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How to Resolve Debt With Amcol Systems

George Simons | February 01, 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: Being sued by a debt collector like Amcol Systems is a stressful situation to be in. Learn your rights and how to respond to the lawsuit. Also, learn how to effectively communicate with Amcol Systems to efficiently resolve your debt issue.

Are you being sued by Amcol Systems for an unpaid debt? If so, you might be feeling troubled by your coming court date. This is understandable, but you must stay calm and follow the proper steps to ensure the best outcome.

Any time you are facing legal ramifications from a debt collector, you have rights that you might not be aware of. Many people think that they have no recourse over such matters and simply give in.

As you will soon learn, you can proactively engage with companies like Amcol Systems to resolve your debt issue.

Settle debt with Amcol Systems

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

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What Is Amcol Systems?

Amcol Systems, also known as Amcol Systems, is a legitimate debt collection company operating out of Columbia, South Carolina.

Who does Amcol Systems collect for?

Amcol Systems specializes in collecting debt in South Carolina on behalf of hospitals, physicians, and other entities in the healthcare industry. Amcol Systems either purchases debt from the aforementioned groups directly, or those groups hire them after failed attempts to collect a debt from you.

If Amcol Systems is able to collect the outstanding debt from you, your original creditor will then pay Amcol Systems for their effort.

Check out online reviews of Amcol Systems

If you are seeking information about Amcol Systems and what other consumers have shared about their experience on debt collection matters, then take some time to check out these reviews:

Objectively, the online reviews of Amcol Systems are up and down (i.e., some positive, some negative). Nevertheless, one thing is for certain - people who proactively engage with Amcol Systems to negotiate a debt resolution have a higher probability of success in obtaining a reasonable settlement. The review from a consumer named Austin provides a prime example:

“Unlike all the reviews on here my experience dealing with AMCOL was amazing. Monica helped me out the whole time and helped me understand why I had a unpaid bill and made everything so easy! We set up a date to pay it also which was very convenient and she even put in a request to remove it from credit as well!”

Austin’s review highlights the fact that debt collectors with Amcol Systems are open to working with you to resolve your debt issue.

Nevertheless, if the idea of contacting a debt collector to negotiate a settlement sounds terrifying, then consider using SoloSettle to negotiate online and resolve your debt through the digital settlement platform

How to settle your debt with Amcol Systems

It is important to keep in mind that the objective of Amcol Systems is to collect on, and close, the accounts assigned to the debt collector. This is why many debt collectors are willing to help you get back on track, especially if your account is in pre-collection status. If you owe a large debt, the debt collector may be amenable to a payment plan or a lump sum payoff as an option.

You can negotiate on your own, but dealing with a trained debt collector, especially one who uses intimidating legal tactics, is stressful. But if you use SoloSettle, you can be sure that all the necessary legal language is included in your offers. SoloSettle's software sends and receives debt settlement offers until an agreement is reached between you and Amcol Systems.

Check out the following video where we interview Yale Levy, a former debt collection attorney and president of the National Creditors Bar Associate, to learn more about how you can settle your debt with Amcol Systems:

Let's turn our attention to how this can be done so you're better prepared to face your creditor at your hearing.

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Ask Amcol Systems for proof of your debt

The first thing you need to do is request that Amcol Systems send you documentation of the debt in question. If everything works in your favor, this first step could end up being the only step and could seal your victory over Amcol Systems. Send a debt validation letter, which urges Amcol Systems to verify the debt and prove you owe it.

Whenever a debt collection company purchases debt from the original creditor, it's often in large bulk amounts. This allows the collection agency to get a bigger discount on the debt they are buying.

But in doing so, it sometimes means that the collection agency doesn't have the original healthcare bill with your signature on it. As such, requesting the original document from Amcol Systems could prove challenging for them, if not downright impossible.

Use SoloSuit to make the right affirmative defenses the right way.

Send Amcol Systems a required for production of documents

Depending on how Amcol received your debt, they may very well not be able to produce the original documentation with your signature on it. But to ensure this, you first need to send them a Request for Production of Documents.

It's important to send this request by certified mail so that you can prove that you did indeed ask for the original document. You should also send this information to the judge, as well, as it will show that you are denying the claim and taking the appropriate steps to absolve yourself.

If Amcol Systems can produce the original document, you might have no other recourse but to admit that the debt is yours and pay it. However, there's a very good chance that they won't, so it's important that you send this request.

What's more, it's not uncommon for debt collection agencies to try to get other people to pay debts that aren't don't belong to them. Sending a Request for Production of Documents will show the collection company that you know your rights and aren't going to be intimidated by their tactics.

In South Carolina, you have 30 days to send this request after being notified of the debt. After Amcol Systems receives your request, they then have 30 days to respond. If they do send you documentation in return, you should be able to tell whether it truly belongs to you.

Make the right defense the right way

It's important to know how to handle yourself in court. First of all, never miss your court date if your case goes the distance. Doing so is essentially the same as admitting that the debt is yours, and the judge will have no choice but to award victory to Amcol Systems.

If Amcol Systems is unable to produce the original documentation, there's a chance that they won't show up, whereby you will be the one awarded the victory. However, it's more likely that Amcol Systems will try to show other documentation instead.

The thing is, though, that they have to be able to produce the original unless you aren't on your toes and fall for their tactics in court. Many people make the mistake of admitting the debt is theirs after being shown every document but the original.

Don't let debt collectors intimidate you. Respond with Solo.

Consider hiring an attorney to prepare for your case

One of the best things you can do is to hire legal representation. Even if you believe that you are in the right, a qualified debt lawyer can help you stay on course throughout the legal proceedings.

If you are unable to afford an attorney, you will want to be 100% that you are capable of standing your ground in court. This means following the above steps to the letter so that you are armed and prepared.

If you're sure that you don't owe the debt in question, keep your cool, request to see the original signed medical bill, and don't accept anything to the contrary. If you play your cards right, you can walk out of your court hearing the winner and won't have to pay Amcol Systems.

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