If Americollect just showed up on your credit report, you’re probably wondering who they are and what you can do about it. A collection account can damage your credit score and stay on your report for up to seven years—but that doesn’t mean you’re stuck with it. Here’s how to handle Americollect and improve your credit.
Who Is Americollect?
Americollect, Inc. is a third-party debt collection agency based in Manitowoc, Wisconsin. They call themselves the “Ridiculously Nice Collection Agency,” and they mainly collect unpaid medical bills on behalf of hospitals, clinics, and other healthcare providers.
If you see their name on your credit report, it usually means a medical provider sent your unpaid debt to Americollect for collection.
Who Does Americollect Collect For?
Americollect focuses almost entirely on the healthcare industry. Their clients include:
- Hospitals
- Doctor’s offices
- Dentists
- Chiropractors
- Medical specialists
When patients don’t pay their medical bills, these providers may turn to Americollect to recover the money.
Is Americollect Legit?
Yes, Americollect is a legitimate debt collection agency—not a scam. They’re authorized to collect debts and must follow federal and state laws. But just because they’re real doesn’t mean you should automatically pay them. Always verify that the debt is accurate and still valid before taking action.
How to Remove Americollect From Your Credit Report
A collection account can hurt your credit score, especially if it’s recent. Here are your best options for getting it removed:
1. Dispute Any Errors
If the debt isn’t yours, the amount is wrong, or the account is being reported incorrectly, you have the right to dispute it with the credit bureaus. You can submit a dispute online with Experian, Equifax, and TransUnion.
2. Send a Debt Validation Letter
Under the Fair Debt Collection Practices Act (FDCPA), you can request written proof that the debt is legitimate. If Americollect can’t validate the debt within 30 days, they must stop collection efforts and remove it from your credit report.
3. Try a Pay-for-Delete Agreement
If the debt is valid and you can afford to pay it, you can offer a settlement in exchange for Americollect removing the account from your credit report. Not all agencies agree to this, but it’s worth trying—get any agreement in writing before sending money.
4. Work With a Credit Repair Professional
If you’re not comfortable handling disputes on your own, credit repair companies can take over the process for you. They know how to deal with collection agencies like Americollect and can help get negative items removed faster.
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 Americollect?
Don’t rush to contact or pay Americollect before doing your homework. Here’s why:
- Verify the debt first: Make sure it’s accurate, not past the statute of limitations, and hasn’t already been paid or settled.
- Don’t restart the clock: Making a small payment on old debt can restart the time it stays on your report.
- Document everything: If you do contact them, keep everything in writing.
Often, your best move is to dispute the debt or work with a credit repair company that knows how to negotiate removals.
Can Americollect Sue You or Garnish Wages?
Yes, Americollect can sue you if they believe they have a strong case. If they win in court, they could potentially garnish your wages. That said, lawsuits are usually a last resort and tend to happen with larger debts or when a consumer ignores repeated collection attempts.
Americollect Contact Information
- Mailing Address:
Americollect, Inc.
PO Box 1566
Manitowoc, WI 54221-1566 - Physical Address:
1851 S Alverno Road
Manitowoc, WI 54220 - Phone Number:
(800) 838-0100
Common Complaints About Americollect
Like most debt collectors, Americollect has complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most frequent complaints include:
- Reporting inaccurate information
- Failing to verify debts
- Harassment or aggressive collection tactics
If you experience any of this, you can file a complaint with the CFPB and dispute the account with the credit bureaus.
Your Rights Under the Law
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) give you several important protections:
- You can dispute inaccurate credit report entries.
- You have the right to request debt validation.
- Debt collectors cannot harass, threaten, or lie to you.
- They must tell you they are a debt collector and notify you in writing.
- They cannot threaten jail or use abusive language.
Knowing your rights can help you stay in control when dealing with Americollect—or any collection agency.
Need Help? Credit Saint Can Assist
Removing collections from your credit report can feel overwhelming, especially when you’re dealing with aggressive debt collectors.
That’s where a trusted credit repair company like Credit Saint can step in. They’ve helped thousands of people successfully dispute negative accounts—and They even offer a 90-day money-back guarantee for added peace of mind.
Call (855) 281-1510 or visit their website to schedule a free consultation.
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.
