If American Municipal Services shows up on your credit report, it likely means you have an unpaid debt that’s been sent to collections. These accounts can lower your credit score and stay on your report for years if not handled properly.
Here’s what you need to know about American Municipal Services and how to remove them from your credit report.
Who Is American Municipal Services?
American Municipal Services (AMS), also called the Warrant Enforcement Division, is a debt collection agency based in Carrollton, Texas. They focus on recovering unpaid debts on behalf of their clients.
If AMS appears on your credit report, it usually means a debt you owe has been turned over to them for collection.
Who Does American Municipal Services Collect For?
AMS is different from most collection agencies because they work mainly with government entities. Their clients include:
- Cities
- Counties
- Parishes
- State agencies
They typically collect unpaid bills, fines, fees, or other debts owed to local or state governments. This can include past-due utility bills, court fines, or other municipal obligations.
Is American Municipal Services Legitimate or a Scam?
American Municipal Services is a legitimate collection agency. They’re authorized to collect debts on behalf of their government clients.
Even though they’re a real company, never assume a debt is valid without proper verification. You have the right to request proof of any debt before paying.
How to Remove American Municipal Services From Your Credit Report
Collection accounts can damage your credit score for up to seven years, but there are ways to address them:
- Dispute Errors: Check your credit report for inaccuracies. If the account details, balance, or dates are wrong, file a dispute with the credit bureaus.
- Request Debt Validation: You can ask AMS to prove the debt is yours by sending a debt validation letter. If they can’t provide proof, the account must be removed.
- Negotiate a Pay-for-Delete: Some collection agencies will agree to remove the account from your credit report in exchange for payment. This isn’t guaranteed, but it’s worth trying.
- Work With Credit Repair Professionals: If you don’t want to handle the process alone, a credit repair company can help dispute inaccurate negative items on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Should You Contact or Pay American Municipal Services?
Before contacting them, confirm that the debt is accurate and still legally collectible. Some debts are too old to sue over, depending on your state’s statute of limitations. Making a payment can restart the clock, so be cautious.
If you’re not sure how to proceed, working with credit repair professionals can help you avoid costly mistakes.
Can American Municipal Services Sue You or Garnish Your Wages?
AMS has the legal authority to take you to court over unpaid debts. If they win the case, they could:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
These actions depend on your state’s laws and the size of the debt. Lawsuits are typically a last resort, as legal action is costly for the collection agency too. In most cases, they’ll try to work out a payment plan before going to court.
How to Contact American Municipal Services
Here’s how to reach them:
- Address:
American Municipal Services
3724 Old Denton Rd
Carrollton, TX 75007 - Phone Number:
(888) 420-9700
Complaints About American Municipal Services
AMS, like many collection agencies, has complaints filed with the Consumer Financial Protection Bureau and the Better Business Bureau. Common complaints include:
- Inaccurate information on credit reports
- Failure to verify debts
- Harassment or repeated calls
If you believe your rights have been violated, you can file a complaint with the CFPB or BBB.
Your Rights Under Federal Law
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you when dealing with debt collectors. Your rights include:
- They cannot report false or incomplete information to the credit bureaus
- You can demand written proof of the debt with a debt validation letter
- They cannot threaten, harass, or use abusive language
- They must clearly state they are a debt collection agency when contacting you
- They cannot threaten arrest or legal action they don’t intend to pursue
Get Help Removing American Municipal Services From Your Credit Report
If you’re struggling to handle collection accounts, professional help can make the process easier. Credit Saint has over 15 years of experience helping clients dispute inaccurate information on their credit reports. They even offer a 90-day money-back guarantee for added confidence.
If you’re ready to clean up your credit, they’re a trusted option to consider.
Visit their website or call (855) 281-1510 to get started.

Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.