Associated Recovery Systems Phone Harassment?
Is Associated Recovery Systems (ARS) calling you? Stop Associated Recovery Systems phone harassment. Do they threaten to take legal action or garnish your wages? ARS may file a lawsuit against you, and it is important to respond to any legal claim promptly to avoid default judgments. 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. Failing to respond to a lawsuit or claim from ARS can result in liens on your property or wages. A common mistake is ignoring a lawsuit or not responding properly, which can lead to serious legal consequences. Consulting with attorneys can help you properly respond to any claims or lawsuits filed by ARS.
Is Associated Recovery Systems a Scam?
According to the Better Business Bureau website, they have been in business for 43 years.
ARS is a company that works with many reputable financial companies, including some of the most reputable financial companies in the country. The company provides debt collection services for a variety of companies, such as credit card companies and other financial institutions. While their headquarters are in Colorado, ARS National Services also has a significant presence in California and operates across the country.
Associated Recovery Systems Better Business Bureau
Who is Associated Recovery Systems?
They are a third party debt collector located in Littleton, Colorado. ARS is responsible for collecting on various types of accounts, including those from credit card companies and other creditors. ARS works on behalf of the original creditor to recover amounts owed by customers. They may contact customers to discuss the balance owed and offer options such as a payment plan or settlement. Customers can negotiate with ARS to resolve their accounts, though this process may require significant effort. ARS also provides an online payment portal to make payments and manage accounts more conveniently. ARS has been a party to a Federal Court case over 180 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: 609 W Littleton Blvd Ste 201
Littleton, CO 80120-2352
Phone: (303) 795-2433
Associated Recovery Systems Debt Collection Tactics
Engaging with ARS can be challenging for those dealing with debt collection, and many consumers report dealing with aggressive collection tactics from ARS.
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.
- 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
Associated Recovery Systems Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
303-795-2433, (303) 795-2433, 3037952433
If the answer is yes, then you are receiving calls from a known ARS number. If you receive calls from ARS National Services contacts, it is important to understand your rights and consider requesting debt validation. 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 Associated Recovery Systems 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 Associated Recovery Systems Collections
When Associated Recovery Systems (ARS) appears on your credit report, it can have a significant impact on your financial health. As a debt collection agency, ARS National Services works with credit reporting agencies like Equifax, Experian, and TransUnion to report consumer debts. If you have an account in collections with ARS, this information is likely to be included in your credit report, which can lower your credit score and affect your ability to secure loans, credit cards, or even housing.
Under the Fair Credit Reporting Act, debt collectors and debt collection agencies are required to provide accurate and complete information to credit reporting agencies. This means that ARS must report your account status truthfully—whether the debt is unpaid, paid, or settled. If you pay off or settle your debt with ARS, your credit report should reflect this change, often updating the account to show as “paid” or “settled.” While a collection account can remain on your credit report for up to seven years, resolving the debt can help improve your credit standing over time.
It’s important to remember that the Fair Debt Collection Practices Act also protects you from unfair or deceptive practices by debt collectors, including ARS National Services. They cannot make false statements about your debt or engage in harassing behavior. If you notice any inaccuracies or outdated information related to ARS on your credit report, you have the right to dispute these errors with the credit reporting agencies. Regularly monitoring your credit report is essential to ensure all information is correct and to catch any mistakes early.
Is ARS a scam? No, they have been in business for 43 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.
Can ARS sue me? Yes, ARS can sue you so long as the debt is within the statute of limitations. If you are served with a lawsuit, you must file an answer with the court and request proof of the debt. One possible defense is to argue that the statute of limitations has expired (limitations expired) on the debt. Before responding to any legal action, ensure you have full knowledge of the debt and the claims being made.
Can ARS report my debt to the collection bureaus?
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 Associated Recovery Systems in the past and can be found on Pacer.org.
2:11-cv-01249-PSG-AGR Campbell v. Associated Recovery Systems
1:01-cv-05250-AWI-SMS McCoon v. Assoc Recovery Systems
5:09-cv-04246-JW Jones v. Associated Recovery Systems
3:08-cv-00630-JAH-JMA Crooker v. Associated Recovery Systems
3:12-cv-02453-MMA-WVG Raymond v. Associated Recovery Systems
If you successfully defend against a lawsuit, you may be entitled to recover legal fees.
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 their 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 Associated Recovery Systems. 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”.
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