Who is AmeriFinancial Solutions?
AmeriFinancial Solutions, LLC (AFS) is a debt collection agency headquartered in Baltimore, Maryland. They operate with the primary goal of helping businesses recover the debts owed to them.
If you have unresolved debts, you may notice AmeriFinancial Solutions appearing on your credit report as a collections account.
Who does AmeriFinancial Solutions collect for?
AmeriFinancial Solutions primarily focuses on serving hospital-based physician groups. These groups usually encompass several medical practitioners who provide comprehensive care in hospitals.
Is AmeriFinancial Solutions legit or a scam?
AmeriFinancial Solutions is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove AmeriFinancial Solutions from my credit report?
AmeriFinancial 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.)
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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.
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AmeriFinancial Solutions, LLC Contact Information
AmeriFinancial Solutions, LLC
P.O. Box 65018
Baltimore, MD 21264-5018
Phone number: (800) 753-7100
Should I contact or pay AmeriFinancial Solutions, LLC?
It’s best to avoid speaking to a debt collector on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with AmeriFinancial Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like AmeriFinancial Solutions, LLC on behalf of their clients.
Will AmeriFinancial Solutions, LLC sue me or garnish my wages?
Legal action and wage garnishment are serious measures that debt collection agencies like AmeriFinancial Solutions, LLC may resort to, but it’s important to understand that these are typically considered last resorts. Usually, they will first exhaust all other options, such as sending letters, making phone calls, and offering payment plans to encourage the debtor to settle the debt. The process of taking legal action can be lengthy and expensive for the collection agency.
If they decide to go this route, and they win the case, the court may allow them to garnish your wages to recover the debt. However, there are numerous factors that influence this decision, such as the size of the debt, your ability to pay, and your state’s laws.
AmeriFinancial Solutions, LLC 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 AmeriFinancial Solutions, LLC
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 AmeriFinancial Solutions 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.
- AmeriFinancial Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- AmeriFinancial Solutions must be honest about who they are and what they are attempting to do. They must notify you that they are a third-party collection agency both orally and in writing.
- AmeriFinancial Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove AmeriFinancial Solutions From Your Credit Report Today!
Credit Saint can assist you in disputing AFS 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.
Ready to Repair Your Credit?
Learn how to get help disputing errors on your credit report that could be hurting your credit score.
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