Account Discovery Systems


Is Account Discovery Systems hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Account Discovery Systems?

Account Discovery Systems, LLC (ADS) is a third-party debt collection agency based in Amherst, New York. They engage in the collection of unpaid debts on behalf of their clients, focusing on amicable and ethical debt recovery processes.

ADS may appear on your credit report as a collections account if you have a debt that has been transferred or sold to them due to non-payment.

Who does Account Discovery Systems collect for?

Account Discovery Systems offers debt collection services across various sectors, collecting debts from auto loans, credit cards, medical loans, student loans, and rent-to-own retailers.

This broad scope means they work with a diverse range of businesses and industries, including financial institutions, healthcare providers, educational lenders, and retail businesses. Therefore, if you have an outstanding debt in any of these areas, you may find yourself dealing with ADS.

Is Account Discovery Systems legit or a scam?

Account Discovery Systems, LLC is a legitimate company. However, as with any debt collector, their attempts to recover unpaid debts may involve frequent contact, including calls, texts, or emails. While these practices may feel intrusive, they are typically legal as long as they adhere to the regulations established by the FDCPA.

How can I remove Account Discovery Systems from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Raise Your Credit Score?

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They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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Account Discovery Systems, LLC Contact Information


Account Discovery Systems, LLC
11 Pinchot Ct
Amherst, NY 14228

Phone number: (866) 416-9177

Should I contact or pay Account Discovery Systems?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

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

Will Account Discovery Systems sue me or garnish my wages?

Account Discovery Systems is legally entitled to file a lawsuit against a debtor for unpaid debts. If they win the lawsuit, they may obtain a court judgment that allows them to garnish your wages or levy your bank account, among other measures, subject to your state’s laws.

However, it’s worth noting that wage garnishment is typically a last resort in debt collection and isn’t used in all cases. Before it gets to this stage, you’d likely receive multiple notifications or calls from ADS attempting to settle the debt.

Account Discovery Systems, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Account Discovery Systems, LLC

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for Account Discovery Systems 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Account Discovery Systems cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Account Discovery Systems must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • Account Discovery Systems cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Account Discovery Systems From Your Credit Report Today!

Credit Saint can help you dispute Account Discovery Systems collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.