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How to Settle Debt With ARS National Services

George Simons | January 28, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Be proactive when ARS National Services contacts you. Validate the debt, negotiate a settlement in writing, and resolve the matter to regain financial control. Use Solo

If you are being contacted by a debt collector with ARS National Services, you're probably wondering how you can get rid of the stress and frustration. Solo is here to help. We provide advice and insight on your legal rights and options to move forward and achieve a resolution to the debt collection matter. For example, we provide tips on how to engage with ARS National Services and how to negotiate a debt settlement.

Settle debt with ARS National Services

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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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 uses the latest technology, such as robocalls, letters, skip tracing, and other methods for attempting to contact consumers to try and recover on an outstanding debt.

The first step to resolving a debt with ARS National Services is communication. If you’re ready to settle your debt, use the ARS National Services phone number and other contact information below to reach out:

Who does ARS National Services collect for?

ARS National Services pursues charged off accounts for an array of companies, including financial institutions, credit card companies, auto loan companies, and so forth. For example, ARS National Services is known to collect debts for Bank of America.

Read ARS National Services reviews online

If you would like to know what other consumers have said about their experience interacting with ARS National Services, then read these online reviews:

It’s not unreasonable to describe the online reviews of ARS National Services as a mixed bag. Nevertheless, everyone’s experience is unique and will be influenced by their particular circumstances. The reviews should not deter you from taking steps to engage with ARS National Services in an effort to resolve the debt collection matter. Debt collectors are generally open to working with individuals to resolve the debt collection matter.

Of course, if the idea of calling a debt collector to engage in debt settlement negotiations sounds horrifying, then consider using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Use these tips to negotiate a debt settlement with ARS National Services

If you acknowledge that you actually owe the debt that is being collected by ARS National Services and prefer to avoid going through a stressful debt collection litigation process, then consider taking proactive steps to try and negotiate a debt settlement. ARS National Services may be agreeable to a proposed settlement for a lesser amount, as opposed to collecting nothing at all. The debt collector may also agree not to report your account to credit bureaus once you make a settlement payment.

The debt settlement process can be relatively straightforward. Here are some actions you can take to initiate the negotiation process:

  1. Respond to any pending debt collection lawsuit filed by ARS National Services.
  2. Determine how much you can afford to pay toward the debt based on the amount owed.
  3. Once you have a range for a settlement amount, send the settlement offer to ARS National Services.
  4. If you can reach a debt settlement agreement, get the terms in writing.

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process. Keep in mind that many debt collection agencies are willing to settle for less than the original amount, because often they purchase the debt for pennies on the dollar.

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Make an Offer

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.

Solo 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.

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