Account Recovery Specialists Phone Harassment – Your Rights & How to Act

If you are getting frequent or harassing calls from Account Recovery Specialists, you are not alone—and the law protects you. Debt collectors are allowed to contact you regarding unpaid debts, but they must do so within legal limits. When those limits are crossed, you have the right to take action.

What Constitutes Harassment

Debt collector harassment happens when contact becomes aggressive, excessive, or violates the rules set out by the Fair Debt Collection Practices Act (FDCPA). Some examples include:

• Calls multiple times a day or at all hours

• Threats of legal action they don't intend to take or cannot make

• Sharing your private info or discussing your debt with third parties

• Contacting you at your workplace after being asked not to

If ARS is doing any of these things, it may be violating your rights.

What You Can Do

Request Debt Validation in Writing

You have the right to ask ARS for written proof of the debt: who the original creditor is, how much is owed, and documentation supporting the claim.

Send a Cease-and-Desist Letter

If the calls are overwhelming or abusive, sending a written demand that ARS stop contacting you can force them to limit how they communicate with you.

Keep Detailed Records

Every time they call, record the date, time, phone number, what was said, and whether you asked them to stop. Save any voicemails or messages—these can serve as evidence.

Seek Legal Assistance

If ARS continues harassment after you’ve asked them to stop and validated the debt, a consumer protection attorney can help you enforce your rights and possibly recover damages.

For more information, you can visit Account Recovery Specialists phone harassment which gives you guidance on your rights and the steps to stop abuse.