American Recovery Service Phone Harassment?
*Is American Recovery Service (ARS) calling you? If you have been called repeatedly or received harassing messages,*Stop American Recovery Service 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, or have you been contacted through voicemails or other messages? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop ARS phone 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 American Recovery Service a Scam?
According to the Better Business Bureau website, American Recovery Service Inc is a legitimate debt collection agency and has been in business for 35 years. There have been 15 complaints filed against ARS with the BBB.
American Recovery Service Better Business Bureau
Who is American Recovery Service?
American Recovery Service is a third-party debt collector located in El Dorado Hills, California. American Recovery Service collect debts on behalf of various creditors, including banks, lenders, and medical providers. As a third-party agency, ARS is often hired by creditors to collect debts that are past due or have been charged off. When a debt is charged off by the original creditor, it may be sold or assigned to American Recovery Service Inc for collection, and interest may continue to accrue on the amount owed. ARS has been a party to a Federal Court case over 110 times. 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: 5118 Robert J Mathews Pkwy
El Dorado Hls, CA 95762-5703
Phone: (800) 398-6480
American Recovery Service Collection Tactics
If American Recovery Service engages in any of the following tactics, you may have a case:
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling your workplace
ARS may also offer to make a deal or negotiate a settlement to resolve the debt.
Our firm has extensive experience dealing with these types of collection tactics and can help you understand your options.
American Recovery Service Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-398-6480, 866-664-6361, 916-673-3613, (800) 398-6480, (866) 664-6361, (916) 673-3613, 8003986480, 8666646361, 9166733613
If the answer is yes, then you are receiving calls from a known ARS number. You may be a victim of ARS phone harassment. Be sure to document the date and time of each call you receive for your records. The list above is not all the numbers that ARS uses. The calls can be from a different number and it still be American Recovery Service 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!
Credit Report Implications of Debt Collection
When a debt collection agency like American Recovery Service becomes involved in collecting outstanding debts, the consequences can extend far beyond repeated phone calls or letters. One of the most significant impacts is on your credit report. Debt collection agencies routinely report collection accounts to credit reporting agencies, and this negative information can lower your credit score, making it harder to secure loans, rent an apartment, or even get certain jobs.
Federal laws such as the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are designed to protect consumers from unfair debt collection practices and ensure that credit reporting agencies handle your information accurately. Under these laws, debt collectors—including American Recovery Service—must follow strict guidelines when contacting you about debts. For example, they cannot use deceptive tactics, make threats they cannot legally carry out, or contact you at unreasonable hours. If you experience debt collection harassment, such as multiple calls per day or abusive messages, you have the right to take action.
A collection account reported by a collection agency can remain on your credit report for up to seven years, even if you eventually pay the debt. This is why it’s crucial to address collection calls promptly and to verify the validity of any debt before making payments. If you believe a debt collector is attempting to collect a debt you do not owe, or if you are unable to pay, you have the right to dispute the debt and request verification. If the debt collector cannot provide proper documentation, the collection account may be removed from your credit report.
To protect yourself, keep detailed records of all communication with debt collectors, including dates, times, and the content of phone calls, letters, and messages. You can also request that the debt collection agency contact you only in writing, which can help reduce the stress of repeated phone calls and provide a paper trail if you need to dispute any claims. If you feel overwhelmed or believe your rights have been violated, consider contacting a law firm experienced in fair debt collection practices. In some cases, if a debt collector is found to have broken federal laws, you may be entitled to statutory damages and attorney fees.
Additionally, the Telephone Consumer Protection Act (TCPA) restricts the use of automated calls and pre-recorded messages by debt collectors, offering further protection against unwanted and repeated phone calls. By understanding your rights under the FDCPA, FCRA, and TCPA, you can take steps to resolve your debts, protect your credit, and stop illegal harassment from debt collection agencies like American Recovery Service.
Remember, you are not alone in dealing with debt collection matters. By staying informed, keeping thorough records, and seeking professional help when needed, you can navigate the debt collection process, protect your credit report, and work toward resolving your outstanding debts in a fair and lawful manner.
Common Questions
Is ARS a scam? No, American Recovery Service has been in business for 35 years.
Can American Recovery Service garnish my wages? Yes, ARS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can ARS sue me? Yes, ARS can sue you so long as the debt is within the statute of limitations. If you believe ARS has violated your rights, you may have grounds to file a lawsuit against them for harassment or FDCPA violations.
Can ARS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can ARS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. 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.
If you want to stop communication from ARS, you can send a formal cease and desist letter requesting that they only contact you in writing or not at all. This letter can also be used to request debt verification or to dispute the debt under the FDCPA.
The following is a sample list of complaints filed against American Recovery Service in the past and can be found on Pacer.org.
1:11-cv-00536-JOF Loewy v. American Recovery Service
1:12-cv-22788-UU Quesada v. American Recovery Service
1:07-cv-00314-WCG Andersen v. American Recovery Service
1:06-cv-00148-WCG Biel v. American Recovery Association
3:17-cv-08173-DJH Driesen v. American Recovery Service
If you are involved in a similar matter, it is important to seek legal advice to protect your rights.
About Us
is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. We prioritize the security of your personal information and ensure all communications are handled with the utmost confidentiality. Rather than suffer alone, contact our office to begin the process to stop the American Recovery Service harassment. 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 American Recovery Service. call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
“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://consumerlawfirmcenter.com/allied-debt-recovery-services-phone-harassment/
https://consumerlawfirmcenter.com/allied-credit-consultants-phone-harassment/
https://consumerlawfirmcenter.com/american-collection-corporation-phone-harassment/
https://consumerlawfirmcenter.com/acs-recovery-services-phone-harassment/
https://consumerlawfirmcenter.com/advanced-recovery-systems-phone-harassment/
https://consumerlawfirmcenter.com/alternative-recovery-management-phone-harassment/
https://consumerlawfirmcenter.com/ace-recovery-phone-harassment/
https://consumerlawfirmcenter.com/american-adjustment-bureau-phone-harassment/
https://consumerlawfirmcenter.com/stevens-business-service-debt-collection-harassment/
