers from harassment. You have the legal right to stop ARS phone harassment. If a collection agency has violated the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. Consumers can take action if their rights are violated.
Is Account Recovery Services a Scam?
According to the Better Business Bureau website, they have been in business for 27 years. There have been 11 complaints filed against ARS with the BBB.
Account Recovery Services Better Business Bureau
Who is Account Recovery Services?
Account Recovery Services (ARS) is a debt collection agency and account recovery service located in Goodyear, Arizona. ARS works on behalf of creditors to recover outstanding debts and may have contacted consumers regarding these debts. They have been a party to a Federal Court case over 20 times. ARS has been accused of violating consumer’s rights and using illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. As a legitimate debt collection agency, ARS is listed with the Better Business Bureau.
Address: PO Box 7648
Goodyear, AZ 85338-0645
Phone: (480) 483-2190
Account Recovery Services Collection Tactics
If they engage in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Making persistent debt collection calls or calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you for unpaid debts, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
- Reporting unpaid debts to credit bureaus, which may result in collection accounts on your credit report
ARS may also offer a deal or settlement to resolve your payments, allowing you to negotiate the amount owed.
Certain tactics, such as harassment or improper conduct, may constitute violations of federal laws like the FDCPA.
Account Recovery Services Phone Numbers
Are you receiving any harassing telephone calls or receive calls from any of the following numbers?
480-483-2190, 800-958-2678, (480) 483-2190, (800) 958-2678, 4804832190, 8009582678
If the answer is yes, then you are being contacted and receiving calls from a known ARS number. You may be a victim of ARS phone harassment. The list above is not all the numbers that ARS uses. The telephone calls can be from a different number and it still be Account Recovery Services contacting you. Contact our office right away so we can start the process to stop ARS from calling you illegally. Above all, no one should live with harassment, and being contacted by ARS from any number can constitute harassment!
Collection Calls and Your Consumer Rights
Receiving collection calls from a debt collector can be overwhelming, especially if you’re facing debt collection harassment. It’s important to know that you have consumer rights protected by federal laws, including the Fair Debt Collection Practices Act (FDCPA), which sets strict guidelines for fair debt collection practices. Debt collectors and collection agencies are required to treat you with respect and fairness throughout the debt collection process.
When a debt collector contacts you, they must provide clear and accurate information about the debt, including the amount owed, the name of the creditor, and your rights regarding the debt. You have the right to dispute the debt if you believe it is inaccurate or if you do not recognize the collection account. Once you dispute the debt in writing, the debt collector must stop collection activities until they verify the debt and provide you with written notice.
Debt collection agencies are prohibited from using unfair practices, such as repeated phone calls, abusive language, or contacting you at inconvenient times—like before 8 a.m. or after 9 p.m.—unless you have agreed to it. They cannot threaten legal action they cannot take, misrepresent the amount you owe, or discuss your debts with others. If you prefer, you can request that all communications be made in writing or through email, and you can send a formal cease and desist letter to stop harassment.
If a debt collector violates your rights, you may be entitled to statutory damages and attorney fees. It’s essential to keep detailed records of all communications, including dates, times, and the content of phone calls or text messages. This documentation can be crucial if you need to file a complaint or take legal action.
Is ARS a scam? No, they have been in business for 27 years.
Can they garnish my wages? Yes, ARS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. In some cases, ARS may offer a deal or settlement to resolve the debt before pursuing garnishment.
Can ARS sue me? Yes, ARS can sue you for unpaid payments so long as the debt is within the statute of limitations.
Can ARS report my debt to the collection bureaus? Yes, debt collectors are allowed to place collection accounts on your credit report. These collection accounts can negatively impact your credit score and remain on your report for several years.
Can ARS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. Threats of arrest for unpaid debts are illegal under federal law. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Account Recovery Services in the past and can be found on Pacer.org.
3:15-cv-00351-NJR-SCW Johnson v. Account Recovery Services
2:15-cv-00334-SRB Sauceda v. Account Recovery Services
2:09-cv-00818-MHM Chavez v. Account Recovery Services
2:16-cv-00235-PP Thalman v. Account Recovery Services
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Our firm helps protect consumers from violations of their rights by debt collectors, including those that may breach the FDCPA. Rather than suffer alone, contact our office to begin the process to stop the Account Recovery Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Account Recovery Services. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
https://consumer.ftc.gov/articles/debt-collection-faqs
https://consumerlawfirmcenter.com/hsi-financial-services-phone-harassment/
https://consumerlawfirmcenter.com/account-recovery-specialists-phone-harassment/
https://consumerlawfirmcenter.com/accounts-receivable-solutions-phone-harassment/
https://consumerlawfirmcenter.com/account-adjustment-bureau-phone-harassment/
https://consumerlawfirmcenter.com/account-adjustment-bureau-phone-harassment/
https://consumerlawfirmcenter.com/complete-payment-recovery-services-phone-harassment/
https://consumerlawfirmcenter.com/advanced-recovery-systems-phone-harassment-3/
https://consumerlawfirmcenter.com/american-collections-credit-phone-harassment/
https://consumerlawfirmcenter.com/acctcorp-of-southern-nevada-phone-harassment/
https://consumerlawfirmcenter.com/accounts-management-service-phone-harassment/
