ARS National Services is a one of the largest collection agencies in the US, and operates in all 50 states.
If you’ve been receiving letters or calls from ARS National and you want to get this collection agency to not only stop harassing you, but also negative entries off of your credit report, you’ve come to the right place.
How to Get Started
Get the ball rolling by letting this determined and persistent company know that you want written communication in the future. When there is a paper trail, you will be safer. Phone calls aren’t the smartest way to deal with a collection agency. During phone calls, collection agents may make promises that they don’t keep. When everything is written down, you’ll have backup which protects you from problems.
If they call you, let the representative from ARS National know that you understand your rights as laid out in the Fair Debt Collections Practices Act (FDCPA) and then communicate only in writing from that point on.
The next step is demanding proof that the debt in question is rightfully yours!
Put Together A Debt Validation Letter
During Step Two, it will be time to craft a letter which is a written demand that the company validate your debt. It’s known as a debt validation letter. It’s a straightforward request that the company provide you with proof that you owe the money.
Sometimes, collection agencies can’t prove this and this may be true in your case. Companies like this make money by purchasing consumer debt for rock-bottom rates and then collecting more money than they paid for those debts. Quite often, when collection agencies purchase debt, they don’t get all of the paperwork. This means that ARS National Services may not have enough information to prove that a debt belongs to you, even if it really does!
After the company receives your debt validation letter, it will have thirty days to validate your debt. If it can’t, its collection activities with regard to you will need to cease! As well, the company will be legally required to wipe the credit entry off of your credit report.
So, mail out the letter (registered mail is recommended, but not mandatory) and then see what the company sends back. Go over the information which is provided carefully, Look for omissions and inaccuracies.
Write an Advanced Dispute Letter
If the company does prove the debt, you should write an Advanced Dispute Letter. This is a letter which is sent to the credit bureaus. Your letter should dispute inaccurate data from ARS National.
This letter is different from the debt validation letter. To write the Advanced Dispute Letter, you’ll need to access an up-to-date copy of your credit report and then check out the entry from ARS. Look for problems. Examples include mistakes with dates, the amount owed, your name, the address, the balance, etc.
Next, list the mistakes on the entry in your letter, which will be sent to the big three credit bureaus. Explain in the letter why the ARS National collections entry is incorrect. Demand that the entry be deleted or fixed so that it’s correct. The credit bureaus have thirty days to perform investigations. The three credit bureaus that you will need to write to are TransUnion, Equifax and Experian.
This method often works because of it’s so specific in terms of outlining what’s wrong with a credit entry. It’s probable that ARS National won’t be able to provide the information that the credit bureaus need. If this is the case, the credit entry from ARS will be wiped off your credit report, which usually means a better credit score.
You May Pay the Debt to Get It Removed
In a worst-case scenario, where ARS is able to prove the debt to everyone’s satisfaction, you will still have recourse. I recommend opening up a negotiation with ARS and offering to pay forty to fifty percent of the debt amount, as long as the company is willing to remove the credit entry upon receipt of payment (say, within 30 days of receiving your check).
The outcomes of negotiations with collections agencies vary. Try to get the best deal possible. Get it all in writing. Verbal agreements are not secure agreements.
Do You Need Help With This?
If you’re the type of person who would rather have a professional handle it and just be done with the whole thing, I suggest you check out Lexington Law Credit Repair. They’ll take care of you, and honestly they usually get stuff removed a lot quicker. Give them a call at 1-844-764-9809 or Check out their website.