Who are Account Recovery Specialists (ARS)?

Account Recovery Specialists (ARS) is a debt collection agency based in Kansas, primarily serving the medical, government, utilities, and commercial sectors. Founded in 1974, ARS has faced multiple consumer complaints and lawsuits alleging violations of the Fair Debt Collection Practices Act (FDCPA).

Is ARS allowed to call me multiple times a day?

No, under the FDCPA, debt collectors like ARS cannot call you repeatedly with the intent to annoy, abuse, or harass you. If you're receiving excessive calls, it may constitute harassment.

Can ARS contact my employer about my debt?

ARS is prohibited from disclosing your debt to your employer or co-workers. They may only contact your employer to verify employment, and only after you've provided written consent.

What should I do if ARS is harassing me?

Document every call, save voicemails, and send a written cease-and-desist letter requesting that they stop contacting you. If harassment continues, consider filing a complaint with the (CFPB) or consult a consumer rights attorney.

Can I dispute a debt with ARS?

Yes, you have the right to dispute any debt you believe is inaccurate or not yours. Upon receiving a validation notice, you have 30 days to request verification of the debt.

What are my rights under the FDCPA?

The FDCPA protects you from abusive, unfair, or deceptive practices by debt collectors. This includes prohibiting calls at inconvenient times, false representations, and harassment.

Can I sue ARS for harassment?

Yes, if ARS violates the FDCPA, you may be entitled to damages up to $1,000, plus attorney's fees and costs. Many law firms handle such cases on a contingency basis, meaning you don't pay unless you win.

How can I stop ARS from contacting me?

You can send a written request for them to cease communication. If they continue to contact you after receiving your request, it may constitute a violation of the FDCPA.

Does ARS report debts to credit bureaus?

Yes, ARS may report delinquent debts to credit bureaus, which can negatively impact your credit score. You have the right to dispute any inaccuracies on your credit report.

What should I do if ARS threatens legal action?

If ARS threatens legal action, request written verification of the debt. They cannot threaten to sue you unless they actually intend to take such action.

Account Recovery Specialists Phone Harassment?

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Account Recovery Specialists Phone Harassment?

Is Account Recovery Specialists (ARS) calling you? Stop Account Recovery Specialists phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop.

Phone harassment affects many people, and raising community awareness is essential to help stop these practices and protect others from similar experiences.

You have the legal right to stop ARS phone harassment. Victims are often treated unfairly, and it can be hard to recover from the effects of harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

Is Account Recovery Specialists a Scam?

According to the Better Business Bureau website, Account Recovery Specialists has been in business for 27 years. There have been 8 complaints filed against ARS with the BBB.

When dealing with account recovery companies, trust is essential, as customer experiences and complaints can significantly impact the trust customers place in these organizations. Account Recovery Specialists interacts with their customers throughout the debt recovery process, and the nature of these interactions is often reflected in the complaints reported to the BBB.

Account Recovery Specialists Better Business Bureau

Who is Account Recovery Specialists LLC?

Account Recovery Specialists is a third party debt collector located in the Wichita, Kansas area. ARS has been a party to Federal Court cases several times, with specific persons or entities subject to legal action. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

Address: 3505 N Topeka St

Wichita, KS 67219-3641

Phone: (316) 267-5400

Account Recovery Specialists Debt Collection Tactics

If Account Recovery Specialists engages in any of the following tactics, you may have a case. Their collection service should always be conducted in a kind and respectful manner, ensuring clients and consumers are treated with care and professionalism:

Account Recovery Specialists Phone Numbers

316-267-5400, 620-227-8510, 800-688-3857, 866-517-5400, 866-880-8200, 620-275-8088, (316) 267-5400, (620) 227-8510, (800) 688-3857, (866) 517-5400, (866) 880-8200, (620) 275-8088, 3162675400, 6202278510, 8006883857, 8665175400, 8668808200, 6202758088

If the answer is yes, then you are 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 calls can be from a different number and it still be Account Recovery Specialists calling 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!

To learn more about legal cases or court orders related to ARS, click here to view detailed information.

Your Rights: Consumer Protections Against Harassment

When dealing with debt collection companies like Account Recovery Specialists, Inc. (ARS) or Portfolio Recovery Associates, LLC, it’s crucial to know your rights as a consumer. The Fair Debt Collection Practices Act (FDCPA) is a key law that protects you from harassment and ensures that any communication about delinquent accounts is handled with respect and understanding. Debt collectors are required to provide you with clear information about your account, including the current balance, the company’s name, and your payment options. If you receive a request for payment, you have the right to ask for verification of the debt before taking any further steps.

Communication from debt collection companies is limited by law. If you feel overwhelmed or harassed by repeated calls or letters, you can request in writing that the company stop contacting you. Once your request is received, the debt collector is required to comply, except to notify you of specific actions being taken on your account. This is an important way to regain control and ensure that your ability to resolve the matter is respected.

You also have the right to dispute any debt you believe is incorrect. If you notify the company in writing, they must provide you with supporting information and documentation before continuing their collection efforts. This process helps you make informed choices about how to handle your delinquent accounts and ensures that all claims are accurate and fair.

In addition to the FDCPA, the Telephone Consumer Protection Act (TCPA) applies to debt collection calls, placing further limits on how and when a company can contact you. These laws are designed to protect your privacy and prevent abusive practices, giving you the power to set boundaries and focus on resolving your debt in a way that works for you.

To protect yourself, keep detailed records of all communication with recovery specialists, including letters, emails, and phone calls. This documentation can be vital if you need to file a complaint or take further action. If you believe your rights have been violated, you can contact your state’s Attorney General or the Federal Trade Commission (FTC) for guidance and support. Filing a complaint can help resolve the issue and prevent further harassment from the company or its representatives.

Remember, you are not alone in this process. By understanding your rights and the laws that apply to debt collection, you can work toward resolving your account with confidence and respect. Don’t hesitate to seek help or ask questions—your well-being and financial future are important, and you deserve to be treated fairly every step of the way.

Is ARS a scam? No, Account Recovery Specialists has been in business for 27 years and offers comprehensive receivables management services, including billing and collection solutions.

Can Account Recovery Specialists garnish my wages? Yes, ARS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. You may also have the option to set up a payment plan to pay off your debt and potentially avoid wage garnishment.

Can ARS sue me? Yes, ARS can sue you so long as the debt is within the statute of limitations, which can vary depending on your state laws.

Can ARS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. Once your debt is paid or marked as paid-in-full, your credit report will be updated to reflect this status, which can impact how long the delinquency remains on your report.

Can ARS arrest me?

The following is a sample list of complaints filed against Account Recovery Specialists in the past and can be found on Pacer.org.

2:07-cv-02335-CM-JPO McCoy v. Account Recovery Specialists

1:91-cv-00454-MMS Ingle v. Account Recovery

1:95-cv-00488-LON Mayfield v. Acct Recovery Spec

2:15-cv-09077-JWL-TJJ Perryman v. Account Recovery Specialists

2:18-cv-02419-JAR-KGG Young v. Account Recovery Specialists

is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. As an employer, our firm is known for its high standards and commitment to both clients and staff. Rather than suffer alone, contact our office to begin the process to stop the Account Recovery Specialists harassment—it’s easy to get started with a free consultation. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.

If you are interested in learning more about how to safeguard yourself and prevent harassment from Account Recovery Specialists, call us at for immediate assistance or visit our website at www.consumerlawfirmcenter.com

Success Stories

Kansas Attorney General

https://consumerlawfirmcenter.com/thunderbird-collection-specialists-debt-collection-harassment/

https://consumerlawfirmcenter.com/account-resolution-team-phone-harassment/

https://consumerlawfirmcenter.com/allied-account-services-phone-harassment/

https://consumerlawfirmcenter.com/absolute-financial-services-phone-harassment/

https://consumerlawfirmcenter.com/ability-recovery-services-debt-collection-harassment/

https://consumerlawfirmcenter.com/7account-resolution-corp-phone-harassment/

https://consumerlawfirmcenter.com/forest-recovery-services-debt-collection-harassment-stop-the-calls/

https://consumerlawfirmcenter.com/absolute-resolutions-corp-phone-harassment/

https://consumerlawfirmcenter.com/north-american-recovery-phone-harassment/

https://consumerlawfirmcenter.com/absolute-collections-corporation-phone-harassment/

https://consumerlawfirmcenter.com/ais-recovery-solutions-phone-harassment/

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.

Account Recovery Specialists Phone Harassment?

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

Account Recovery Specialists Phone Harassment?

Is Account Recovery Specialists a Scam?

Who is Account Recovery Specialists LLC?

Account Recovery Specialists Debt Collection Tactics

Account Recovery Specialists Phone Numbers

Your Rights: Consumer Protections Against Harassment

Success Stories

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