It’s depressing, but it’s true: Account Services Collections is a debt collection company, and if they contacted you, it’s because they believe you owe them money. But do you actually owe them or is it complete fiction? You have rights under federal law to suss out this critical information before you pay a dime.
But only if you act fast enough. Here’s what you need to do.
Table of Contents
- What is Account Services Collections?
- Who does Account Services Collections collect for?
- Is Account Services Collections a scam?
- How to stop Account Services Collections from calling you
- How to remove Account Services Collections from your credit report
- How to deal with Account Services Collections harassment
- Should you pay Account Services Collections?
What is Account Services Collections?
Headquartered in San Antonio, Texas, Account Services Collections, Inc. is a debt collection agency that was founded in 1974 (although their history can be traced back to a single-person operation in 1970). 1 2
They collect debt on behalf of creditors in various industries, and they have a healthcare financial services division that specifically provides early-out medical services. 3 4
Account Services Collections performs the following debt collection services: 3 5
- Skip tracing
- Consumer data pre-scrubbing
- Up-to-date location tracking
- Credit bureau reporting
- Interactive payment processing
- Trusted caller ID management
- Primary, secondary, and tertiary collections
Other names for Account Services Collections
Account Services Collections also goes by the following alternative names: 6
- Account Services
- Account Services, USA
- Healthcare Financial Services
- Check Services, USA
Make sure not to confuse Account Services Collections, Inc. with Account Resolution Services (ARS), which is a division of the medical debt collection agency Healthcare Revenue Recovery Group (HRRG).
Who does Account Services Collections collect for?
Account Services Collections, Inc. collects consumer debts on behalf of businesses of all sizes in various industries.
Specifically, they collect debt for the following types of companies: 3 5 7
- Rural and metropolitan hospitals
- Physicians organizations
- Surgery centers
- Dentists and clinics
- Credit card companies
- Auto lenders
- Retail service providers
- Utility companies
- Government agencies
- Telecommunications companies
Is Account Services Collections a scam?
No, Account Services Collections, Inc. isn’t a scam. They’re a legitimate debt collection agency with accreditation by the Better Business Bureau (BBB). 6
However, this doesn’t mean that they’ll always behave ethically. For example, they faced a class-action lawsuit in 2018 for violating consumer rights. 8
What’s more, scammers may pose as representatives from Account Services Collections, Inc. to try to collect money from you. For this reason, it’s important to always verify the validity of any debts you’re contacted about before you make any payments. To do so, contact Account Services Collections directly using the contact information below.
VIDEO: Account Services Collections in 2 Minutes—Fix Your Credit Report & Know Your Rights
How to stop Account Services Collections from calling you
Account Services Collections will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.
Unfortunately, Account Services Collections representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).
Don’t ignore debt collectors like Account Services Collections—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.
To begin, you can get Account Services Collections to stop calling you—at least temporarily—by sending them something called a debt verification letter.
Send a debt verification letter
A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that Account Services Collections should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.
Benefits of sending a debt verification letter
Sending a debt verification letter has three benefits:
- You’ll prevent Account Services Collections from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like Account Services Collections are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 9
- You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing Account Services Collections to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay. It’s an easy way of figuring out if the debt collector is a scam agency.
- You may successfully disown the debt: If Account Services Collections can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.
Beware the statute of limitations
The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for Account Services Collections to sue you over, at which point it’s known as time-barred debt.
If this is the case, you can send Account Services Collections a letter telling them to stop contacting you. Legally, they’ll have to abide by that.
The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.
How to remove Account Services Collections from your credit report
If your credit score is suffering as a result of Account Services Collections debt, there are three ways to recover:
1. Dispute the debt with all three credit bureaus
If you think that the debt associated with Account Services Collections on your credit report is illegitimate (e.g., if you paid it on time or it belongs to somebody else), dispute the item on your credit report. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.
To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing Account Services Collections on your credit report.
To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.
2. Negotiate with Account Services Collections
Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing Account Services Collections from your credit report will be very difficult (although not impossible).
Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.
However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove Account Services Collections from your credit report:
- Pay for delete: You might be able to convince Account Services Collections to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
- Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send Account Services Collections a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness. Create your letter using our free goodwill letter template.
3. Wait 7 years for Account Services Collections to fall off of your credit report
Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to Account Services Collections, it will remain on your credit report.
Learn more about Account Services Collections’s impact on your credit score:
- How many points will my credit score increase after I pay off collections?
- How to rebuild your credit after having a debt sent to collections
How to deal with Account Services Collections harassment
Unless you tell them not to, Account Services Collections will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.
Restrictions on Account Services Collections
When attempting to collect payments from you, Account Services Collections must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.
Account Services Collections representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against Account Services Collections if they do something illegal.
Can I sue Account Services Collections for harassment?
Yes, you can sue Account Services Collections for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. Account Services Collections will also have to pay your attorney fees and court costs.
How to file a complaint against Account Services Collections
If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue Account Services Collections.
Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to Account Services Collections, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take Account Services Collections to court.
Should you pay Account Services Collections?
You should only pay a collection agency like Account Services Collections if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.