How to Settle Debt With ARS National Services: A Complete Guide

ARS National Services is contacting you about a debt. You need to take action now.

Ignoring debt collectors makes your situation worse. You have rights and options to resolve this matter.

You can validate the debt, negotiate a settlement, or defend yourself in court. Our partner Solo helps you respond to debt collectors and protect your rights.

What Is ARS National Services?

ARS National Services is a legitimate debt collection agency. The company operates from California with five regional offices nationwide.

Do not throw away letters from ARS National Services. The company uses robocalls, letters, and skip tracing to contact consumers.

You need to communicate with them to resolve your debt. Use these contact details:

• Phone: 800-665-3140
• Address: 80 Garden Center, Broomfield, CO 80020
• Website: https://www.arsnational.com/

Who Does ARS National Services Collect For?

ARS National Services pursues charged-off accounts from multiple industries. The agency collects for financial institutions, credit card companies, and auto lenders.

Bank of America is one major creditor that uses ARS National Services.

ARS National Services Reviews and Reputation

Consumer experiences with ARS National Services vary widely. Check these review platforms before engaging:

• Google Reviews for ARS National Services
• Better Business Bureau profile

Reviews show mixed results. Your experience will depend on your specific circumstances.

Don’t let negative reviews stop you from taking action. Debt collectors often work with consumers to resolve accounts.

How to Negotiate a Debt Settlement With ARS National Services

You owe the debt and want to avoid litigation. Debt settlement could save you money and stress.

ARS National Services may accept less than the full amount. Debt collectors often buy accounts for pennies on the dollar.

Follow these steps to negotiate your settlement:

1. Respond to any pending lawsuit from ARS National Services immediately
2. Calculate what you can afford to pay based on your budget
3. Send your settlement offer to ARS National Services in writing
4. Get the final agreement in writing before making any payment

Request that ARS National Services not report the account to credit bureaus. Include this term in your settlement agreement.

Many debt collectors settle for 40-60% of the original balance. Our partner Solo helps you negotiate settlements without stressful phone calls.

Your Rights Under the Fair Debt Collection Practices Act

The FDCPA protects you from abusive debt collection practices. Know your rights before dealing with ARS National Services.

Debt collectors cannot:

• Contact you at work after you tell them to stop
• Call before 8 a.m. or after 9 p.m. in your time zone
• Use threatening, crude, or vulgar language
• Make false threats about lawsuits or arrest
• Harass you through excessive phone calls

ARS National Services must maintain professional communication at all times. Document every interaction with the agency.

You can sue debt collectors who violate the FDCPA. Courts may award you damages up to $1,000 plus attorney fees.

How to Defend Yourself Against an ARS National Services Lawsuit

ARS National Services filed a lawsuit against you. You must respond within 14-35 days depending on your state.

Ignoring the lawsuit guarantees you lose. The court will issue a default judgment against you.

Default judgments allow wage garnishment and bank account levies. Respond to the lawsuit even if you owe the debt.

Step 1: Respond to Each Claim in the Complaint

The Complaint lists specific claims against you. You must respond to each one in your Answer.

Choose one of these responses for each claim:

• Admit: You agree the claim is true
• Deny: You force the collector to prove it
• Deny due to lack of knowledge: You genuinely don’t know if it’s true

Deny as many claims as possible. ARS National Services must prove every claim you deny.

Some debt collectors dismiss cases rather than gather proof. Unanswered claims become automatic admissions.

Step 2: Assert Your Affirmative Defenses

Affirmative defenses weaken the case against you. Include these in your Answer document.

ARS National Services must prove three things:

• They have legal standing to sue you
• You are the person who owes this debt
• The amount claimed is accurate

The statute of limitations is a powerful defense. Each state sets time limits for debt collection lawsuits.

ARS National Services cannot sue you after the statute of limitations expires. Check your state’s deadline for your debt type.

You can also countersue for FDCPA violations. Prove ARS National Services violated your rights during collection.

Step 3: File Your Answer and Serve ARS National Services

File your completed Answer with the court immediately. Submit before your state’s deadline to avoid default judgment.

You must also send a copy to ARS National Services. Use certified mail with return receipt requested.

Send to the attorney address listed on your Summons. Keep proof of mailing for your records.

Our partner Solo helps you draft and file your Answer in all 50 states.

Should You Validate the Debt First?

You have 30 days to request debt validation after first contact. Send a debt validation letter to ARS National Services.

Debt validation forces the collector to prove:

• You owe the debt
• The amount is correct
• They have the right to collect it

ARS National Services must stop collection until they provide validation. Request validation before negotiating or paying anything.

Many debt collectors cannot validate debts they purchased. Invalid debts must be removed from your credit report.

What Happens If You Ignore ARS National Services?

Ignoring debt collectors never works. ARS National Services will escalate collection efforts.

You face these consequences:

• Repeated phone calls and letters
• Negative marks on your credit report
• Debt collection lawsuit
• Wage garnishment after judgment
• Bank account levy

Default judgments stay on your credit report for seven years. Your credit score will drop significantly.

Take action now to protect your finances and rights.