How to Resolve Debt with AmSher Collection Services

George Simons | February 13, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: AmSher Collection Services contacts consumers about unpaid debts on behalf of creditors. Engage proactively, know your rights, and explore settlement options to resolve your debt. Solo provides tools to help you with the process.

Recovering outstanding receivables with care & consistency for more than 30 years" is how AmSher Collection Services (ACS) describes their mission. Their goal is to assist businesses in recovering debts while maintaining a professional approach. If you've been contacted by ACS, understanding your options can help you engage with them effectively and find a resolution that works for everyone involved.

With the right information and documents, you can communicate proactively with ACS, exercise your rights, and potentially reach an agreement to settle your debt. Keep reading to learn more about ACS, how they operate, and the steps you can take to resolve your debt responsibly.

Settle debt with AmSher Collection Services

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

What is the AmSher Collection Services?

AmSher Collection Services, also referred to as AmSher Receivables management or AmSher Compassionate Collections, is an independent debt collection agency headquartered in Birmingham, Alabama.

Who does AmSher Collection Services collect for?

AmSher is a third-party debt collection agency. It works directly with the creditors or purchases the debt for a tiny fraction of the original amount. AmSher’s services generally focus on consumer debt collection on:

  • Credit card
  • Auto loans
  • Student loans
  • Medical bills
  • Personal loans

ACS also specializes in providing commercial debt collection services for companies with pending payments from other businesses. AmSher Collection Services’ contact information is as follows:

Address: 4524 Southlake Parkway, Suite 15, Birmingham, AL 35244-3271
Phone Number: (844) 227-4627
Website: www.amsher.com

How does ACS work?

When you miss making payments for several months, your creditor hires ACS to follow up on their behalf. Once AmSher receives your debt information, they will contact you via email, letter, or call to request the payment.

If you fail to respond, they will escalate their efforts and frustrate you with their attempts. If you further resist their efforts, they will enter your debt on your credit report (if they hadn’t already) and may also take legal action against you. In exchange for these services, your creditor pays ACS a percentage of the collected amount.

Read AmSher Collection Services reviews online

If you are looking for information about what consumers have said regarding their experience with AmSher Collection Services on an unpaid debt, then take a moment to read these reviews:

While AmSher Collection Services online reviews are pretty mixed, there are some reviews that indicate consumers can have a pleasant experience communicating with AmSher Collection Services to resolve debt. Let’s consider a real example from a borrower named Mariam:

“I was sent to collections for a bill I never received. When I contacted Benson @ Amsher Compassionate collection, he was willing to work with me and made the process quick and easy. The lady I also spoke to over the phone to make my payment was also very professional and understanding. My issue is resolved and I am very thankful.”

This review shows that AmSher Collection Services debt collectors are open to working with you to resolve your concerns and get your debt paid in a manner that works for you and your current financial situation. Communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Exercise your rights when AmSher Collection Services contacts you

Even though ACS has the legal right to follow up on its debt, it should exercise caution in carrying out the process. Many debt collectors go against the Fair Debt Collection Practices Act (FDCPA), which gives guidelines for conducting their business. In effect, FDCPA states that ACS should not:

  • Call you at odd hours of the day or night
  • Talk to loved ones, colleagues, or friends about your debt
  • Add a wrong debt to your credit report
  • Cause you fear or panic with threats of arrest

If ACS violates your consumer rights, submit a complaint to their BBB, CFPB, and Fair Trade Commission’s website. You can also visit your state’s attorney general's office to rep.

Learn more about your rights as a consumer from our guide on FDCPA Violations List.

Follow these steps to respond to a lawsuit against AmSher Collection Services

Taking consumers to court for a pending debt is often the last resort for most debt collection agencies. Do not despair if you’ve been sued by AmSher Collection Services. You can still beat ACS at this stage with the following steps:

1. Answer each claim listed in the Complaint

In the lawsuit, you'll see a complaint document that outlines the allegations ACS has made against you. The law allows you to answer in only three ways:

  • Admit: You agree the allegation ACS made against you is true.
  • Deny: You want ACS to prove that the allegation they made is true.
  • Deny for lack of knowledge: You cannot answer because you do not have enough information.

Do not admit to all the allegations, even if they are true. Let ACS prove they have a strong case by denying some claims.

SoloSuit can help you draft an Answer in minutes.

2. Assert your affirmative defenses

In this section, you can state why you are not responsible for the debt or the mistakes you believe ACS made while attempting to collect the debt. Some affirmative defenses you can use include:

  • You paid the debt in full, or it was canceled.
  • ACS did not show to have legal standing in collecting the debt for the creditor.
  • The debt amount is inaccurate.
  • The debt surpassed its statute of limitation.

Saying you do not have money is not a defense. Let SoloSuit assist you in writing your affirmative defenses by using our Answer document. Learn more about drafting an Answer in the following video.

Make the right defense the right way with SoloSuit.

3. File the Answer in court, and send a copy to AmSher Collection Services

You can make or break your case by failing to send the Answer in good time. Check with your state and ensure you send it within 14–30 days. Make three copies. Send one to the court, mail the second copy to the ACS lawyer, and keep the last copy in your records.

SoloSuit files for you.

Now, let's take a look at an example of how to beat AmSher Collection Services.

Settle your debt with AmSher Collection Services

Negotiating debt settlement with ACS is a good idea, especially if you want to avoid going through the stress and hassle of legal proceedings. If successful, you’ll pay the debt for less than the original amount.

SoloSettle, powered by SoloSuit, can help you settle your debts once and for all. As a tech-based approach to debt settlement, you can use SoloSettle to settle debt on your own by using its software to send and receive settlement offers until you reach an agreement with AmSher Collection Services.

Once an agreement is reached, SoloSettle helps you manage the settlement documentation that should be filed into your debt lawsuit case.

Plus, you won’t have to worry about your financial information being compromised, because SoloSettle will transfer your payment to the collector on your behalf, keeping your financial information private and safe.

To learn more about how to settle a debt with AmSher Collection Services, watch the following video:

Settle with SoloSettle

Make an Offer

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


Contents

Affordable Legal Help
Trustpilot

Respond to Your Debt Lawsuit

Get your professionally reviewed Answer in minutes. No expensive lawyers needed.

loading...
Get My Answer
Affordable Legal Help
Trustpilot

Respond to Your Debt Lawsuit

Get your professionally reviewed Answer in minutes. No expensive lawyers needed.

loading...
Get My Answer
loading...
Get My Answer