877-204-6104

they keep calling me and then my husband looking for me.saying i have 6 fraud charges against me and i will be served.  WRONG!!!!!

I got the same call and can't find anything on them

The reason you can't find anything is they are a fraudulent company, they don't have a website, won't give an address and they threaten to throw people in jail for debt, which by law they can't do-  don't ever give those people any of your personal info or money

Michelle Jackson called me to tell me that she was processing the paperwork to file a lawsuit, and my phone died, she repeatedly called back and then left me a voicemail with a phone number to call.  My mother then called me to tell me she also received a call saying a lawsuit was being filed against me.  We laughed.  Apparently I owe money for a payday loan which is impossible since payday loans are illegal in MA, but I decided to play along and called her back.  I call (866) 333-5509 and I'm transferred to her.  I ask her name, company name, and address and request a validation notice on this debt.  She told me she isn't a debt collector she and its too late for all that to just go to court and pay my bills.  She is rude, tells me she doesn't want to talk to me because I hung up on her earlier and to "get off her line" and she hangs up on me.  I called back and when the receptionist picks up I can hear "Michelle" talking loud and laughing in the background.  I ask the receptionist what does ARA stand for and what is the company address, and she quickly transfers me back to Michelle who tells me she doesn't want to talk to me anymore, that I need to pay my bills and again to "get off her line" and she hangs up again.  Yeah, SUUUURRREEEE people who act like that are serving me with papers for a debt that's not mine...  I'll wait.

Oh and I found this info:

ARA
PO Box 5002
Villa Park, Illinois
United States of America

You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

ARA, ARA INC, ASSET RECOVERY ASSOCIATES AKA FINANCIAL CREDIT SERVICES, INC.
Posted in:  https://800notes.com/Phone.aspx/1-888-409-5060/5
https://800notes.com/Phone.aspx/1-630-599-5060/7#p898546697510332030
https://800notes.com/Phone.aspx/1-855-214-1412
https://800notes.com/Phone.aspx/1-855-202-9942
https://800notes.com/Phone.aspx/1-888-310-1550/3
https://800notes.com/Phone.aspx/1-630-282-6942/2#p1025248012045347878
https://800notes.com/Phone.aspx/1-877-204-6104

Web site with no contact info except a city mention in Illinois, and extremely poor English skills:  http://www.arainc.us/html/ara_inc_about_us.html
Web site for Financial Credit Services:  http://fcsinc.biz/html/contact_us.html

BBB has 2 pages on them listing a PO Box.   They are listed under ARA Inc.  and have a F rating with 1 complaints:  http://www.bbb.org/arkansas/business-reviews/ ... ock-ar-90095634

They are also listed under Asset Recovery Associates with an F rating, 159 complaints, and 10 negative reviews:  http://www.bbb.org/chicago/business-reviews/c ... ark-il-88276358
BBB page for financial Credit Services showing a B- with an alert and 1 complaint:  http://www.bbb.org/chicago/business-reviews/c ... ine-il-62001966

Looks like the State of Nevada slapped them with a cease and desist:  http://fid.state.nv.us/Notices/2012/ARA_INCdbaAssetRecoveryAssociates.pdf

Looks like Illinois did as well which is why they changed their name:  http://www.illinoisattorneygeneral.gov/pressroom/2006_05/20060518.html

Illinois Dept. of State info:
ARA Inc.
________________________________________
Entity Name    ARA, INC.     File Number    52859379
Status    ACTIVE
Entity Type    CORPORATION     Type of Corp    FOREIGN BCA
Qualification Date (Foreign)    09/28/1982     State    OHIO
Agent Name    JONATHAN T BAUCH     Agent Change Date    06/10/2010
Agent Street Address    1661 NORTHROCK COURT     President Name & Address    JONATHAN BAUCH 1661 NORTHROCK CT ROCKFORD IL 61103
Agent City    ROCKFORD     Secretary Name & Address    JULIA MARTIN KEELTY SAME
Agent Zip    61103     Duration Date    PERPETUAL
Annual Report Filing Date    09/08/2014     For Year    2014
Old Corp Name    05/23/2014 - ARACHNID, INC.
Asset Recovery Associates, note the different name at the top of the filing:
Entity Name    FINANCIAL CREDIT SERVICE, INC.     File Number    63083658
Status    ACTIVE
Entity Type    CORPORATION     Type of Corp    DOMESTIC BCA
Incorporation Date (Domestic)    09/17/2003     State    ILLINOIS
Agent Name    MARIO BIANCHI     Agent Change Date    02/22/2012
Agent Street Address    1919 S HIGHLAND AVE STE 225A     President Name & Address    BRUCE COHEN PO BOX 5002 VILLAPARK 60181
Agent City    LOMBARD     Secretary Name & Address    MARIO BIANCHI 1919 S. HIGHLANDAVE.STE 225-A LOMBARD IL60148
Agent Zip    60148     Duration Date    PERPETUAL
Annual Report Filing Date    09/04/2014     For Year    2014
Assumed Name    ACTIVE - ASSET RECOVERY ASSOCIATES

Lots of complaints;
http://www.ripoffreport.com/r/Asset-Recovery-Associates-ARA-Associates-Financial-Credit-Services/Schaumburg-Illinois-60168/Asset-Recovery-Associates-ARA-Associates-Financial-Credit-Services-Financial-Credit-Se-587484
http://www.complaintsboard.com/complaints/asset-recovery-associates-c136034.html
http://www.stupidhead.org/?p=149
http://www.creditinfocenter.com/community/top ... it-service-inc/

The San Jose Mercury News has an article that they are bad news:  http://www.mercurynews.com/ci_16743772

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt.  It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.

Read up on your rights here and also make a complaint at this government site:  http://www.consumerfinance.gov/

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general