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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By ARS Recovery Services?*

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An alarming number of debt collectors refuse to acknowledge boundaries when it comes to settling a debt. They will call you late at night, discuss your debt with your coworkers, and threaten to seize garnish your wages.

What they’re doing is illegal, but they hope that you will be too unfamiliar with your rights to act on them.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) was passed in 1977 to prevent third-party collection agencies from harassing consumers. Since then, collection methods like those listed below have been illegal and any debt collector that applies them can be barred from the profession.

  • Using profane or obscene language
  • Calling you at work after you’ve told them that your employer doesn’t allow such calls
  • Threatening you with consequences or actions they can’t legally take or have no intention of taking
  • Contacting you even after you send a cease communications request
  • Threatening to ruin your credit if you don’t pay
  • Discussing your debt with anyone except you, your spouse, or your attorney

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Company Profile: ARS Recovery Services

If you are being called by ARS Recovery Services, here are some additional details about the company.

ARS Recovery Services, which also does business as Stellar Recovery, Inc., is a collection agency in Kalispell, Montana. It opened for business in 2005, has five employees, and is managed by Joseph Reiner.

Records archived at the PACER website suggest that consumers who believed that they were being harassed by ARS Recovery Services were not afraid to stand up for themselves.

Are You Being Called By ARS Recovery Services?*

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Alleged Violations against ARS Recovery Services

According to PACER, in or around mid-2008, ARS Recovery Services began calling an Illinois consumer to collect a debt. She complained that the agency constantly discussed the debt with third parties and failed to identify itself in each communication.

On at least one occasion, a collector allegedly threatened to report her to the Real Estate Commission for not paying her debts.

Feeling harassed by ARS Recovery Services, the consumer filed an FDCPA lawsuit against the company for allegedly:

  • Failing to identify itself as a debt collector in all communications
  • Using harassing and abusive means to collect a debt
  • Discussing the debt with third parties
  • The matter was later settled.

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Hire a Consumer Lawyer

The phone numbers for this debt collection agency are:

If you see it on your caller ID, it means that you are being called by ARS Recovery Services. If they discuss your debt with third parties and use abusive language to scare you into paying, hire a consumer lawyer and file a claim against ARS Recovery Services.

You could receive $1,000 per violation as well as attorney’s fees. As a consumer, you have rights that you should never hesitate to act on.

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Additional Resources

Case taken from PACER ( File number is Case: 1:08-cv-06065 from the United States District Court for the Northern District of Illinois, Eastern Division.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against ARS Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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