American Recovery Service Phone Harassment?

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. Read more here: 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:

• ▶️ Using profanity or abusive language
• ▶️ Calling you before 8:00 a.m. or after 9:00 p.m.
• ▶️ Calling you multiple times per week
• ▶️ Talking to others about your debt
• ▶️ Calling your workplace
• ▶️ Threatening to sue you, 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
• ▶️ Sending debt collection notices or correspondence via mail without proper validation

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 different phone numbers 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.

Complaints Against American Recovery Service

The following is a sample list of complaints filed against American Recovery Service in the past and can be found on Pacer.gov.

• 📝 1:11-cv-00536-JOF Loewy v.
• 📝 1:12-cv-22788-UU Quesada v.
• 📝 1:07-cv-00314-WCG Andersen v.
• 📝 1:06-cv-00148-WCG Biel v.
• 📝 3:17-cv-08173-DJH Driesen v.

If you are involved in a similar matter, it is important to seek legal advice to protect your rights.

Consumer Rights Law Firm PLLC

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. 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.

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