Who is Amerisol Collections?
Amerisol Collections, also known as AmeriFinancial Solutions, LLC (AFS), is a specialized medical debt collection agency headquartered in Baltimore, Maryland. They manage delinquent accounts and make efforts to secure payment on overdue bills.
If you have ever been late or defaulted on a medical bill, you may find Amerisol Collections appearing on your credit report as the assigned agency to recover the said debt.
Who does Amerisol Collections collect for?
Amerisol Collections is unique in its area of specialization, focusing primarily on the recovery of physician services debt. These could range from individual doctor’s offices to larger hospital-based physician groups.
Is Amerisol Collections legit or a scam?
Amerisol Collections is a legitimate debt collection 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 Amerisol Collections from my credit report?
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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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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Amerisol Contact Information
AmeriFinancial Solutions, LLC
P.O. Box 65018
Baltimore, MD 21264-5018
Phone number: (800) 753-7100
Should I contact or pay Amerisol Collections?
It’s best to avoid speaking to a collection agency 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 Amerisol Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Amerisol Collections on behalf of their clients.
Will Amerisol Collections sue me or garnish my wages?
Amerisol Collections may resort to taking legal action against the debtor, but this is often considered a last resort. This could potentially involve filing a lawsuit in an effort to obtain a judgement. If the court rules in favor of the collection agency, they could be granted permission to garnish your wages or levy your bank account to recover the debt.
However, this course of action incurs additional expenses and time commitment for the collection agency, so they may prefer to settle the debt through negotiations and payment plans.
Amerisol Collections 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 Amerisol Collections
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 Amerisol Collections 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.
- Amerisol Collections may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Amerisol Collections must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- Amerisol Collections cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove Amerisol Collections From Your Credit Report Today!
Credit Saint can assist you in disputing Amerisol Collections 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.
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