How to Remove AAMS Collections From Your Credit Report

Who is AAMS Collections?

AAMS Collections, also known by the full name Automated Accounts Management Services, is a debt collection agency based in West Des Moines, Iowa. Their primary function is to recover debts that individuals owe to various businesses and organizations.

If you have an unpaid debt that has been transferred to AAMS Collections, their name might appear on your credit report as a collections account.

Who does AAMS Collections collect for?

AAMS Collections specializes in collecting medical debt, primarily serving clients in the healthcare industry. Medical debts could include unpaid hospital bills, costs for medical procedures, or other healthcare-related charges.

Is AAMS Collections legit or a scam?

AAMS Collections is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s essential to verify any debts they claim you owe before making any payments.

How can I remove AAMS Collections from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your credit report, you can start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

AAMS Collections Contact Information

Address:

Automated Accounts Management Services
4800 Mills Civic Pkwy Ste 202
West Des Moines, IA 50265

Phone number: (877) 770-5252 or (515) 225-0525

Should I contact or pay AAMS Collections?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with AAMS Collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like AAMS Collections on behalf of their clients.

Will AAMS Collections sue me or garnish my wages?

AAMS Collections is entitled to take legal steps, such as filing a lawsuit, to recover the money owed to them. If they win the lawsuit and secure a judgment against you, they may have the ability to garnish your wages or even levy your bank account, subject to the laws of your specific state.

However, lawsuits and wage garnishments are generally last-resort measures. Typically, a debt collector will attempt to collect the debt through other means, like phone calls, letters, or settlement offers, before resorting to legal action.

AAMS Collections Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with AAMS Collections

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for AAMS Collections to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• AAMS Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• AAMS Collections must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• AAMS Collections cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove AAMS Collections From Your Credit Report Today!

Credit Saint offers assistance with disputing AAMS Collections accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.