Seeing Account Recovery Specialists, Inc. (ARSI) on your credit report likely means a debt has been sent to collections—and it could be lowering your credit score. Here’s what to know and how to handle it.
Who Is Account Recovery Specialists, Inc.?
Account Recovery Specialists, Inc., known as ARSI, is a debt collection agency based in Wichita, Kansas, with additional locations in Dodge City and Garden City. They work with businesses to recover unpaid debts from consumers.
If you owe money and the original creditor couldn’t collect, ARSI may have been hired to handle the account. Once that happens, they can report it to the credit bureaus as a collection account.
Who Does Account Recovery Specialists, Inc. Collect For?
ARSI works with companies across several industries, including:
- Banks and credit card companies
- Hospitals and medical providers
- Utility companies
- Retailers and service businesses
- Government agencies
If you’ve missed payments with one of these types of businesses, ARSI might be the company pursuing the debt.
Is Account Recovery Specialists, Inc. Legitimate?
Yes, ARSI is a legitimate debt collector with legal authority to collect on behalf of their clients. That said, you should always request written proof to confirm the debt is valid before making a payment.
How to Remove Account Recovery Specialists From Your Credit Report
A collection account can hurt your credit for up to seven years. If you want to remove ARSI from your report sooner, here are your options:
- Dispute incorrect information: Review your credit report for errors. If details like the amount or account status are wrong, file a dispute with the credit bureaus.
- Try for a pay-for-delete agreement: You can offer to settle the debt with an agreement that ARSI removes the account from your credit report. Always get this in writing.
- Work with a credit repair service: Experts can help you challenge collections and clean up your credit history.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Pay Account Recovery Specialists, Inc.?
Before sending money, confirm the debt belongs to you, the balance is accurate, and it’s still within the legal collection timeframe. Paying certain old debts can restart the clock, giving the collector more time to pursue you.
If you’re unsure, working with credit repair professionals can help you handle the situation without making costly missteps.
Can Account Recovery Specialists, Inc. Sue You or Garnish Wages?
Yes, ARSI has the legal right to sue for unpaid debts. If they take you to court and win, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
State laws vary, and not all debts lead to lawsuits, but ignoring collections can increase the risk of legal action.
Account Recovery Specialists, Inc. Complaints
ARSI, like many collection agencies, has been the subject of consumer complaints with the Better Business Bureau (BBB) and Consumer Financial Protection Bureau (CFPB). Common issues include:
- Incorrect information reported to the credit bureaus
- Harassment or aggressive collection tactics
- Failure to properly validate debts
If you believe your rights have been violated, you can report the agency to the CFPB or BBB.
Your Rights When Dealing With Account Recovery Specialists, Inc.
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws give you important protections, including:
- They cannot report false or incomplete information.
- You can request debt validation in writing, and they must respond within 30 days.
- Harassment, excessive calls, or threats are illegal.
- They must clearly state they are a debt collector in all communications.
- They cannot threaten arrest or jail over unpaid debts.
Account Recovery Specialists, Inc. Contact Information
Wichita Office:
Account Recovery Specialists, Inc.
3505 N Topeka St.
Wichita, KS 67219-3641
Dodge City Office:
Account Recovery Specialists, Inc.
200 West Wyatt Earp
Dodge City, KS 67801
Phone: (855) 267-1827 or (316) 267-5400
How to Remove Account Recovery Specialists From Your Credit for Good
Collections from ARSI can hold back your credit score, but there are steps you can take to clean up your report. Credit Saint has helped thousands of people dispute negative accounts, including collections from Account Recovery Specialists, Inc.
They even offer a 90-day money-back guarantee for added peace of mind.
Call (855) 281-1510 or visit their website to get started today.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
