If you’ve spotted Accounts Management Inc on your credit report, you might be wondering who they are and what you can do about it. Here’s what you need to know—and how to protect your credit score.
Who Is Accounts Management Inc?
Accounts Management Inc is a debt collection agency based in Sioux Falls, South Dakota. They collect unpaid debts on behalf of other companies, mostly in the healthcare industry. If they’ve appeared on your credit report, it usually means you have an outstanding medical bill or health-related debt.
Who Does Accounts Management Inc Collect For?
Accounts Management Inc primarily works with healthcare providers. That includes hospitals, clinics, insurance-related billing departments, and other medical services. The debt they collect often involves things like:
- Unpaid medical bills
- Balances left over after insurance payments
- Overdue charges for health-related services
Is Accounts Management Inc Legit?
Yes, Accounts Management Inc is a legitimate debt collection agency. They’re authorized to collect debts on behalf of their clients. That said, don’t just take their word for it—always verify that the debt is real and accurate before making a payment.
How to Remove Accounts Management Inc From Your Credit Report
Collections can drag down your credit score for up to seven years, so it’s important to act quickly. Here are your best options:
- Dispute errors – If the account is inaccurate or doesn’t belong to you, file a dispute with the credit bureaus. You can also send a debt validation letter to Accounts Management Inc to demand proof.
- Negotiate a pay-for-delete – In some cases, you may be able to pay the debt in exchange for having the account removed from your credit report. Get any agreement in writing before sending payment.
- Hire a credit repair service – If you’re not comfortable handling disputes yourself, professional credit repair companies can help challenge negative marks and guide you through the process.
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Should You Contact or Pay Accounts Management Inc?
Before reaching out or paying anything, double-check that the debt is:
- Legitimate
- Accurately reported
- Still within the statute of limitations
Making a payment on old debt can reset the reporting timeline, which might hurt your credit score even more. When in doubt, talk to a credit professional first.
Can Accounts Management Inc Sue You or Garnish Your Wages?
Yes, they can sue you to collect a debt. If they win in court, they could pursue wage garnishment or a bank levy—but that’s typically a last resort. Collection agencies often prefer to settle outside of court to avoid legal costs and delays.
Common Complaints About Accounts Management Inc
Like many collection agencies, Accounts Management Inc has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints involve:
- Inaccurate reporting
- Failure to validate the debt
- Harassing or repeated phone calls
If you’re dealing with any of these issues, you have the right to file a complaint and protect yourself under federal law.
Know Your Rights Under Federal Law
When dealing with Accounts Management Inc—or any debt collector—you’re protected by the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws give you specific rights, including:
- The right to dispute inaccurate debts – If something doesn’t look right, you can file a dispute with the credit bureaus.
- The right to request debt validation – Ask the collection agency to prove the debt is yours and that the amount is correct. They have 30 days to respond.
- Protection from harassment – Debt collectors can’t threaten you, use foul language, or call you excessively.
- Honest communication – They must clearly identify themselves and their purpose every time they contact you.
- No threats of jail time – You cannot be arrested for unpaid debts.
Accounts Management Inc Contact Information
- Address:
Accounts Management Inc
5132 S Cliff Ave Ste 1
Sioux Falls, SD 57108 - Phone: (605) 322-4672
Want Help Removing Accounts Management Inc From Your Credit Report?
Credit Saint has over 15 years of experience helping people remove collection accounts—and they know how to challenge negative items effectively. If you’re feeling overwhelmed by debt collectors, working with a trusted credit repair company can take the pressure off.
They also offer a 90-day money-back guarantee if you’re not satisfied.
Visit their website or call (855) 281-1510 to learn more.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
