Home | ARS National Services Inc

We understand that you may be overwhelmed or did not even know you have an account in collections. ARS is here to help you with options.

We understand that you may have never heard of us. We are a highly reputable collections company that is here to help resolve your financial obligations.

We are not only here to help our customers, we are a great employer too!

BE MORE

ARS is dedicated to fostering an environment that appreciates humanity. ARS respectfully promotes cultural awareness and treats everyone with kindness. As a method to increase cultural competency, ARS:

provides continuous education on diversity, equity, and inclusion,
promotes various ethnic events, and
sponsors the development of Employee Business Resource Groups (EBRGs) to cultivate inclusiveness while ensuring that all team members thrive.

ARS is passionately driven to solve complex challenges involving diversity and inclusion.

A NATIONAL LEADER: ARS helps customers resolve their overdue accounts with dignity, transparency, and recognition of each individual’s financial situation:

With more than 25 years experience
Working in all 50 states
Working for the most reputable financial companies in the country

ARS offers experience and an in-depth understanding of accounts receivables management. We want to help our customers find the right solution that works for them, providing:

State-of-the-art technology to improve the customer experience
Regulatory knowledge to enhance and ensure compliance
Communication with customers in the medium and time that makes sense for them

Our client base relies on ARS to :

Streamline accounts receivables management
Treat customers with respect and understanding
Maintain the organization brand and standards
Operate compliantly
Make it easy for customers to initiate payment transactions
Protect our client's data
Drive top financial results
BE MORE

ARS has well-established partnerships with the world's largest, most sophisticated financial services organizations, including major banks and credit card companies. As well as leading providers in other industries, including:

Bankcards
Retail credit cards
Consumer loans
Auto loans
Healthcare
Marketplace Lenders
Student Loans
Alternative Financial Lenders

Here at ARS we believe:

Taking action is taking responsibility
Communication is gravity free
Work hard. Be nice
Listen more. Talk less
Do what's right
Be yourself. Let others be themselves
Do more with less
Be good at change
Everything matters. Results matter most
BE MORE

provides continuous education on diversity, equity, and inclusion,
promotes various ethnic events, and
sponsors the development of Employee Business Resource Groups (EBRGs) to cultivate inclusiveness while ensuring that all team members thrive.

ARS is passionately driven to solve complex challenges involving diversity and inclusion.

A NATIONAL LEADER: ARS helps customers resolve their overdue accounts with dignity, transparency, and recognition of each individual’s financial situation:

With more than 25 years experience
Working in all 50 states
Working for the most reputable financial companies in the country

ARS offers experience and an in-depth understanding of accounts receivables management. We want to help our customers find the right solution that works for them, providing:

State-of-the-art technology to improve the customer experience
Regulatory knowledge to enhance and ensure compliance
Communication with customers in the medium and time that makes sense for them

Our client base relies on ARS to :

Streamline accounts receivables management
Treat customers with respect and understanding
Maintain the organization brand and standards
Operate compliantly
Make it easy for customers to initiate payment transactions
Protect our client's data
Drive top financial results
BE MORE

Bankcards
Retail credit cards
Consumer loans
Auto loans
Healthcare
Marketplace Lenders
Student Loans
Alternative Financial Lenders

Here at ARS we believe:

Taking action is taking responsibility
Communication is gravity free
Work hard. Be nice
Listen more. Talk less
Do what's right
Be yourself. Let others be themselves
Do more with less
Be good at change
Everything matters. Results matter most
BE MORE

ARS aspires to be a transparent company that strives to serve the best interest of our customers, our clients, and our community. At ARS, we ask everyone to BE MORE by encouraging one another to participate in a number of community activities and nonprofit fundraisers including:

Habitat for Humanity
Father Joe’s Villages
Interfaith
San Diego Foodbank

And many more!

Health benefits: Medical insurance, dental insurance, vision and more are all part of your benefits package. You can also take advantage of our progressive employee well-being program, which includes a company paid employee assistance plan. We offer annual health risk assessments and on-site flu shots.

Career: Our full-time employees normally work 40 hours a week, we limit nights and weekends. We offer paid training to set you up for success and where you will learn critical job skills like assertive communication, asking the right question, and negotiation. We aspire to train you so well that you could take your skills anywhere, but treat you so well that you won't want to. We offer our Accounts Representatives competitive pay and performance-based bonuses.

Lifestyle: In order to guarantee the best work-life balance, we pay you to be with your family on Thanksgiving, the day after Thanksgiving, Christmas, New Year’s Day, Martin Luther King Jr. Day, Labor Day, Memorial Day, and Independence Day. We also provide all of our regular employees paid time off..

Escondido, CA

Our office is located in the heart of downtown Escondido. We are only 20 minutes away from the sunny beaches of San Diego and are walking distance to a variety of small shops, restaurants and local farmer's markets.

Jacksonville, FL

Our office is located on the Southside of Jacksonville with convenient access to all major interstates and just a short drive away from the beaches and Downtown. We have a diverse group of candidates from all over Jacksonville and the surrounding areas.

Houston, TX

Our Houston location is in the Westwood District of Southwest Houston, inside of the renovated Southwest Corporate Center. Strategically located at the corner of Highway 59 and Bissonett, and less than a mile from the Sam Houston Tollway, the Houston location provides direct freeway access to most major Houston metropolitan areas. With easy access to Highway 59 and the West Sam Houston Tollway, our location provides a convenient commute and easy access to most major areas in Houston.

Q. I've heard making collections calls can be challenging. What's the ARS approach?
ARS is committed to quality and compliance. In fact, Do the Right Thing is our #1 Core Value. We are not willing to sacrifice long-term success for our short-term goals. Our clients include the top credit card issuers in the world, and we are committed to speaking with their customers in a legal, professional, empathic way.
Q. Do I need collections experience?
No. Many of our top performers came to ARS with little or no collection experience. If you have the talent and desire required to succeed, we can teach you the skills through our intensive paid training program.
Q. What about other positions?
Yes, ARS does recruit for positions other than account representatives. In these cases, we look for skills related to specialized areas, culture fit, and for a record of critical thinking and creativity.
Q. Are there any employee benefits?
Yes, for full-time employees we offer a benefits package. We have many fun company sponsored events to encourage and support our employees to be active and fit. If you would like to learn more about our benefits, take a look at our benefits page.
Q. Do I have to submit a background check?
Yes, all potential ARS employee offers are contingent on passing a background check as well as a drug screen.

Habitat for Humanity
Father Joe’s Villages
Interfaith
San Diego Foodbank

And many more!

Escondido, CA

Jacksonville, FL

Houston, TX

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
State Disclosures

I Received A Phone Call

ARS is a highly reputable collection agency that is here to help you understand your repayment options and help you move towards financial recovery.

If you received a letter from ARS and would like to make a payment in accordance with the terms of the letter Click here to make a payment online right now. Our online payment portal makes paying off your debts quick and easy.

Additionally, you can mail in the payment with the payment coupon in accordance with the letter.

Have questions?

LIVE CHAT with one of our trusted professionals to get your questions answered and to learn more about your repayment options.
If you prefer to speak over the phone instead of chat, an Account Representative is ready to help. To speak with an Account Representative
please call (800)665-3140
Let us help you get started today.

Why Did ARS Contact Me?

We understand that you may have never heard of us. We are a highly reputable collection agency that is here to help resolve your financial obligations.

For nearly three decades, creditors have relied on ARS to work with their customers to develop mutually satisfying solutions to financial problems.

Let us help you get started today.

State Disclosures

We are required under certain Federal, State and Local laws to notify consumers of certain rights. This list does not contain a complete list of the rights for consumers under Federal, State, or Local laws.

ADDITIONAL INFORMATION FOR CALIFORNIA RESIDENTS

Department of Financial Protection & Innovation License # Pending.

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP www.ftc.gov.

ADDITIONAL INFORMATION FOR COLORADO RESIDENTS

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any action authorized by law to collect the debt. In state office: Colorado Manager Inc., 8690 Wolff Court, Suite 110, Westminster, CO 80031, (303) 920-4763.

ADDITONAL INFORMATION FOR DISTRICT OF COLUMBA RESIDENTS

270 W 2nd Ave., Escondido, CA 92025

ADDITIONAL INFORMATION FOR MASSACHUSETTS RESIDENTS

NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTION AGENCY. GENERAL OFFICE HOURS: MONDAY – FRIDAY, 8:30 A.M. - 10:00 P.M. AND SATURDAY 9:00 A.M. - 5:00 P.M. (EASTERN TIME).

ADDITIONAL INFORMATION FOR MAINE RESIDENTS

Please be advised that Western Union and MoneyGram may charge a fee for their payment services. General Office Hours: 8:30 a.m. - 10:00 p.m. and Saturday 9:00 a.m. - 5:00 p.m. (Eastern Time).

ADDITIONAL INFORMATION FOR MARYLAND RESIDENTS

Maryland Department of Labor NMLS ID# 934304, 944372 & 1738128.

To verify our licenses, please visit: https://www.nmlsconsumeraccess.org

ADDITIONAL INFORMATION FOR MINNESOTA RESIDENTS

THIS COLLECTION AGENCY IS LICENSED BY THE MINNESOTA DEPARTMENT OF COMMERCE.

ADDITIONAL INFORMATION FOR NEW HAMPSHIRE RESIDENTS

270 W 2nd Ave., Escondido, CA 92025

ADDITIONAL INFORMATION FOR NORTH CAROLINA RESIDENTS

ARS National Services Inc., 270 W 2nd Ave., Escondido, CA 92025, Company # 119505661
ARS National Services Inc., 7960 Baymeadows Way, Bldg 6, Ste 300, Jacksonville, FL 32256, Company # 119505670
ARS National Services Inc., 9702 Bissonnet St, Ste 2300W, Houston, TX 77036, Company # 119507190
ARS National Services Inc., 1810 First Oaks St, Ste 190, Richmond, TX 77406, Company # 517893122.

ADDITIONAL INFORMATION FOR NEW YORK RESIDENTS

Debt collectors, in accordance with the federal Fair Debt Collection Practices Act, 15 USC §1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:

i) The use or threat of violence;
ii) The use of obscene or profane language; and
iii) Repeated phone calls made with the intent to annoy, abuse, or harass.

“If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt:

1. Supplemental security income, (SSI);
2. Social security;
3. Public assistance (welfare);
4. Spousal support, maintenance (alimony) or child support;
5. Unemployment benefits;
6. Disability benefits;
7. Workers’ compensation benefits;
8. Public or private pensions;
9. Veterans’ benefits;
10. Federal student loans, federal student grants, and federal work study funds; and
11. Ninety percent of your wages or salary earned in the last sixty days.”

ADDITIONAL INFORMATION FOR NEW YORK CITY RESIDENTS

New York City Department of Consumer Affairs License numbers 2000745, 2000742, 2069412 and 2102604.

To better serve you, please advise us if you have a language preference other than English. A translation and description of commonly used debt collection terms is available in multiple languages on New York City’s Department of Consumer Affairs’ website at www.nyc.gov/dca. When permitted by our client, ARS offers Spanish language access services, including collection agents who speak Spanish, a website which is accessible in Spanish, and ARS can send you on request correspondence in Spanish.

ADDITIONAL INFORMATION FOR TENNESSEE RESIDENTS

This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, Tennessee 37243

ADDITIONAL INFORMATION FOR WASHINGTON RESIDENTS

270 West 2nd Ave., Escondido, CA 92025, License # 601722831-01-0001
7960 Baymeadows Way, Building 6, Suite 300, Jacksonville, FL 32256, License # 601722831-001-0002
9702 Bissonnet St., Suite 2300W, Houston, TX 77036, License # 601722831-001-0005
1810 First Oaks St, Ste 190, Richmond, TX 77406, License #601722831-001-0006

Terms of Use

Terms of Use

These "Terms of Use" set forth the terms and conditions that apply to your use of www.arsnational.com (the "Web Site"). By using the Web Site (other than to read this page for the first time), you agree to comply with all of the Terms of Use set forth herein. The right to use the Web Site is personal to you and is not transferable to any other person or entity.

Copyrights and Trademarks

No person is authorized to use, copy or distribute any portion of the Web Site including related graphics.

ARS National Services Inc. and other trademarks and/or service marks (including logos and designs) found on the Web Site are trademarks/service marks that identify ARS National Services Inc. and the goods and/or services provided by ARS National Services Inc.. Such marks may not be used under any circumstances without the prior written authorization of ARS National Services Inc..

Links to Third-Party Web Site

ARS National Services Inc. may provide hyperlinks to third-party web sites as a convenience to users of the Web Site. ARS National Services Inc. does not control third-party web sites and is not responsible for the contents of any linked-to, third-party web sites or any hyperlink in a linked-to web site. ARS National Services Inc. does not endorse, recommend or approve any third-party web site hyperlinked from the Web Site. ARS National Services Inc. will have no liability to any entity for the content or use of the content available through such hyperlink.

No Representations or Warranties; Limitations on Liability

The information and materials on the Web Site could include technical inaccuracies or typographical errors. Changes are periodically made to the information contained herein. ARS National Services Inc. MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, ALL OF WHICH IS PROVIDED ON A STRICTLY "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES WITH REGARD TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES SHALL THE SITE OWNER OR PUBLISHER BE LIABLE UNDER ANY THEORY OF RECOVERY, AT LAW OR IN EQUITY, FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, SPECIAL, DIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO LOSS OF USE OR LOST PROFITS), ARISING OUT OF OR IN ANY MANNER CONNECTED WITH THE USE OF INFORMATION OR SERVICES, OR THE FAILURE TO PROVIDE INFORMATION OR SERVICES, FROM THE WEB SITE.

Changes to These Terms of Use

ARS National Services Inc. reserves the right to change these Terms of Use at any time by posting new Terms of Use at this location.

PRIVACY POLICY

Last Updated: August 16, 2022

ARS National Services Inc. is sensitive to privacy issues. We believe that it is important you know how we treat the information about you that we receive via www.arsnational.com (the “Site”) or through other channels. The information regarding the use and sharing of your personally identifiable information is not intended to contradict your rights under the Fair Debt Collection Practices Act. ARS will not use or disclose any information in a manner that is prohibited by the Fair Debt Collection Practices Act or other applicable laws and regulations.

In general, you may visit the Site without telling us who you are or revealing any personally identifiable information about you. E-mail addresses and other personally identifiable information such as first and last name, home or other physical address, telephone number and other similar information are known only when voluntarily provided by a visitor.

Collection of Personally Identifiable Information

Unless otherwise disclosed during the collection, information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”) that may be collected in connection with visits to this Site is retained by ARS National Services Inc. or subsidiary corporations ("Affiliates"). ARS National Services Inc. has collected the following categories of personal information from consumers within the last twelve (12) months:

CATEGORY	DESCRIPTION	COLLECTED
Identifiers	Real name, alias, unique personal identifier, online identifier, Internet Protocol address, account name, or other similar identifiers.	YES
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))	Signature, education, employment, employment history, credit card number, or any other financial information.	YES
Protected classification characteristics under California or federal law	Characteristics of protected classifications under California or federal law.	YES
Commercial Information	Commercial information, including records of personal property, products or services purchased, obtained, or considered.	YES
Geolocation data and sensory data	Audio, electronic, visual, or similar information, including call recordings.	YES
Professional or employment-related information	Professional (or employment) related information.	YES
Education information	Education information, including school name, dates of attendance, degree, major/minor	YES
Inferences drawn from other personal information.	Inferences drawn from any of the information identified to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, abilities, and aptitudes, including employee assessments for retention purposes, and consumer ability to pay.	YES

Using Personally Identifiable Information

We may use the personal information we collect about you for any of the following purposes:

To understand the use of our Site;
To make improvements;
To respond to specific requests from visitors;
To obtain parental consent from visitors under 18 years of age, where necessary;
To provide any necessary notices to our visitors or their parent or guardians, where necessary;
To send you notices regarding this Site or our business;
Auditing our current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
Debugging to identify and repair errors that impair existing intended functionality.

Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling consumer requests, verifying customer information, processing payments, providing analytic services, or providing similar services on behalf of the business or service provider;
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
Providing debt collection services to businesses and collecting on defaulted accounts;
Employment purposes;
Undertaking internal research for technological development and demonstration;
Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business; and
To conduct any other legitimate business activities not otherwise prohibited by law.

ARS National Services Inc. and our Affiliates do not sell, transfer or otherwise disclose personal information, except as described in this Privacy Policy or where disclosure is permitted by law.

We do not sell personally identifiable information, and we will not sell personally identifiable information except as described in this Privacy Policy. If we ever decide to sell personally identifiable information, we will provide you with notice and a right to opt-out of such sale.

Sharing Personally Identifiable Information

We may share or disclose the personal information we collect about you:

With our affiliates and third-party service providers to the extent necessary to service or manage your account in the ordinary course of business;
To third parties authorized and/or designated by you;
In the event of a reorganization, merger, sale, joint venture, assignment, transfer, bankruptcy or liquidation, or other disposition of all or any portion of our business, assets, or stock when not otherwise prohibited by law;
To comply with applicable laws;
To comply with lawful requests and legal process, including to respond to requests from public and government authorities;
To protect our rights, privacy, safety or property, and/or that of you or others unless otherwise prohibited by law; and
To conduct any other legitimate business activities not otherwise prohibited by law.

Children and Minors

It is our policy that visitors to our Site who are under the age of 18 should not post on or provide information to our Site without the consent of their parents. You should supervise the online activities of your children, and consider the use of parental control tools available from online services and software providers that help provide a kid-friendly Internet environment.

Cookies

A technology called "cookies" may be used to provide you with tailored information. A "cookie" is a tiny element of data that a Web site can send to your browser, which may then be stored on your hard drive so we can recognize you when you return. You may be able to set your browser to notify you when you receive a cookie. Our cookies collect the operating system and browser that a visitor is using.

You have the ability to accept or decline cookies using your web browser settings. If you choose to not accept cookies from our Site, you may not be able to take full advantage of its features or to receive some of the services that it provides.

We may utilize Google Analytics as a means of collecting data and information relating to those accessing and using the Site. Information about how Google Analytics collect and process data and options you may have with regard to the collection of such data is available at https://policies.google.com/technologies/partner-sites.

Third-party vendors may collect personally identifiable information about your online activities over time and across different websites when you use the website. This Site does not respond to browser “Do Not Track” signals.

California Privacy Rights

Under the California Consumer Privacy Act, California residents have the right to:

Request that a business delete any personal information about the consumer which the business has collected via the Site and other channels.
Request that a business that collects personal information about the consumer disclose to the consumer, free of charge, the following:
- The categories of personal information that it has collected about that consumer.
- The categories of sources from which the personal information is collected.
- The business or commercial purpose for collecting or selling personal information.
- The categories of third parties with whom the business shares personal information.
- The specific pieces of personal information it has collected about that consumer.
Request that a business that sells the consumer’s personal information, or that discloses it for a business purpose disclose, free of charge, to the consumer:
- The categories of personal information that the business collected about the consumer.
- The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal information was sold, by category or categories of personal information for each third party to whom the personal information was sold.
- The categories of personal information that the business disclosed about the consumer for a business purpose.
Direct a business that sells personal information about the consumer to third parties not to sell the consumer’s personal information.

You may also designate an authorized agent to make such requests on your behalf by sending us a notarized power of attorney.

To exercise your California Consumer Privacy Act rights please use the form under the “CONTACT US” section on www.arsnational.com or call us at:

800-665-3140; TTY 866-922-9250; RELAY 800-936-7214

We will not discriminate against you because you exercise any of the rights as described in this section.

Security

This Site has security measures in place to protect against the loss, misuse and alteration of the information under our control. When credit card information is transmitted we use industry standard, SSL (secure socket layer) encryption.

Links to Third-Party Web Site

This Site may contain links to other sites of third parties. By including a link to a third-party site, we do not endorse or recommend any products or services offered or information contained at the third-party site. We are not responsible for the content or privacy practices of those other sites. Such third party may have a privacy policy different from that of ours and the third-party site may provide less security protection than our Site. If you decide to visit a third-party site via a link contained on our Site, you do so at your risk.

Changes to This Privacy Policy

We may revise this Privacy Policy from time to time. Unless otherwise stated, any modifications to the Privacy Policy will go into immediate effect after they have been posted, as indicated by the Last Updated date located at the beginning of this Privacy Policy. You are responsible for checking this policy when you visit our Site to review the current policy. If you do not agree with the policy, you should cease use of the Site immediately.

Contact Information

If you have any comments or questions about this Privacy Policy, you may contact us at legal@arsnational.com.

ARS National Services

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