How to Beat AmSher Collection Services

Dena Standley | June 26, 2023

Edited by Hannah Locklear

“Recovering outstanding receivables with care & consistency for more than 30 years” is the slogan for AmSher Collection Services (ACS) on their website. But have they lived up to this promise? Many consumers don’t think and have formally complained about the methods ACS uses to collect their debt.

A consumer who doesn't know how to respond to ACS’s collection tactics will be frustrated and may even pay more than they owe. Beating debt collection agencies such as ACS is not complex as they make it sound when they contact you.

With the right information and documents, you can stop ACS’s calls, exercise your rights, reach an agreement, or settle your debt for less than you owe. Keep reading for more information on all these methods, but first, let's take a closer look at ACS, how it works, and the complaints raised against them.

What is the AmSher Collection Services, and how does it work?

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

AmSher is a third-party 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 ACS works

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.

AmSher Collection Services has received many complaints

AmSher Collection Services’ online ratings aren’t great. For example, on their Better Business Bureau page, ACS has received hundreds of complaints in the last three years. Further, the Consumer Financial Protection Bureau has listed more than 1,000 complaints against AmSher Collection Services.

These complaints involve incorrect credit reports, communicating with unprofessional representatives, failure to respond to a Debt Validation Letter, and inadequate customer support. The following is an example of a complaint against AmSher Collection Services, as listed on its BBB profile:

“I am disputing a debt of $59 that AmSher claims I owe from Spectrum. I have spoken to some unknown person twice and have been threatened that this will be on my credit report if I fail to pay. The first person I spoke with claimed the debt was for equipment that was not returned. The second person claimed the debt was for not returning the equipment within ten days. I asked for valid information on this debt but received nothing. I spoke with Spectrum and was told I owe nothing for unreturned equipment as everything was returned, and no bill ever went out for $59. They stated my last bill was paid in full on December 21, 2021, and I have a $0 balance. AmSher needs to resolve this immediately, and if this shows up on my credit report, I will seek legal action.”

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 also a proven way of beating them. 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:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
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• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
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• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
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• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

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Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
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• Chase
• Credit One Bank
• PayPal Synchrony Card
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• Target National Bank
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