AAMS Collections

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Is AAMS Collections hurting your credit score?

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Who is AAMS Collections?

AAMS Collections, also known by the full name Automated Accounts Management Services, is a debt collection agency based in West Des Moines, Iowa. Their primary function is to recover debts that individuals owe to various businesses and organizations.

If you have an unpaid debt that has been transferred to AAMS Collections, their name might appear on your credit report as a collections account.

Who does AAMS Collections collect for?

AAMS Collections specializes in collecting medical debt, primarily serving clients in the healthcare industry. Medical debts could include unpaid hospital bills, costs for medical procedures, or other healthcare-related charges.

Is AAMS Collections legit or a scam?

AAMS Collections is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s essential to verify any debts they claim you owe before making any payments.

How can I remove AAMS Collections from my credit report?

AAMS collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

AAMS Collections Contact Information

Address:

Automated Accounts Management Services
4800 Mills Civic Pkwy Ste 202
West Des Moines, IA 50265

Phone number: (877) 770-5252 or (515) 225-0525

Should I contact or pay AAMS Collections?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with AAMS Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like AAMS Collections on behalf of their clients.

Will AAMS Collections sue me or garnish my wages?

AAMS Collections is entitled to take legal steps, such as filing a lawsuit, to recover the money owed to them. If they win the lawsuit and secure a judgment against you, they may have the ability to garnish your wages or even levy your bank account, subject to the laws of your specific state.

However, lawsuits and wage garnishments are generally last-resort measures. Typically, a debt collector will attempt to collect the debt through other means, like phone calls, letters, or settlement offers, before resorting to legal action.

AAMS Collections Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with AAMS Collections

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for AAMS Collections to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • AAMS Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • AAMS Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • AAMS Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove AAMS Collections From Your Credit Report Today!

Credit Saint can assist you in disputing AAMS Collections accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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