How to Resolve Debt with AmSher Collection Services

AmSher Collection Services has been recovering debts for over 30 years. If they’ve contacted you, you have options.

You can handle AmSher Collection Services effectively with the right approach. Understanding your rights is the first step. Taking action is the second.

You can negotiate with AmSher to resolve your debt. Many consumers reach favorable agreements when they respond proactively.

What Is AmSher Collection Services?

AmSher Collection Services is a third-party debt collection agency. The company operates from Birmingham, Alabama.

AmSher also goes by AmSher Receivables Management or AmSher Compassionate Collections. They’ve been in business for over three decades.

Who Does AmSher Collect For?

AmSher works with creditors to collect unpaid debts. They either work on commission or purchase debts outright.

The agency focuses on several types of consumer debt:

• Credit card balances
• Auto loans
• Student loans
• Medical bills
• Personal loans

AmSher also handles commercial debt collection for businesses. Here’s how to reach them:

Address: 4524 Southlake Parkway, Suite 15, Birmingham, AL 35244-3271
Phone Number: (844) 227-4627
Website: www.amsher.com

How Does AmSher Collection Services Work?

Your original creditor hires AmSher after you miss several payments. AmSher receives your account information and begins outreach.

The agency will contact you by phone, email, or mail. They request payment of the outstanding balance.

Ignoring their contact attempts leads to escalation. AmSher may report the debt to credit bureaus if they haven’t already.

The agency may also pursue legal action against you. Your creditor pays AmSher a percentage of collected amounts.

AmSher Collection Services Reviews

Consumer experiences with AmSher vary based on online reviews. You can read feedback on several platforms:

• AmSher Collection Services reviews on Google
• AmSher Collection Services reviews on Better Business Bureau
• AmSher Collection Services reviews on the CFPB consumer database

Reviews show mixed experiences with the agency. Some consumers report positive outcomes when they communicate directly.

One borrower named Mariam shared her experience:

“I was sent to collections for a bill I never received. When I contacted Benson at Amsher Compassionate collection, he was willing to work with me. The process was quick and easy. The payment representative was also professional and understanding. My issue is resolved and I am very thankful.”

Many consumers successfully resolve their debts through open communication. AmSher collectors often work with you on payment arrangements.

You can negotiate with AmSher yourself or use our partner Solo to handle discussions professionally.

Your Rights When AmSher Contacts You

AmSher must follow federal law when collecting debts. The Fair Debt Collection Practices Act protects you from abusive practices.

Debt collectors cannot engage in certain behaviors:

• Calling you before 8 AM or after 9 PM
• Discussing your debt with family, friends, or coworkers
• Reporting inaccurate information to credit bureaus
• Threatening you with arrest or violence

Report violations to the Better Business Bureau immediately. You can also file complaints with the Consumer Financial Protection Bureau.

The Federal Trade Commission accepts complaints through their website. Your state attorney general’s office provides additional support.

How to Respond If AmSher Sues You

AmSher may file a lawsuit for unpaid debt. You can fight back with the right strategy.

Lawsuits are typically a last resort for collection agencies. You still have options even after being served.

Answer Each Claim in the Complaint

The lawsuit includes a complaint document with specific allegations. You must respond to each claim with one of three answers:

• Admit: You agree the claim is accurate
• Deny: You require AmSher to prove the allegation
• Deny for lack of knowledge: You cannot confirm without more information

Don’t admit to all allegations automatically. Force AmSher to prove their case by denying claims strategically.

Our partner Solo can help you draft an Answer document quickly.

Assert Your Affirmative Defenses

You can explain why you’re not liable for the debt. Common defenses include:

• The debt was already paid or canceled
• AmSher lacks legal standing to collect
• The debt amount is incorrect
• The statute of limitations has expired

Financial hardship alone is not a valid legal defense. Professional guidance helps you identify strong defenses for your situation.

File Your Answer and Serve AmSher

Timing is critical when responding to a lawsuit. Most states give you 14 to 30 days to file.

Make three copies of your Answer document. File one with the court that issued the summons.

Mail the second copy to AmSher’s attorney. Keep the third copy for your records.

Missing the deadline can result in a default judgment. The court will rule against you without hearing your side.

Settle Your Debt with AmSher Collection Services

Negotiating a settlement often costs less than the original debt. You avoid court proceedings and resolve the matter faster.

AmSher regularly accepts settlement offers from consumers. The agency prefers collecting something over nothing.

You can negotiate directly with AmSher by phone. Many consumers feel uncomfortable with this approach.

Digital settlement platforms offer an alternative solution. You can negotiate without phone calls or pressure tactics.

Settlement typically involves paying a lump sum for less than you owe. AmSher agrees to close the account as settled.

Get any settlement agreement in writing before making payment. The document should specify the settlement amount and terms.

Confirm that AmSher will report the debt as settled to credit bureaus. Request written confirmation after your payment clears.

Our partner Solo helps you negotiate settlements without phone calls or stress.