Dena Standley | June 26, 2023
Edited by Hannah Locklear
Summary: AmSher Collection Services helps its clients collect their money from delinquent accounts. The process is unpleasant for most consumers, but there are ways to beat them at their game. You can stop their calls by sending a Debt Validation Letter. If you’ve been sued by AmSher Collection Services, SoloSuit can help you respond to the lawsuit. You can also settle for less than you owe to avoid going to court with the help of SoloSettle.
“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.
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:
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
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’ 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.”
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:
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.
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:
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:
Do not admit to all the allegations, even if they are true. Let ACS prove they have a strong case by denying some claims.
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:
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.
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.
Now, let's take a look at an example of how to beat AmSher Collection Services.
Example: Tina is being sued by AmSher Collection Services for nearly $3,000. She uses SoloSuit to draft and file an Answer in which she responds to all the claims against her and asserts her affirmative defenses. Filing an Answer buys Tina time to use SoloSettle to negotiate a debt settlement with AmSher. In the end, Tina settles the debt for $2,000. SoloSettle transfers her payment to AmSher for her, keeping her financial information safe and private.
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:
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.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now are are just look for support, we're here for you.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.
Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.
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