Is Americollect hurting your credit score?

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Who is Americollect?

Americollect, Inc., self-proclaimed as the “Ridiculously Nice Collection Agency,” is a debt collection agency based in Manitowoc, Wisconsin. They specialize in helping businesses recoup money that’s owed to them. Americollect is known for its approach to collections, where they prioritize maintaining a positive relationship between the debtor and the original service provider.

If you see Americollect listed on your credit report as a collections account, it typically means you have an unpaid debt, often relating to medical bills, that has been transferred to them for collection.

Who does Americollect collect for?

Americollect primarily focuses on the healthcare industry, collecting medical debts on behalf of various healthcare providers. Their client base includes hospitals, dentists, chiropractors, and doctor’s offices. When patients are unable to pay their medical bills, these providers can hire Americollect to recover the funds.

Is Americollect legit or a scam?

Americollect is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s essential to verify any debts they claim you owe before making any payments.

How can I remove Americollect from my credit report?

Americollect 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.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, 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.

Americollect, Inc. Contact Information


Americollect, Inc.
1851 S Alverno Road
Manitowoc, WI 54220

Mailing address:

Americollect, Inc.
PO Box 1566
Manitowoc, WI 54221-1566

Phone number: (800) 838-0100

Should I contact or pay Americollect?

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

Will Americollect, Inc. sue me or garnish my wages?

Americollect can sue a debtor for unpaid debts. If they win the lawsuit, they might be able to obtain a court order to garnish your wages.

However, a lawsuit is often a last resort for many debt collection agencies and typically occurs when other attempts to collect the debt have failed. The decision to sue can depend on various factors, such as the size of the debt, the likelihood of recouping the debt through a lawsuit, and local laws and regulations.

Americollect Complaints

Many collection agencies have numerous complaints filed 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 you find yourself facing any of these situations with a consumer debt collection agency, you should also 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 Americollect

Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:

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

Remove Americollect From Your Credit Report Today!

Credit Saint can help you dispute Americollect accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many 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 call (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.