Question About ARS

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2 hours ago, AJ said:

Is A.R.S. National ( in Escondido CA) a collection agency collecting while the original lender still owns the debt?  Or, does A.R.S. National buy debts?


It appears they are strictly a collection agency.  However, it is possible for a business to be both.  

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I've dealt with them on an Amex account. Amex still owns the debt and they act as collection agency. In my case Amex said ARS is handling the debt then ARS referred me their FL office which was a law firm.  If the OC for your alleged debt is Amex then it's safe to say ARS is just collecting and OC still owns the debt.

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