Seeing AmeriFinancial Solutions on your credit report can be frustrating and hurt your credit score. Here’s what you need to know and how to deal with it.
Who Is AmeriFinancial Solutions?
AmeriFinancial Solutions, LLC (AFS) is a debt collection agency based in Baltimore, Maryland. They work with businesses to recover unpaid debts, often after accounts have been turned over for collection.
If they appear on your credit report, it usually means a debt has been assigned to them.
Who Does AmeriFinancial Solutions Collect For?
AmeriFinancial Solutions primarily collects debts for hospital-based physician groups. These groups typically include doctors who provide care in hospital settings.
Is AmeriFinancial Solutions Legitimate?
Yes, AmeriFinancial Solutions is a legitimate debt collection agency. They are authorized to collect debts for their clients. Still, always verify the details before making payments or agreeing to anything.
How to Remove AmeriFinancial Solutions From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to remove them:
- Dispute inaccuracies – Review your credit report for errors. If any information is incorrect, file a dispute with the credit bureaus to have it corrected or removed.
- Request debt validation – You can ask AmeriFinancial Solutions to prove the debt is yours. If they can’t provide proper documentation, they must stop collecting, and the account may be removed.
- Negotiate a pay-for-delete – Some collection agencies agree to remove the account in exchange for payment. Get any agreement in writing before sending money.
- Hire a credit repair company – Professional credit repair services can help challenge negative accounts like collections and protect your credit.
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Should You Contact or Pay AmeriFinancial Solutions?
Before contacting AmeriFinancial Solutions, confirm the debt is valid and still within your state’s statute of limitations. Making a payment can sometimes restart the clock, which could hurt your credit even more.
Many people choose to work with credit repair experts who deal with companies like AmeriFinancial Solutions every day.
Can AmeriFinancial Solutions Sue You or Garnish Your Wages?
Debt collectors, including AmeriFinancial Solutions, can sue for unpaid debts. If they win in court, they may be able to:
- Garnish your wages
- Levy your bank account
- Place a lien on your property
Lawsuits often depend on factors like the amount owed, collection costs, and state laws. Many collection agencies try to settle the debt before considering legal action.
AmeriFinancial Solutions Contact Information
Here’s how to contact them if needed:
AmeriFinancial Solutions, LLC
P.O. Box 65018
Baltimore, MD 21264-5018
Phone: (800) 753-7100
Complaints About AmeriFinancial Solutions
Many collection agencies face complaints with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Inaccurate reporting
- Harassment or repeated calls
- Failure to verify debts
If you feel your rights have been violated, consider filing a complaint with the CFPB or your state attorney general.
Your Rights When Dealing With AmeriFinancial Solutions
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you. These laws guarantee:
- AmeriFinancial Solutions cannot report false or incomplete information.
- You have the right to request written proof the debt is valid. They must respond within 30 days.
- They cannot harass, threaten, or use abusive language.
- They must clearly state they are a third-party debt collection agency both verbally and in writing.
- They cannot threaten you with arrest or jail for unpaid debts.
Get Help Removing AmeriFinancial Solutions From Your Credit Report
If dealing with collection agencies feels overwhelming, working with a trusted credit repair company can help. Credit Saint has helped thousands of people challenge inaccurate items on their credit reports. They even offer a 90-day money-back guarantee for extra peace of mind.
Ready to take the next step? Visit their website or call (855) 281-1510 to see how they can help improve your credit.

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.