Who is Americollect?
Americollect, Inc., self-proclaimed as the “Ridiculously Nice Collection Agency,” is a debt collection agency based in Manitowoc, Wisconsin. They specialize in helping businesses recoup money that’s owed to them. Americollect is known for its approach to collections, where they prioritize maintaining a positive relationship between the debtor and the original service provider.
If you see Americollect listed on your credit report as a collections account, it typically means you have an unpaid debt, often relating to medical bills, that has been transferred to them for collection.
Who does Americollect collect for?
Americollect primarily focuses on the healthcare industry, collecting medical debts on behalf of various healthcare providers. Their client base includes hospitals, dentists, chiropractors, and doctor’s offices. When patients are unable to pay their medical bills, these providers can hire Americollect to recover the funds.
Is Americollect legit or a scam?
Americollect is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect 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 Americollect 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.
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Americollect, Inc. Contact Information
Address:
Americollect, Inc.
1851 S Alverno Road
Manitowoc, WI 54220
Mailing address:
Americollect, Inc.
PO Box 1566
Manitowoc, WI 54221-1566
Phone number: (800) 838-0100
Should I contact or pay Americollect?
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 Credit reports can contain errors or list debts that are no longer valid.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 Americollect is to work with a credit repair professional. They help remove millions of negative items every year from companies like Americollect on behalf of their clients.
Will Americollect, Inc. sue me or garnish my wages?
Americollect can sue a debtor for unpaid debts. If they win the lawsuit, they might be able to obtain a court order to garnish your wages.
However, a lawsuit is often a last resort for many debt collection agencies and typically occurs when other attempts to collect the debt have failed. The decision to sue can depend on various factors, such as the size of the debt, the likelihood of recouping the debt through a lawsuit, and local laws and regulations.
Americollect Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a consumer debt collection agency, you should also 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 Americollect
Debt collectors must follow state and federal laws. For example, the FDCPA prohibits a debt collection agency from using abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Americollect 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.
- Americollect cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Americollect 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.
- Americollect cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Americollect From Your Credit Report Today!
Credit Saint offers assistance with disputing Americollect 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.
