Who is American Municipal Services?
American Municipal Services (AMS), also known as the Warrant Enforcement Division, is a legitimate debt collection agency based in Carrollton, Texas. They primarily engage in the recovery of unpaid debts on behalf of different entities.
If you see AMS listed on your credit report under collections accounts, this typically means that there is a bill you haven’t paid. The initial creditor may have outsourced or sold this unpaid debt to AMS for the purposes of collection, which is a common practice when a bill goes unpaid for a substantial amount of time.
Who does American Municipal Services collect for?
American Municipal Services is unique among debt collection agencies in that it primarily offers its debt collection and account resolution services to public entities. Their clientele typically includes cities, counties, parishes, and state agencies. This may encompass a wide variety of unpaid debts, including unpaid utility bills, fines, fees, or other obligations owed to these governmental entities.
Is American Municipal Services legit or a scam?
American Municipal Services is a legitimate account resolution company. They are authorized to collect debts on behalf of their clients. However, it’s crucial that you verify any debts that AMS claims you owe before you proceed with any form of payment.
How can I remove American Municipal Services from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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American Municipal Services Corporation (AMS) Contact Information
Address:
American Municipal Services
3724 Old Denton Rd
Carrollton, TX 75007
Phone number: (888) 420-9700
Should I contact or pay American Municipal Services?
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 Credit reports can contain errors or list debts that are no longer valid.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 Municipal Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like American Municipal Services on behalf of their clients.
Will American Municipal Services sue me or garnish my wages?
American Municipal Services (AMS) has the authority to take legal action against you if you fail to pay a debt. This could involve filing a lawsuit against you to recover the owed money. If the court rules in their favor and they receive a judgment against you, they might be able to garnish your wages or levy your bank account, depending on the laws of your state.
However, these are typically last-resort measures. Prior to reaching this point, there are usually opportunities for you to negotiate a payment plan or settlement with the agency. If you dispute the validity of the debt, you also have the right to challenge it.
American Municipal Services Complaints
Many collection agencies have numerous complaints filed 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 Municipal Services
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 Municipal Services 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 Municipal Services cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- American Municipal Services 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 Municipal Services cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove American Municipal Services From Your Credit Report Today!
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If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
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