ARS Collections on Your Credit Report? Fight Back and Win

Are you fed up with the frequent phone calls and letters from Advanced Recovery System, Inc. (ARS)? If you're wondering who they are and why they’re contacting you, you’re not alone.

This article explores everything you need to know about ARS and how to stop the calls, including:

• Who is Advanced Recovery System (ARS)?
• Is ARS a Legitimate Collection Agency Or a Scam?
• What Companies Use ARS Collections? 
• Why is ARS Collections Calling Me?
• What Should I Do If I Don’t Think I Owe ARS? 

Additionally, if you think ARS has mistreated you or they’re attempting to collect a debt you don’t owe, we can help. Further, if you believe that you owe ARS but aren’t sure how or if you should pay them, we can help with that as well. Contact us today for your free case review.

Continue reading to learn how to get ARS off your credit report.

Who is Advanced Recovery System (ARS)?

Headquartered in Flowood, MS, ARS is a debt collection agency that purchases debt from original creditors or third-party debt buyers. They then use a combination of phone calls and mail to collect the debt from alleged debtors.

ARS has been in business for more than 25 years. In that time, this debt collection agency has developed a reputation as a business that aggressively pursues debtors. For example, their Google Rating is 2.7 out of 5 stars. Additionally, the Better Business Bureau references several complaints and negative reviews about this company.

If ARS has contacted you or they’ve appeared on your credit report, it’s essential to know that you have rights. That means they can’t engage in debt harassment or ignore legitimate disputes. Otherwise, they can be held accountable. Contact us today to discuss the details of your case.

Is ARS a Legitimate Collection Agency Or a Scam?

ARS is a legitimate company authorized to collect debt on behalf of its clients. However, they have received their fair share of complaints from consumers.

Suppose a credit card account was opened in your name without your knowledge, and you notice that ARS has listed it as delinquent on your credit report. In that case, it makes sense to want to get in contact with them as soon as possible. 

Here are their contact details:

• Phone Number: 1-601-355-5211 OR 1-800-254-5211
• Website: www.ARScollections.com
• Email: arsadmin@arscollections.com
• Address: 219 Katherine Drive, P.O. Box 321472, Flowood, MS 39232

If you’re tired of dealing with ARS Collections, you don’t have to. Our FCRA attorneys can handle credit reporting error disputes and debt settlement negotiations for you.

What Companies Use ARS Collections?

ARS serves multiple companies from diverse industries, like healthcare providers, banks and credit card companies, and telecommunications firms. It's noteworthy that ARS does not make their clients list available to the public.

Thus, if you receive communication from ARS regarding a debt that is unfamiliar to you, it is in your best interest to investigate the validity of the debt promptly. Otherwise, you will continue to receive calls and risk a lower credit score.

Why is ARS Collections Calling Me?

If you're receiving calls from ARS, it's likely because you have a debt they are attempting to collect. They may have purchased the debt from the original creditor, or they may be collecting the debt on behalf of a third-party debt buyer.

That said, ARS Collections may be calling you for several reasons, including but not limited to the following:

• Unpaid medical bills or health insurance premiums
• Overdue credit card or loan payments
• Unpaid utility bills, such as water or electricity
• Unpaid rent or lease payments
• Outstanding phone, internet, or cable bills

Regardless of why ARS Collections is contacting you, handling the situation proactively and protecting your rights as a consumer is important.

Ignoring negative items on your credit report can result in greater damage (i.e., lower credit score, higher interest rates, and/or legal action). Continue reading to learn more.

What Should I Do If I Don’t Think I Owe ARS?

If you're uncertain of your debt with ARS or why they are contacting you, it's essential to take appropriate steps in order to protect your credit score and consumer rights. Further, if you don’t believe the debt is valid, there are steps you can take to dispute it and have it removed from your credit reports.

In case you’re dealing with inaccurate credit reporting, here are some methods that could help you to end the calls and have ARS removed from your credit report:

• Request verification of the debt within 30 days of receiving notice from ARS under the FDCPA. 

This can guarantee that the debt is valid and correct.

• Dispute any inaccuracies in the debt verification appearing in your credit report under the FCRA.

ARS will be obligated to investigate and correct any errors found.

• Seek legal aid if you believe that ARS is harassing you or violating your rights

A specialized attorney can advise you on what actions to take against them for any FCRA or FDCPA violations.

It's critical to act quickly when dealing with ARS or any other debt collector to secure your financial well-being and prevent possible legal issues.

Conversely, if you are liable for the debt that ARS is collecting, there are multiple alternatives available. You could opt to pay off the entire debt amount, negotiate a payment plan or reach an agreement to settle the debt for less than the total amount owing.

It's essential to remember, however, that settling a debt for less than the total balance due may adversely affect your credit score.

Call Us Today - Get ARS Collections Off Your Credit Report 

Do you believe that Advanced Recovery Systems has treated you unfairly or violated your consumer rights? If so, we’re here to help you dispute inaccuracies, negotiate fair debt settlement agreements (when necessary), and advocate for your rights.

Reach out to us today for a free consultation with one of our attorneys to discuss your options and create a plan to remove ARS from your credit report once and for all.