AmeriFinancial Solutions

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.

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

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.

AmeriFinancial Solutions, LLC Contact Information

Mailing Address:

AmeriFinancial Solutions, LLC
P.O. Box 65018
Baltimore, MD 21264-5018

Phone number: (800) 753-7100

Should I contact or pay AmeriFinancial Solutions, LLC?

Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 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

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 AmeriFinancial Solutions, LLC

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• 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. They have 30 days to prove the debt is yours and the amount is accurate.
• AmeriFinancial Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• AmeriFinancial Solutions must be honest about who they are and their purpose. 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 for unpaid debts.

Remove AmeriFinancial Solutions From Your Credit Report Today!

Credit Saint can help you dispute AFS collection 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.