Debt collection agencies like ARS National must follow strict federal guidelines when communicating with consumers. If you are receiving nonstop calls or calls at inconvenient times, this conduct could violate the FDCPA. Collectors cannot legally threaten arrest, lawsuits, or wage garnishment if they do not have the authority or intent to take such actions. Another common violation oc... https://protectionforconsumers.com/stop-ars-national-debt-collection-harassment/