American Accounts & Advisors


Is American Accounts & Advisors hurting your credit score?

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

Who is American Accounts & Advisors?

American Accounts & Advisors, Inc. (AAA) is a debt collection agency located in Cottage Grove, Minnesota. Their name is also spelled ‘American Accounts & Advisers’ with an ‘e’ on their website. They specialize in the recovery of outstanding debts for various types of businesses.

If you see American Accounts & Advisors listed on your credit report as a collections account, this indicates that you have an unpaid debt that was transferred to them for collection.

Who does American Accounts & Advisors collect for?

American Accounts & Advisors provides their collection services to a diverse clientele. In the healthcare industry, they collaborate with hospitals, clinics, and private medical practices to collect outstanding medical bills from patients.

For financial institutions, they often work on recovering unpaid credit card debt, loans, or other financial obligations. They also partner with commercial businesses to collect on business-to-business debts or unpaid invoices.

Is American Accounts & Advisors legit or a scam?

American Accounts & Advisors 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 American Accounts & Advisors 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.)

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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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American Accounts & Advisors Contact Information


American Accounts & Advisors
7460 80th St. S
Cottage Grove, MN 55016-3007

Mailing address:

American Accounts & Advisors
P.O. Box 250
Cottage Grove, MN 55016-3007

Phone number: (651) 287-6100 or (651) 405-9760

Should I contact or pay American Accounts & Advisors?

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 American Accounts & Advisors is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Accounts & Advisors on behalf of their clients.

Will American Accounts & Advisors sue me or garnish my wages?

American Accounts & Advisors is entitled to sue you for unpaid debts. However, whether they will actually do this depends on many factors, including the size of the debt, the age of the debt, and company policy. If they do decide to sue and win a judgment against you, they may be able to garnish your wages depending on the laws in your state.

American Accounts & Advisors Complaints

Most third-party collection agencies have numerous complaints filed against them 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 American Accounts & Advisors

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 American Accounts & Advisors 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.
  • American Accounts & Advisors cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • American Accounts & Advisors 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.
  • American Accounts & Advisors cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove American Accounts & Advisors From Your Credit Report Today!

Credit Saint can help you dispute American Accounts & Advisors 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

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