Settle Debt with AmeriFinancial Solutions in 3 Steps
AmeriFinancial Solutions is a legitimate medical debt collector that has been operating since 1990. You can settle your debt by responding to any lawsuits, verifying the debt belongs to you, and negotiating a lower settlement amount. Professional help can make the process faster and increase your chances of a favorable outcome.
Answer Your LawsuitMedical bills can pile up fast. You missed a payment, and now AmeriFinancial Solutions is calling.
You have options. Settling your debt can resolve the situation for less than you owe.
Respond to AmeriFinancial Solutions Before the Deadline
You could have as little as two weeks to file an Answer to your lawsuit. Missing the deadline means an automatic loss and full debt collection. Get help drafting and filing your Answer today.
File Your Answer NowWhat is AmeriFinancial Solutions?
AmeriFinancial Solutions, LLC is a debt collection company focused on medical debt. The company specializes in hospital-based physician groups.
If AmeriFinancial Solutions contacted you, they purchased your debt from your healthcare provider. They now seek to collect payment directly from you.
Is AmeriFinancial Solutions a scam?
AmeriFinancial Solutions is legitimate. The company has been operating since 1990.
The Better Business Bureau shows zero customer complaints. Only 45 complaints appear on the Consumer Financial Protection Bureau website.
Don’t ignore their calls. They are a real debt collector with legal rights.
How to contact AmeriFinancial Solutions
You can call AmeriFinancial Solutions at 800-945-7184. You can also write to their corporate office:
AmeriFinancial Solutions, LLC
P.O. Box 979
Reisterstown, MD 21136
Existing customers can use their online payment gateway to submit payments. However, you should work toward settling your debt first.
Settle Debt with AmeriFinancial Solutions in 3 Steps
Your best option is to resolve your debt quickly. Here’s how to settle in three steps:
Step 1: File an Answer to pending lawsuits
This step is crucial if you’ve been sued. Without paying your debts immediately, AmeriFinancial Solutions can file a lawsuit against you.
If you lose this lawsuit, the court awards them the full amount. They can also collect legal fees and debt collection costs.
When you receive a lawsuit notice, you must file an Answer. An Answer is your official response to the lawsuit.
Deadlines vary by jurisdiction. You might have as little as two weeks to respond.
Miss the deadline, and the court renders a default judgment. AmeriFinancial Solutions wins automatically.
Our partner Solo can help you draft and file an Answer quickly. You answer basic questions, and the system creates your legal response.
An attorney can review your document for accuracy. The service handles filing on your behalf.
Step 2: Determine that the debt is yours
Debt collectors pressure you into admitting the debt belongs to you. They want you to commit to an initial payment.
Don’t give in until AmeriFinancial Solutions proves the debt is yours. They must provide concrete evidence.
AmeriFinancial Solutions must prove:
- The identity of the original creditor
- Evidence that ties you to the debt
- The date of the original debt
- The date of your last payment
- The amount of debt remaining
For medical debt, they must differentiate between insurance coverage and your responsibility. Medical billing can be complex and prone to errors.
You can send a Debt Validation Letter to verify your debt. Debt collectors must back off until they prove the debt belongs to you.
If they can’t provide proof, you have a better chance of winning. A Debt Validation Letter protects your rights under federal law.
Example: Deborah received a call from AmeriFinancial Solutions about a medical bill. She didn’t want to pay until she knew the debt was real. She sent a Debt Validation Letter that made the company stop calling. Once they provided proof, she could work toward a settlement solution.
Step 3: Negotiate a lower settlement amount
Once you verify the debt is accurate, determine how much you can pay. Begin by offering 60% of the total amount.
AmeriFinancial Solutions might not accept your first offer. However, you’ve opened negotiations that lead to a reasonable settlement.
Our partner Solo offers tools that let you negotiate without dealing directly with collectors. You only pay once you reach a final settlement.
You’ll settle your debt for less than you owe. You save time, money, and stress.
Professional negotiation increases your chances of a favorable settlement. Debt collectors expect negotiation and often accept lower amounts.
How Long Will AmeriFinancial Solutions Appear on Your Credit Report?
Once you settle with AmeriFinancial Solutions, their name typically disappears from your credit report. However, evidence of a debt settlement may remain.
Debt settlements can negatively affect your credit score. The impact lessens over time as the entry ages.
These blemishes disappear after seven years maximum. Settle your debt soon so you can start rebuilding your credit.
Starting the rebuilding process early gives you more time to recover. Your credit score improves as you establish positive payment history.
Start the Settlement Process Today
The sooner you begin settlement, the sooner you’re free from AmeriFinancial Solutions. Acting quickly protects you from escalating collection efforts.
You have the right to respond to lawsuits. You can verify your debt and negotiate a fair settlement.
Professional help makes the process easier. You don’t have to face debt collectors alone.