Seeing AmSher Collection Services on your credit report? You’re not alone. Collection accounts can damage your credit score and stick around for years—but that doesn’t mean you’re stuck with them. Here’s what you need to know about AmSher and how to get them off your credit report for good.
Who Is AmSher Collection Services?
AmSher Collection Services, also known as AmSher Receivables Management, is a debt collection agency based in Birmingham, Alabama. They collect past-due accounts on behalf of other businesses, often after the original creditor has stopped trying to recover the debt.
If they appear on your credit report, it typically means a company sold or assigned your unpaid debt to AmSher for collection.
Who Does AmSher Collect For?
AmSher works with clients across a wide range of industries, including:
- Cable and telecommunications companies
- Utility providers
- Healthcare systems and physician groups
- Financial services and lenders
- Property management firms
Because they serve so many different industries, the collection on your report could relate to anything from a medical bill to an old utility balance.
Is AmSher Collection Services Legit?
Yes, AmSher is a legitimate debt collector. They’re authorized to collect debt and must follow federal laws like the Fair Debt Collection Practices Act (FDCPA). That said, not all collection accounts are accurate. Always verify that any debt they’re trying to collect is valid before making a payment.
How to Remove AmSher From Your Credit Report
A collection account can stay on your credit report for up to seven years—even if you pay it. If you want to protect or rebuild your credit score, your goal should be to have the account removed entirely. Here’s how:
1. Dispute Any Inaccurate Information
If the balance is wrong, the debt isn’t yours, or the reporting details are incorrect, file a dispute with the credit bureaus. They’re required to investigate and remove any inaccurate information.
2. Request Debt Validation
You have the right to ask AmSher to validate the debt. Send a debt validation letter within 30 days of first contact. If they can’t provide proper documentation, they must stop reporting the debt to the credit bureaus.
3. Negotiate a Pay-for-Delete Agreement
If the debt is legitimate, try negotiating a pay-for-delete agreement. That means you agree to pay the debt (possibly at a discount) and AmSher agrees to remove the account from your credit report. Always get the agreement in writing before sending payment.
4. Work With a Credit Repair Company
If you’re not sure how to handle it yourself, a reputable credit repair company can step in. They dispute inaccurate accounts, handle debt validation requests, and often have success removing collections like AmSher from credit reports.
Not sure where to start with your credit?
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Should You Contact or Pay AmSher?
Before you reach out to AmSher, make sure you’ve confirmed the debt is:
- Accurate and up to date
- Not already paid or settled
- Still within the statute of limitations for collection in your state
Also, keep in mind that paying a debt in full doesn’t always help your credit unless the account is deleted. That’s why a pay-for-delete or a professional approach is usually the better move.
Can AmSher Sue You or Garnish Wages?
Yes, AmSher can sue you if they believe they can collect through legal action. If they win in court, they may be able to garnish your wages or freeze funds in your bank account. However, lawsuits are expensive and time-consuming, so most collectors use them only as a last resort.
AmSher Contact Information
- Mailing Address:
AmSher Collection Services, Inc.
4524 Southlake Parkway, Suite 15
Birmingham, AL 35244-2021 - Phone Numbers:
(205) 322-4110 or (844) 227-4627
AmSher Collection Services Complaints
AmSher, like many collectors, has received complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common issues include:
- Reporting inaccurate debt
- Failing to validate debt when requested
- Repeated or harassing calls
If you experience any of these problems, file a complaint with the CFPB and dispute the account with the credit bureaus.
Your Rights When Dealing With AmSher
You’re protected by both the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These laws give you the right to:
- Dispute inaccurate credit report entries
- Request written debt validation
- Be treated with respect—no threats or harassment
- Receive clear identification from the debt collector
- Avoid false threats, including arrest or public shaming
If AmSher violates these rules, you can report them and potentially sue for damages.
Get Help Removing AmSher From Your Credit Report
You don’t have to deal with AmSher alone. Credit Saint can help you dispute negative items, request validation, and work toward removing damaging accounts from your credit report.
Your satisfaction is guaranteed. If you’re not completely satisfied with their results, they’ll refund your investment within 90 days, no questions asked.
Ready to take action? Call (855) 281-1510 or visit their website to schedule your free consultation and start rebuilding your credit today.
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.