Who is American Collection Systems, Inc.?
American Collection Systems, Inc. (ACS) is a debt collection agency located in Columbus, Ohio.
There is also a collection agency with the same name (American Collection Systems, Inc.) located in Laramie, Wyoming.
They are both in the business of recovering unpaid debts, and if you have an unpaid bill, you may find them listed on your credit report as a collections account.
Who does American Collection Systems collect for?
American Collection Systems serves a broad range of industries by collecting debts. Their clients typically operate in sectors such as higher education, healthcare and medical services, and retail and commercial collections.
Is American Collection Systems legit or a scam?
Despite their persistent contact methods, which may include repeated calls, texts, or emails, American Collection Systems is a legitimate company. However, if you’re being contacted by them, it’s crucial to ensure you indeed owe the debt they’re trying to collect, as errors can sometimes occur.
How can I remove American Collection Systems from my credit report?
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?
Some clients have raised their credit scores
by 100 points* or more.
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.
American Collection Systems, Inc. Contact Information
Address:
American Collection Systems, Inc.
800 Cross Pointe Rd Ste D
Columbus, OH 43230
Company in Wyoming address:
American Collection Systems, Inc.
200 South 2nd Street
Laramie, WY 82070
Phone number: (800) 561-9118 or (614) 410-6271
Company in Wyoming phone number: (800) 773-4349 or (307) 721-7150
Should I contact or pay American Collection Systems, Inc.?
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 American Collection Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Collection Systems, Inc. on behalf of their clients.
Will American Collection Systems, Inc. sue me or garnish my wages?
American Collection Systems, Inc., as a debt collection agency, does have the legal right to sue you if you fail to pay the debt that they are attempting to collect. If they win a judgment against you in court, they might be able to garnish your wages or levy your bank account depending on the laws of your state.
However, it’s important to remember that not every creditor or collections agency will choose to go this route, as it can be costly and time-consuming. They might be more inclined to work out a payment plan with you.
American Collection 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 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 American Collection Systems, Inc.
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 American Collection 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.
- American Collection Systems may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- American Collection 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.
- American Collection Systems cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove American Collection Systems From Your Credit Report Today!
Lexington Law can assist you in disputing American Collection Systems accounts. 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.
