Start My Answer

How to Beat ARS National Services

George Simons | July 21, 2022

via GIPHY

You when you beat ARS National Services ^^

Summary: When ARS National Services comes after you for a debt, SoloSuit can help you know your rights, respond, and win in court.

If you are being subjected to harassment by a debt collector with ARS National Services, you're probably wondering how you can get rid of the stress and frustration.. Why? Because it's quite common for debt collectors with ARS National Services to use inappropriate and unethical tactics to try to get you to pay the debt allegedly owed.

If you are enduring multiple phone calls, threatening letters, and other questionable attempts to intimidate you by a debt collector with ARS National Services, you do not have to put up with this behavior. You have rights and protections under the Fair Debt Collection Practices Act (FDCPA), along with other laws.

Don't let aggressive debt collectors harass you. Respond with SoloSuit.

What is ARS National Services?

ARS National Services is a legitimate collection agency, so do not throw away correspondence because you think it's a scam or fraudulent attempt to get money from you. This debt collection agency operates out of California and has five regional offices across the country. ARS National Services is known for utilizing robocalls, letters, skip tracing, and other methods for attempting to contact consumers to try and recover on an outstanding debt.

ARS National Services has received many complaints

Consumers have filed complaints about the questionable tactics used by ARS National Services to collect debts. For example, consumers have reported that ARS National Services engages in improper contact and inappropriately shares sensitive personal information of the individuals they are pursuing to recoup on a delinquent account.

With a rating of 1.3 out of 5 stars on its Better Business Bureau profile, ARS National Services also received more than 40 complaints over the past three years. Most of these complaints mention that ARS National Services violated the FDCPA in order to get consumers to pay them.

Use the FDCPA to stand up to ARS National Services

Debtors who are not well-informed about their rights under the FDCPA may become prey to ARS National Services. To avoid being tricked into a default judgment, take note of the following rules and regulations outlined by FDCPA:

  • Debt collectors have no right to contact you at work or ambush you at the workplace.
  • ARS National Services should maintain an ethical and professional language when getting in touch on the phone, through a letter, or social media interaction.
  • ARS National Services should not make threats about a court case.
  • The agency has no right to contact you before 8 a.m. and after 9 p.m.
  • ARS National Services cannot use crude or vulgar language to get you to pay a debt.

Within this time frame, you have the right to ignore their calls. With a better understanding of your rights as a debtor, you stand a chance to beat ARS National Services in a court case.

Defend yourself against ARS National Services

You need to respond to a lawsuit from ARS National Services and within the court's stipulated time frame, which is 14-35 days depending on which state you live in.. It doesn't matter if it's valid or not; if you do not respond, you risk losing money anyway through a default judgment.

In response to a ARS National Services debt lawsuit, follow these three steps:

  1. Respond to each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File your Answer through your local Clerk of the court, and send a copy to ARS National Services.

Use SoloSuit to respond to a debt collection lawsuit in 15 minutes.

Now, let's break down each of these steps a little further. You can also check out the video below to learn more about the three steps to respond to a debt lawsuit:

1. Respond to each claim listed in the Complaint

Many consumers ignore debt lawsuits, usually because they don't know how to respond and thinking about it becomes too stressful. Don't make this same mistake! The first step to winning your case against ARS National Services is to respond to the Summons and Complaint.

The Summons document notifies you of the lawsuit, while the Complaint document lists the specific claims being made against you.

Respond to each claim listed in the Complaint. This is the first and most important section of your Answer document. Any unanswered claim is considered an admission—that's right; not responding is like admitting. Instead, take a close look at each claim and answer with one of the following response:

  • Admit—like saying, “This is true.”
  • Deny—like saying, “Prove it.”
  • Deny due to lack of knowledge—like saying, “I don't know.”

Most attorneys recommend denying as many claims as possible. When you deny, ARS National Services will probably have to do more work to prove their case. Some debt collection agencies would rather dismiss the case then continue in their efforts to prove it. And if they don't have the proper documentation to show the debt is valid, their case will be invalid anyways.

2. Use these affirmative defenses in your Answer

Before the court rules in favor of ARS National Services, they must prove that you owe the debt and that the amount quoted in the claim is the exact amount owed. Failure to prove this automatically warrants lawsuit dismissal, and you will win the case.

In order to win their case, ARS National Services must prove the following:

  • The firm has the right to sue you.
  • You are the legal debtor.
  • The debt in the lawsuit is the exact amount you owe.

In your Answer, you should include a list of affirmative defenses to weaken the case of ARS National Services.

You can use the statute of limitations approach to challenge the ARS National Services' claim. The statute of limitations is the time period that a debt collector can sue someone for a debt. If you tell the court that ARS filed the lawsuit after the statute of limitations expired, you could win your case.

Another option you may pursue in your defense is filing a countersuit. However, you must prove to the court that ARS National Services went against the provisions of the FDCPA. If you win against the debt collector in the countersuit, they will compensate you for damages and clear the legal fees.

3. File your Answer in court, and send a copy to ARS National Services

When you finish drafting your Answer, make sure to file it with the court as soon as possible. As a reminder, you have 14-35 days to submit your Answer before ARS National Services can request a default judgment, which may give them the right to garnish your wages and put liens on your property.

SoloSuit can help you file an Answer in all 50 states.

After filing is complete, you're not quite in the clear yet. The court requires you to send a copy of the Answer to the attorneys representing ARS National Services. You should send this copy via USPS certified mail with a return receipt requested. Use the address listed on the Summons and Complaint documents.

And just like that, you'll be ready to contest the case and beat ARS National Services in court.

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.


Ask a Question


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.



Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.


Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court