If Bureau of Account Management has shown up on your credit report, it likely means a medical debt or other unpaid bill has been sent to collections. Here’s what to know about them—and how to get that negative account removed.
Who Is Bureau of Account Management?
Bureau of Account Management (BAM) is a nationally licensed debt collection agency based in Camp Hill, Pennsylvania. They work on behalf of businesses to collect unpaid debts.
If you see BAM listed on your credit report as a collection account, it usually means they’ve taken over or purchased a debt tied to a missed payment.
Who Does Bureau of Account Management Collect For?
BAM primarily works with healthcare providers and medical facilities, including:
- Physician offices
- Medical specialty practices
- Surgery centers
- Hospitals
- Long-term care facilities
- Rehabilitation centers
- Skilled nursing facilities
If you’ve fallen behind on a medical bill, your debt may have been handed over to BAM for collection.
Is Bureau of Account Management Legitimate?
Yes, Bureau of Account Management is a legitimate company. They are authorized to collect debts on behalf of their clients. That said, never assume the debt is valid—always verify the details before making any payments.
How to Remove Bureau of Account Management From Your Credit Report
Collection accounts can lower your credit score and remain on your credit report for up to seven years. But there are steps you can take to deal with it:
- Dispute the Account: If the information is inaccurate or incomplete, file a dispute with the credit bureaus. They are required to investigate and correct any errors.
- Negotiate a Pay-for-Delete: Some agencies may agree to remove the account from your credit report if you pay. Always get the agreement in writing.
- Work With a Credit Repair Service: Credit experts can help dispute questionable items and work to have them removed.
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Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Bureau of Account Management?
Before contacting BAM or making payments, confirm the debt is legitimate. Errors happen, and sometimes paid or outdated accounts still appear on your credit report.
Also, be aware that paying the debt could reset the statute of limitations in some states, which affects how long the debt remains legally enforceable.
Many people choose to work with a credit repair company to avoid missteps and protect their credit.
Can Bureau of Account Management Sue You or Garnish Your Wages?
Bureau of Account Management has the legal right to sue you to collect an unpaid debt. If they file a lawsuit and win, they may be able to garnish your wages or levy your bank account, depending on your state’s laws.
Lawsuits and wage garnishments are usually a last resort after other collection efforts fail.
Complaints About Bureau of Account Management
Like most debt collectors, BAM has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB).
The most common complaints include:
- Inaccurate or outdated information on credit reports
- Harassing or excessive phone calls
- Failure to properly verify debts
If you feel your rights are being violated, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Bureau of Account Management
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), which prevent unfair or abusive collection tactics.
Here’s what those laws guarantee:
- Debt Validation: You can request written proof that the debt belongs to you and that the amount is correct. Send a debt validation letter within 30 days of being contacted.
- Accurate Reporting: BAM cannot report false, incomplete, or outdated information to the credit bureaus.
- No Harassment: They cannot use threatening language, call excessively, or attempt to shame you publicly.
- Transparency: They must clearly state they are a debt collector and explain the reason for contacting you.
- No False Threats: They cannot threaten arrest or legal action they don’t intend to take.
Bureau of Account Management Contact Information
Address:
Bureau of Account Management
3607 Rosemont Ave, Ste 502
Camp Hill, PA 17011
Phone Numbers:
(800) 599-0423
(717) 214-3017
Remove BAM Collections From Your Credit Report
If a collection account from Bureau of Account Management is dragging down your credit, professional help is available. Credit Saint has helped thousands of people dispute inaccurate or negative items on their credit reports.
They even offer a 90-day money-back guarantee for extra peace of mind while working to improve your credit.
Visit their website or call (855) 281-1510 to learn more.
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.
