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
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.
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.
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.
Case taken from PACER (pacer.gov). 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.