ARS National Services
Collection AgenciesARS National Services

Who is ARS National Services?

Have you received a letter or phone call from ARS? Have they threatened you with a lawsuit? If so, you are not alone.

ARS National Services is a debt collection agency for some of the top banks in the world like Capital One, Chase, and Citibank. They have been known to get really nasty on the phone with alleged debtors.

Do you have ARS collections or other negative items on your credit report?

Get them removed!

Call (800)220-0084 for a Free Credit Consultation!

woman stressed out

How Should You Deal With ARS National Services?

Debt collection agencies have different names, but for the most part, use the same methods to collect debts.

Here are a few things you should know about debt collectors.

First of all, their information is not always correct or accurate. Second, they will go to great lengths to find who they are looking for. Finally, there are rules that they have to follow, but they can be flexible and may be willing to work with you to settle your debt or work out a payment plan.

Don’t Trust – Verify!

When you are dealing with a debt collection agency, it is always wise to make them verify the debt actually does belong to you before you pay them. You can do this by asking for a debt validation letter. Also, try to get them to compromise before you pay them. Remember, they want your money.

You can ask them if you can pay a lower amount or start a payment plan. You can even ask them to remove any negative marks that they have reported to the credit reporting agencies before you agree to pay them. It is important to always get any agreements you make with them in writing.

Complaints made against ARS National Services

ARS attempts to collect on debts that are not owed to them. Many people have complained about being called when they owed no money. Even after individuals say they do not owe the debt, they continue to call them.

They will call third parties trying to find alleged debtors. They will call neighbors, ex-spouses, family members, co-workers, or anyone else they can find to track them down. They should already have the contact details of the person they are looking for, so there should be no need to call others.

This can be a source of unnecessary embarrassment for the people they are trying to collect from. Their representatives have refused to pass on their contact information to consumers who want to send them a cease and desist letter.

Sometimes a cease and desist letter is the only way to get debt collectors to stop calling, so they try to prevent consumers from using this valuable tool.

ARS National also can not charge your credit card without your consent or charge an amount to your credit card other than the amount you’ve submitted.

How To Contact ARS National Services


PO Box 469046
Escondido, CA 92046

Phone number: 1-800-707-1927


How To Get Collection Accounts Removed from Your Credit Report

After I had lost my job of 12 years, I was hit pretty hard. My bills began to pile up and before long I couldn’t pay my minimum monthly payments. I had maxed out my credit cards and the accounts were sent to a debt collector and were being reported to the credit bureaus.

The debt collector made my life very difficult. I consistently received harassing phone calls asking me for payments and threatening to damage my credit.

I couldn’t pay all of the bills I had, so I finally decided to go bankrupt. The bankruptcy helped with the debt collectors, but it did lasting damage to my credit.

How I Solved My Problems

Due to my poor credit, it was impossible for me to get a loan. I couldn’t buy a house or a new car. I couldn’t even go on family vacations.

Finally a friend noticed my struggles and told me to try Lexington Law Firm. He said they had helped him and he thought they could help me too.

It sounded too good to be true at first, but I finally decided to call them at 1 (800) 220-0084. When I called, I was greeted by the nicest lady who really knew what she was talking about. She gave me some helpful advice and I decided to sign up with them.

After I had signed up, within a month, I could see the difference, as negative accounts were starting to be taken off of my credit report.

Lexington Law worked tirelessly to get the negative accounts removed so that I could go back to having a normal life and get funding for the things I needed.

It has been a few years, but if I had it to do over again, I would do the same thing. They really helped me out and I’m grateful for the work they did on my behalf. (See below.)

Collections Removed from My Credit Report:

collections removed

My credit scores have increased dramatically since there are no longer any negative accounts on my credit reports. Here is a snap shot of my new credit scores:

my credit scores

What Others Are Saying

“Your company is AWESOME! Because of the hard work you did on my behalf, my credit is now much better.

So much better, in fact, that I just purchased a home on 2/3 acre with waterfront on a year ’round creek that has trout and salmon in it! Thank you again for the fantastic job you did. I’ve recommended you many times to my friends.”

— Phillip, Lexington client

“I went through a bankruptcy and my score went way down into the 500’s. My wife and I planned to buy a house, so with the help of Lexington Law, my score went up in just 8 months to 688! I got an excellent rate, new home, and praise big time for your services. Thanks a ton!”

— David & Dana, Lexington clients

We know how difficult life can be with poor credit. We’re here to let people know that there is an alternative. If you’re sick of having bad credit, let the professionals take care of it for you.

They can delete all kinds of negative items including bankruptcies, foreclosures, repossessions, charge-offs, judgments, tax liens, collections, and more.

Want to Remove ARS National Services from Your Credit Report?

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Call for a Free Consultation:
1 (800) 220-0084

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List of Debt Collection Agencies

Here’s a list of some of the nation’s most popular debt collectors that cause damage to your credit.