Account Recovery Services

Is Account Recovery Services hurting your credit score?

Schedule a complimentary credit consultation to find out how you can 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 remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

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

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

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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?

It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Account Recovery Services

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • Account Recovery Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Account Recovery Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • Account Recovery Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Account Recovery Services From Your Credit Report Today!

Lexington Law can assist you in disputing Account Recovery Services accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

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 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.