Who is AMCOL Systems?
AMCOL Systems, Inc. is a debt collection agency based in Columbia, South Carolina. The agency is tasked with the collection of outstanding debts that have been transferred to them, typically as a result of non-payment of a bill.
If AMCOL Systems appears on your credit report, it signifies that they oversee collecting a debt that you owe.
Who does AMCOL Systems collect for?
AMCOL Systems is focused on the healthcare industry. They collect debts for hospitals, health systems, and physician groups on a nationwide scale.
When these healthcare providers have patients who are unable to or have not paid their bills, these debts often get passed to AMCOL Systems for collection. This could range from unpaid hospital bills, physician fees, to other healthcare-related expenses.
Is AMCOL Systems legit or a scam?
AMCOL Systems is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove AMCOL Systems from my credit report?
AMCOL Systems 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.)
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Some clients have raised their credit scores
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Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they can work with 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.
AMCOL Systems, Inc. Contact Information
Address:
AMCOL Systems, Inc.
111 Lancewood Rd
Columbia, SC 29210
Mailing address:
AMCOL Systems, Inc.
PO Box 21625
Columbia, SC 29221
Phone number: (800) 849-8500
Should I contact or pay AMCOL Systems?
It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with AMCOL Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like AMCOL on behalf of their clients.
Will AMCOL Systems sue me or garnish my wages?
AMCOL Systems does have the ability to sue for unpaid debts. If they win the lawsuit and the court issues a judgment against you, they could potentially garnish your wages or levy your bank accounts, depending on the laws of your state.
However, it’s important to know that legal action is typically a last resort for debt collectors. It’s more cost-effective and time-efficient for them to work out a payment plan or settlement with you.
AMCOL Systems, Inc. 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 you find yourself facing any of these situations with AMCOL Systems, you should also 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 AMCOL Systems
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 AMCOL 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- AMCOL Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- AMCOL Systems 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.
- AMCOL Systems cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove AMCOL Systems From Your Credit Report Today!
Lexington Law can assist you in disputing AMCOL collections. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
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 for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
