Been told by AmSher Collection Services that you owe them money? If you’ve been receiving endless phone calls and letters, you can put a short-term hold on their communications and force them to provide more information about it.
But you can only do that if you act quickly. Here’s how to get started.
Table of Contents
- What is AmSher Collection Services?
- Who does AmSher Collection Services collect for?
- Is AmSher Collection Services a scam?
- How to stop AmSher Collection Services from calling you
- How to remove AmSher Collection Services from your credit report
- How to deal with AmSher Collection Services harassment
- Should you pay AmSher Collection Services?
What is AmSher Collection Services?
Headquartered in Birmingham, Alabama, AmSher Collection Services, Inc. is a debt collection agency that was founded in 1986. 1 The company also operates in Montego Bay, Jamaica and Panama City, Panama. 2
AmSher Collection Services performs the following debt collection services: 3
- First- and third-party collections
- Primary, secondary, and late-stage collections
- Warehouse services
- B2B commercial collections
- Legal support
- Bilingual Spanish services
- Flat-fee collection services
- Tailored contact campaigns
Other names for AmSher Collection Services
The following names all refer to AmSher Collection Services, Inc: 4
- AmSher Receivables Management
- AmSher Compassionate Collections
Who does AmSher Collection Services collect for?
AmSher Collection Services, Inc. collects commercial and consumer debt on behalf of various businesses. Specifically, they work for the following types of companies: 4
- Telecommunication companies
- Cable and utility providers
- Healthcare providers
- Property managers
- B2B commercial companies
- Financial service companies
Is AmSher Collection Services a scam?
No, AmSher Collection Services, Inc. isn’t a scam. They’re a legitimate debt collection agency. They’ve been accredited by the Better Business Bureau (BBB) since 1986 and have held a membership with ACA International since 2019. 4 5
However, this doesn’t mean that they’ll always behave ethically. In 2018, AmSher Collection Services was found guilty of violating consumer rights by using telephone harassment to collect debt. 6
What’s more, scammers may pose as representatives from AmSher Collection Services to try to trick you into paying them. That’s why it’s important to always verify any debts you’re contacted about before making any payments. To do so, contact AmSher Collection Services directly using the contact information below.
VIDEO: AmSher Collection Services in 2 Minutes—Fix Your Credit Report & Know Your Rights
How to stop AmSher Collection Services from calling you
AmSher Collection Services 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, AmSher Collection Services 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 AmSher Collection Services—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 AmSher Collection Services 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 AmSher Collection Services 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 AmSher Collection Services from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like AmSher Collection Services are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 7
- You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing AmSher Collection Services 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 AmSher Collection Services 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 AmSher Collection Services to sue you over, at which point it’s known as time-barred debt.
If this is the case, you can send AmSher Collection Services 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 AmSher Collection Services from your credit report
If your credit score is suffering as a result of AmSher Collection Services debt, there are three ways to recover:
1. Dispute the debt with all three credit bureaus
If you think that the debt associated with AmSher Collection Services 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 AmSher Collection Services 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 AmSher Collection Services
Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing AmSher Collection Services 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 AmSher Collection Services from your credit report:
- Pay for delete: You might be able to convince AmSher Collection Services 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 AmSher Collection Services 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 AmSher Collection Services 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 AmSher Collection Services, it will remain on your credit report.
Learn more about AmSher Collection Services’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 AmSher Collection Services harassment
Unless you tell them not to, AmSher Collection Services 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 AmSher Collection Services
When attempting to collect payments from you, AmSher Collection Services 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.
AmSher Collection Services 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 AmSher Collection Services if they do something illegal.
Can I sue AmSher Collection Services for harassment?
Yes, you can sue AmSher Collection Services 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. AmSher Collection Services will also have to pay your attorney fees and court costs.
How to file a complaint against AmSher Collection Services
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 AmSher Collection Services.
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 AmSher Collection Services, 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 AmSher Collection Services to court.
Should you pay AmSher Collection Services?
You should only pay a collection agency like AmSher Collection Services 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.