American Recovery Service Phone Harassment?

American Recovery Service Phone Harassment?

Is American Recovery Service (ARS) calling you? 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? 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 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 third party debt collector located in El Dorado Hills, California. 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

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.  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!

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

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.

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

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

 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. 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.

Consumer Rights Law Firm 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

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:

California Attorney General

Consumer Finance

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