Account Recovery Services


Is Account Recovery Services hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Account Recovery Services?

Account Recovery Services, Inc. (ARS) is a debt collection agency based in Goodyear, Arizona. They handle and collect delinquent debts from individuals who have failed to make timely payments.

If ARS is listed on your credit report, it generally indicates that they have assumed responsibility for a debt you owe, typically due to non-payment.

Who does Account Recovery Services collect for?

Account Recovery Services primarily specializes in collecting debts within the medical and healthcare sectors. They work on behalf of healthcare providers to collect unpaid bills and other healthcare-related debts.

Is Account Recovery Services legit or a scam?

Account Recovery Services, Inc. is a legitimate debt collection company. They operate within the laws and regulations that govern the debt collection industry. However, their methods of debt collection may often be seen as aggressive. They might frequently reach out to you via phone calls, texts, or emails in an attempt to collect the owed debt.

How can I remove Account Recovery Services from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

Account Recovery Services, Inc. (ARS) Contact Information


Account Recovery Services, Inc.
17235 N 75th Ave # F115
Glendale, AZ 85308

Mailing address:

Account Recovery Services, Inc.
PO Box 7648
Goodyear, AZ 85338-0645

Phone number: (800) 958-2678

Should I contact or pay Account Recovery Services?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Account Recovery Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like Account Recovery Services on behalf of their clients.

Will Account Recovery Services sue me or garnish my wages?

Account Recovery Services (ARS) does have the legal authority to file a lawsuit against you if you fail to repay a debt. If they secure a judgment against you in court, they could potentially garnish your wages or levy your bank accounts, depending on the laws in your state. However, these actions are generally last-resort measures due to the time and cost involved in pursuing legal action.

Before resorting to litigation, ARS will likely try to collect the debt through conventional methods, such as phone calls, letters, or setting up a repayment plan. It’s often beneficial to engage with them to resolve the issue, whether that means setting up a payment plan, disputing the debt if it’s incorrect, or negotiating a settlement.

Account Recovery Services, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Account Recovery Services

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Account Recovery Services to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • Account Recovery Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Account Recovery Services must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Account Recovery Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Account Recovery Services From Your Credit Report Today!

Credit Saint can help you dispute Account Recovery Services accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.