If ARS National is contacting you about a debt, you are protected by the Fair Debt Collection Practices Act (FDCPA). Repeated or excessive phone calls, including multiple calls per day or calls made at inconvenient hours, may be considered illegal harassment. Debt collectors are not allowed to threaten lawsuits, wage garnishment, or arrest unless those actions are lawful and genuinely... https://protectionforconsumers.com/stop-ars-national-debt-collection-harassment/