Seeing Amerisol Collections on your credit report can be frustrating, especially if you’ve already dealt with the bill—or didn’t even know it existed. Medical debt collection accounts can drag down your score and stay on your report for years. The good news? You have options to remove it.
Who Is Amerisol Collections?
Amerisol Collections, also known as AmeriFinancial Solutions, LLC (AFS), is a medical debt collection agency based in Baltimore, Maryland. They handle overdue medical bills on behalf of healthcare providers, particularly those related to physician services.
If you’re seeing Amerisol on your credit report, it likely means a doctor’s office or hospital group hired them to collect on an unpaid bill.
Who Does Amerisol Collections Work With?
Amerisol specializes in recovering medical debt tied to professional services. That includes:
- Independent physician offices
- Hospital-affiliated doctor groups
- Specialty clinics
Their focus is on collecting unpaid balances from visits to healthcare professionals—not general hospital charges or insurance disputes.
Is Amerisol Collections Legit?
Yes, Amerisol Collections is a legitimate debt collector. They are legally authorized to pursue unpaid medical debt. However, that doesn’t mean every account they report is accurate or valid. It’s essential to verify the debt before paying or responding.
How to Remove Amerisol Collections From Your Credit Report
Collections accounts can stay on your credit report for up to seven years—even if you pay them. If you want to protect your score or clean up your report, here are the best ways to remove Amerisol:
1. Dispute Any Inaccuracies
If the account is not yours, already paid, or reported incorrectly, you can file a dispute with the credit bureaus (Experian, TransUnion, and Equifax). They must investigate and remove the entry if they find it’s inaccurate.
2. Request Debt Validation
Send Amerisol a debt validation letter asking them to prove the debt is yours and that the amount is correct. If they can’t provide proper documentation within 30 days, they’re required to stop reporting it.
3. Offer a Pay-for-Delete Agreement
You may be able to negotiate a pay-for-delete deal, where you agree to pay the balance (or a reduced amount) in exchange for the account being deleted from your credit report. Get any agreement in writing before paying.
4. Work With a Credit Repair Company
A reputable credit repair company can handle the entire process for you—disputing errors, sending validation letters, and negotiating removals. This can save you time and stress, especially if you have more than one collection on your report.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Amerisol?
Don’t rush to contact Amerisol or send a payment. Take the time to:
- Confirm the debt is accurate
- Check if it’s past the statute of limitations in your state
- Consider whether paying will actually improve your credit
Paying a collection account may update the status to “paid,” but it won’t always help your score unless the account is removed. That’s why pay-for-delete agreements or professional help are often better options.
Can Amerisol Sue You or Garnish Wages?
Yes, Amerisol can take legal action if they believe it’s worth pursuing. If they sue and win, they could get a court order to garnish your wages or levy your bank account.
That said, lawsuits are usually a last resort and tend to happen with larger balances or when other collection attempts have failed. Most agencies prefer to work out a settlement or payment plan before going to court.
Amerisol Collections Contact Information
- Mailing Address:
AmeriFinancial Solutions, LLC
PO Box 65018
Baltimore, MD 21264-5018 - Phone Number:
(800) 753-7100
Complaints Against Amerisol Collections
Like many collection agencies, Amerisol has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Reporting debts that aren’t accurate
- Failing to verify the debt
- Harassing or repeated phone calls
If you’re experiencing any of these, you can file a formal complaint with the CFPB and dispute the entry with the credit bureaus.
Know Your Rights When Dealing With Amerisol
You have strong legal protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws require debt collectors to treat you fairly and report only accurate information.
Here’s what Amerisol cannot legally do:
- Report false or incomplete information to credit bureaus
- Harass or threaten you with arrest
- Call excessively or use abusive language
- Refuse to validate the debt upon written request
- Hide the fact that they’re a debt collection agency
You have the right to request validation, dispute errors, and demand fair treatment.
Get Help Removing Amerisol From Your Credit Report
Dealing with collections can be overwhelming, especially if you’re unsure where to start. Credit Saint makes the process easier by helping clients dispute and remove inaccurate negative accounts—like those from Amerisol Collections.
Their work is also backed by a full 90-day money-back guarantee, so you can move forward with confidence.
To get started, visit their website or call (855) 281-1510 for a free consultation.
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.
