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Settle Debt with Amerifinancial Solutions in 3 Steps

Sarah Edwards | February 14, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

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: AmeriFinancial Solutions is a medical debt collector, but that shouldn’t leave you in stitches. SoloSuit can help you settle your debt in just three easy steps: responding to a lawsuit, verifying your debt, and negotiating a lower settlement.

With so many bills piling up, you may have missed that last medical payment. Unfortunately, you’re now receiving phone calls from AmeriFinancial Solutions asking you to pay your debt. But there’s good news. By settling your debt, you can resolve the situation for less than you currently owe.

Settle with SoloSettle

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What is AmeriFinancial Solutions?

AmeriFinancial Solutions, LLC is a debt collection company that focuses on medical debt and specializes in hospital-based physician groups. If you’ve been contacted by AmeriFinancial Solutions, it’s because the company has purchased your debt from your healthcare provider or insurance company and is seeking to collect payment from you.

Is AmeriFinancial Solutions a scam?

Don’t ignore phone calls from AmeriFinancial Solutions. This is a legitimate debt collection company that’s been in operation since 1990.

While AmeriFinancial Solutions is not accredited by the Better Business Bureau (BBB), the BBB website doesn’t record a single customer complaint. Furthermore, only 45 complaints appear on the Consumer Financial Protection Bureau (CFPB) website.

How to contact AmeriFinancial Solutions

To contact the company, you can call AmeriFinancial Solutions’ phone number (800- 945-7184). However, this is not the only way to reach the company directly. In addition to calling the AmeriFinancial Solutions number, you can contact the company at its corporate office:

AmeriFinancial Solutions, LLC
P.O. Box 979
Reisterstown, MD 21136

Existing customers can additionally use AmeriFinancial Solutions’ payment gateway to submit payments, though you’ll want to work toward settling debt first.

Settle debt with AmeriFinancial Solutions in just 3 steps

If you’ve been contacted by AmeriFinancial Solutions, your best option is to seek to resolve your debt as quickly as possible. Here’s how to settle your debt in just three steps:

1. File an Answer to pending lawsuits

The first step may actually be the most crucial. If you don’t pay your debts right away, you could be faced with a debt collection lawsuit. And if you lose this lawsuit, the court can award AmeriFinancial Solutions the full debt amount, plus any legal fees or debt collection fees that they may be entitled to.

If you’ve been notified of a debt collection lawsuit, you’ll have to act fast by filing an Answer with the court. An Answer is your official response to the lawsuit that indicates your intention to fight the lawsuit in court.

While the deadline varies by jurisdiction, you can have as little as two weeks to file an Answer. Otherwise, the court can render a default judgment in favor of AmeriFinancial Solutions.

That’s why so many customers have turned to SoloSuit. By answering some basic questions, SoloSuit can help you draft an Answer that serves as your response to the lawsuit. SoloSuit can even file it on your behalf and have an attorney review the document for accuracy.

Start drafting your Answer today to respond to a lawsuit.

2. Determine that the debt is yours

Debt collectors will likely try to pressure you into admitting that the debt is yours or committing to an initial payment. Do not give in to this until AmeriFinancial Solutions can conclusively prove that the debt belongs to you.

AmeriFinancial Solutions must prove the:

  • Identity of the original creditor.
  • Evidence that ties you to the debt.
  • Date of the original debt.
  • Date of the last payment (if any).
  • Amount of debt remaining.

With medical debt, AmeriFinancial Solutions will also need to differentiate between what your insurance covers and what you may still owe.

SoloSuit can make it easy to verify your debt. By drafting and sending a Debt Settlement Letter, debt collectors like AmeriFinancial Solutions will have to back off until they can prove the debt belongs to you. If they can’t, you have a better chance of winning a lawsuit. Let’s take a look at how a Debt Validation Letter can work.

Example: Deborah hadn’t even known about her last medical bill until she got a phone call from AmeriFinancial Solutions. Not wanting to make a payment until she knew that the debt was real, she used SoloSuit to draft a Debt Validation Letter and sent it to AmeriFinancial. This made the company back off from the repeated phone calls until they could send a response. Once they did, Deborah knew what she was dealing with and could work toward a settlement solution.


Learn to make your own Debt Validation Letter in just two steps.

3. Negotiate with AmeriFinancial via SoloSettle

Once you determine that the debt is yours and that the number is accurate, you can figure out how much you’re willing to pay. It’s a good idea to begin by agreeing to pay 60% of the total amount.

In a perfect world, AmeriFinancial Solutions would accept this offer. But even if they don’t, you’ve opened up negotiations that will allow you to reach a reasonable settlement amount.

SoloSettle is a tool from SoloSuit that lets you negotiate a lower settlement without ever having to deal directly with debt collectors. Best of all is that you only pay once you reach a final settlement solution. As a result, you’ll settle your debt for less than you currently owe, saving time, money, and a lot of headaches.

Let SoloSettle make the settlement process pain-free.

To learn more about how to settle your debt, check out this video:

How long will I see AmeriFinancial Solutions on my credit report?

Once you settle with AmeriFinancial Solutions, you will likely see the company’s name disappear from your credit report. However, there may still be evidence of a debt settlement, which can negatively affect your credit.

The good news is that these sorts of blemishes disappear after no more than seven years. This is all the more reason to settle your debt as soon as possible so you can start rebuilding your credit.

Start the settlement process today

The sooner you start the settlement process, the sooner you can put AmeriFinancial Solutions in your rearview mirror. SoloSettle can help you every step of the way, providing you with the means to fight back against lawsuits and settle your debt once and for all.

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