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Home Debt Collection Agencies ACEI Collections

How to Remove American Collections Enterprise, Inc. (ACEI) from Your Credit Report

Credit report showing ACEI Collections collection account

At a glance

  • American Collections Enterprise, Inc. (ACEI) is a debt collection agency based in Alexandria, Virginia.
  • We'll discuss what they do, what your rights are, and how to get them off your credit report.
  • American Collections Enterprise is likely hurting your credit score.

Get expert help. Call now to remove ACEI from your credit report.

Call (855) 764-0034 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Sep 16, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

If you’ve received a phone call from someone representing AMCOLLECT/ACEI, you may be stressed about what to do next. You may not know whether the debts they’re chasing you for are yours or whether they’re legitimate. You might even want to hide or ignore the problem and hope it goes away.

However, it’s important to keep track of the debt collection process and to know your rights. Otherwise, you could end up getting into even worse trouble or hurting your credit. Read on to find out what you should do if AMCOLLECT/ACEI contacts you.

Table of Contents

  1. What is American Collections Enterprise, Inc. (ACEI)?
  2. Is American Collections Enterprise, Inc. a legit debt collection company?
  3. How to deal with ACEI

What is American Collections Enterprise, Inc. (ACEI)?

Established in 1993, American Collections Enterprise, Inc., which is sometimes referred to as ACEI or AMCOLLECT, is a debt collections agency headquartered in Alexandria, Virginia. As well as debt collection, they offer other services like skip-tracing (tracking down missing debtors) and reporting to the credit bureaus.

Alternative names for American Collections Enterprise, Inc.

American Collections Enterprise, Inc. is also known as AMCOLLECT (which is the name they use on their own website). Online, the company is often referred to as ACEI.

What kinds of debts does American Collections Enterprise, Inc. collect?

American Collections Enterprise, Inc. collects debt for small-to-medium-sized US businesses from various sectors. The types of debts they collect include:

  • Medical
  • Dental
  • Hospital and outpatient surgical centers
  • Tuition and school fees
  • Commercial (business to business)
  • Banking (credit cards, loans, etc.)
  • Bad checks
  • Unpaid utilities
  • Landlord/tenant/real estate

Is American Collections Enterprise, Inc. a legit debt collection company?

Yes, American Collections Enterprise, Inc. is a legit debt collection company. They’re a member of ACA International (the Association of Credit and Collection Professionals), which is a trade association for professional businesses and individuals in the industry.

However, you still need to be careful. Although ACEI is a real debt collection company, scammers often pose as debt collectors. If you get a call from someone claiming to be an ACEI representative, don’t pay them any money right away. You can tell whether you’re talking to a legitimate debt collector by contacting ACEI using the contact information above.

Note that ACEI should have sent you debt validation proving that you owe the debt when they first contacted you, as required by law. If they didn’t send you validation, it’s a significant red flag.

Also, even if ACEI is legit, it’s still possible they could use unethical tactics. Debt collectors are well-known for being aggressive when they pursue debts. In fact, ACEI has been taken to court in the past for alleged violations of the Fair Debt Collection Practices Act (a law that protects borrowers from predatory debt collectors and harmful debt collection practices).

If ACEI is calling you, make sure you know your rights, and don’t give out your personal information or agree to pay anything over the phone.

American Collections Enterprise, Inc. (ACEI) Contact Information

If you want to remove ACEI from your credit report, write to their address:

PayACEI

Address: P.O. Box 30096
Alexandria, VA 22310
Phone Number: (703) 253-7000
Website: payacei.virtualcollector.net

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

How to deal with ACEI

Ready to take control of your debt with ACEI? Choose the methods you want to attempt below.

Dispute Collections

If the debt is inaccurate, learn how to
remove the collection from your
credit report
.

Stop Harassment

If your rights are being violated,
learn how to fight back using protections
under federal law.

Verify Debt

If you're not certain the debt is yours,
request more information (and
temporarily stop collection efforts).

Pay Debt Collector

If you're ready to pay up, learn how to
do it in a way that keeps you on better
financial footing.

 

Other Collection Agencies

  • ACSI Collections
  • Accounts Receivable Services
  • Accounts Retrievable System
  • Accredited Collection Service
  • Acctcorp of Southern Nevada
  • Accudata Credit Systems
  • Acme Credit
  • Action Collection Agency
  • Action Collection Services
  • Action Financial Services

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

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