ARS National is required to respect your rights when attempting to collect a debt. If the agency is calling you repeatedly or at inappropriate hours, these actions may qualify as harassment under the FDCPA. Collectors are forbidden from making false threats of legal action, wage garnishment, or arrest. You are also entitled to receive written notice of the debt within five days of the... https://protectionforconsumers.com/stop-ars-national-debt-collection-harassment/