American Municipal Services


Is American Municipal Services 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 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?

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 Municipal Services Corporation (AMS) Contact Information


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. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

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 Municipal Services

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, it 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 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • American Municipal Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • American Municipal Services 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 Municipal Services cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove American Municipal Services From Your Credit Report Today!

Credit Saint can assist you in disputing American Municipal Services 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

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