George Simons | October 19, 2022
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.
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.
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.
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:
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.
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:
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:
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:
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.
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:
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.
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.
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.
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.
"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
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.