Who is Account Recovery Specialists, Inc.?
Account Recovery Specialists, Inc. (ARSI) is a debt collection agency located in Wichita, Kansas. They also have locations in Dodge City and Garden City, Kansas.
If ARSI appears on your credit report, it indicates that you have an unpaid debt that has been transferred to their agency for collection. This typically occurs when an individual has not settled a bill and the original creditor has outsourced the collection process to a third-party agency like ARSI.
Who does Account Recovery Specialists, Inc. collect for?
Account Recovery Specialists, Inc. provides debt collection services for a range of businesses across various industries. Their primary industries include commercial and consumer retail, financial services, government, healthcare and medical, and utilities. This implies that ARSI works with entities such as banks, credit card companies, hospitals, utility providers, and retail businesses to collect owed debts.
Is Account Recovery Specialists, Inc. legit or a scam?
Account Recovery Specialists is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove Account Recovery Specialists from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Account Recovery Specialists, Inc. (ARSI) Contact Information
Address:
Wichita Office
Account Recovery Specialists, Inc.
3505 N Topeka St.
Wichita, KS 67219-3641
Dodge City Office
Account Recovery Specialists, Inc.
200 West Wyatt Earp
Dodge City, KS 67801
Phone number: (855) 267-1827 or (316) 267-5400
Should I contact or pay Account Recovery Specialists, Inc.?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Account Recovery Specialists, Inc. is to work with a credit repair professional. They help remove millions of negative items every year from companies like Account Recovery Specialists, Inc. on behalf of their clients.
Will Account Recovery Specialists, Inc. sue me or garnish my wages?
While Account Recovery Specialists, Inc. (ARSI) has the legal right to sue you to recover the debt, it’s generally seen as a last resort due to the costs and time associated with legal action. If ARSI does sue and win a judgment against you, they may be able to garnish your wages, levy your bank accounts, or put a lien on your property, depending on the laws in your state.
Account Recovery Specialists, Inc. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Account Recovery Specialists, Inc.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Account Recovery Specialists, Inc. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- ARSI cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- ARSI must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- ARSI cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Account Recovery Specialists From Your Credit Report Today!
Credit Saint offers assistance with disputing ARSI accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
