American Recovery Service

Is American Recovery Service 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 American Recovery Service?

American Recovery Service (ARS) and Skipbusters are wholly owned subsidiaries of the Patrick K. Willis Company, Inc., functioning as a debt collection agency. They are based in El Dorado Hills, California.

If you have an unpaid bill, it’s possible that ARS could be enlisted to collect the debt, which may result in their name appearing on your credit report as a collections account.

Who does American Recovery Service collect for?

American Recovery Service primarily focuses on repossessions and vehicle recovery services. This means they are typically working on behalf of auto lenders or financial institutions to recover vehicles when the borrower has defaulted on their loan.

Is American Recovery Service legit or a scam?

American Recovery Service is a recognized and legitimate business. They might frequently get in touch with you through calls, text messages, or emails as part of their debt recovery process. While this might feel intrusive, it’s part of their role as a debt collector.

How can I remove American Recovery Service 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.

ARS Contact Information


American Recovery Service
5118 Robert J Mathews Pkwy
El Dorado Hills, CA 95762-5703

Mailing address:

American Recovery Service
P.O. Box 4917
El Dorado Hills, CA 95762

Phone number: (800) 398-6480

Should I contact or pay American Recovery Service?

It’s best to avoid speaking to a collection agency 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 American Recovery Service is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Recovery Service on behalf of their clients.

Will American Recovery Service sue me or garnish my wages?

American Recovery Service, like any other debt collection agency, has the legal right to sue you for the unpaid debt. If they win the lawsuit, they may be able to obtain a court judgment against you. This judgment could potentially allow them to garnish your wages or levy your bank account, depending on the laws of your state.

However, remember that legal action is typically the last resort for most creditors. They generally prefer to work out a payment plan or settlement agreement, as this is often more cost-effective and efficient than going through the court system.

American Recovery Service 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 you find yourself facing any of these situations with American Recovery Service, you should also 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 American Recovery Service

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 American Recovery Service 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.
  • American Recovery Service may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • American Recovery Service 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.
  • American Recovery Service cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove American Recovery Service From Your Credit Report Today!

Lexington Law can assist you in disputing American Recovery Service 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.