ARS National Services


Is ARS National Services hurting your credit score?

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Who is ARS National Services?

ARS National Services, Inc., also known as Associated Recovery Systems National, is a debt collection agency based in Escondido, California. They act as a third-party collection agency, taking over the collection process on behalf of creditors who are unable to recover debts owed by consumers.

If you see ARS National Services listed on your credit report as a collections account, this signifies that they are attempting to collect a debt you have not paid.

Who does ARS National Services collect for?

ARS National Services specializes in collecting consumer debts on behalf of a number of large financial institutions. They work for top banks and credit card companies such as Capital One, Chase, and Citibank, among others. These institutions contract ARS National Services when they find it difficult to collect outstanding debts from their customers.

Is ARS National Services legit or a scam?

Despite their sometimes aggressive collection methods, ARS National Services is a legitimate debt collection agency. They are a well-established company in the debt collection industry. However, as with most collection agencies, their practices may involve frequent and persistent contact, which can include spam calls, texts, or emails, as they attempt to recover the owed debt.

How can I remove ARS National Services from my credit report?

ARS National Services 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.

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

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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.

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ARS National Services, Inc. Contact Information


ARS National Services, Inc.
201 W Grand Ave
Escondido, CA 92025-2603

Mailing address:

ARS National Services, Inc.
PO Box 469046
Escondido, CA 92046

Phone number: (800) 665-3140

Should I contact or pay ARS National 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 ARS National Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like ARS National Services on behalf of their clients.

Will ARS National Services sue me or garnish my wages?

ARS National Services does have the legal right to sue you for an unpaid debt. If they win the lawsuit, they might be granted a court judgment that could potentially allow them to garnish your wages or levy your bank account, depending on your state’s laws.

However, it’s important to note that wage garnishment is usually considered a last resort after all other attempts to collect the debt have failed. The process requires court approval and varies from state to state, with some states offering more protections for consumers than others.

ARS National Services, Inc. Complaints

Many collection agencies have numerous complaints filed 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 ARS National Services, you should also consider filing a complaint.

ARS National Services currently has an A+ rating with the Better Business Bureau.

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 a debt collector.

Your Rights When Dealing with ARS National 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 ARS National 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.
  • ARS National Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • ARS National 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.
  • ARS National Services cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove ARS National Services From Your Credit Report Today!

Credit Saint can help you dispute ARS National 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.