ARS National Services

Is ARS National 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 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.

(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 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?

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 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.

Is ARS National Services hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

To get an account removed, you must file a separate dispute with each of the credit reporting agencies; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.

ARS National 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 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 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • ARS National Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • ARS National 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.
  • ARS National Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove ARS National Services From Your Credit Report Today!

Lexington Law can assist you in disputing ARS National 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.