American Collections Enterprise


Is American Collections Enterprise hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is American Collections Enterprise?

American Collections Enterprise, Inc. (ACEI), also known as AMCOLLECT, is a debt collection agency with its base in Alexandria, Virginia. They work with individuals and businesses to collect debts owed to their clients.

If you have an unpaid debt that has been passed onto this agency, you may find AMCOLLECT listed on your credit report as a collections account.

Who does American Collections Enterprise collect for?

American Collections Enterprise (ACEI) caters to a broad array of industries. They collect for the banking industry (including overdue credit card payments and loans), the commercial sector (mainly B2B debts), and medical providers (dental and hospital bills).

Additionally, they handle dishonored checks, landlord/tenant disputes, and unpaid rent in the real estate sector. Their client base also includes personal services, car rental companies, utility providers, and educational institutions for defaulted student loans.

Is American Collections Enterprise legit or a scam?

American Collections Enterprise is a legitimate debt collection agency that is authorized to collect debts for its clients. Despite being a real business, the presence of scams in the collections industry makes it vital for consumers to verify any debt claims made by collection agencies.

How can I remove American Collections Enterprise from my credit report?

American Collections Enterprise 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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 Collections Enterprise, Inc. (ACEI) Contact Information


American Collections Enterprise, Inc.
205 S Whiting St. STE 500
Alexandria, VA 22304-3632

Phone number: (703) 253-7000

Should I contact or pay American Collections Enterprise?

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

Will American Collections Enterprise sue me or garnish my wages?

American Collections Enterprise does have the legal ability to sue you in an attempt to collect a debt. If they were to win the lawsuit and secure a judgment against you, the court could allow them to garnish your wages, levy your bank account, or employ other collection methods depending on the laws in your specific state.

However, keep in mind that lawsuits are generally costly and time-consuming, and most debt collectors would prefer to settle the matter out of court if possible.

American Collections Enterprise, Inc. 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 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 Collections Enterprise

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that debt collectors don’t take advantage of you. In particular:

  • It is a violation of federal law for American Collections Enterprise 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 Collections Enterprise may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • American Collections 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 Collections cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove American Collections From Your Credit Report Today!

Credit Saint can assist you in disputing American Collections Enterprise collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (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.