Who is AmeriFinancial Solutions?
AmeriFinancial Solutions, LLC (AFS) is a debt collection agency headquartered in Baltimore, Maryland. They operate with the primary goal of helping businesses recover the debts owed to them.
If you have unresolved debts, you may notice AmeriFinancial Solutions appearing on your credit report as a collections account.
Who does AmeriFinancial Solutions collect for?
AmeriFinancial Solutions primarily focuses on serving hospital-based physician groups. These groups usually encompass several medical practitioners who provide comprehensive care in hospitals.
Is AmeriFinancial Solutions legit or a scam?
AmeriFinancial Solutions is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove AmeriFinancial Solutions 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 report, 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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AmeriFinancial Solutions, LLC Contact Information
Mailing Address:
AmeriFinancial Solutions, LLC
P.O. Box 65018
Baltimore, MD 21264-5018
Phone number: (800) 753-7100
Should I contact or pay AmeriFinancial Solutions, LLC?
Before contacting a debt collector, 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 Credit reports can contain errors or list debts that are no longer valid.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 AmeriFinancial Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like AmeriFinancial Solutions, LLC on behalf of their clients.
Will AmeriFinancial Solutions, LLC sue me or garnish my wages?
Legal action and wage garnishment are serious measures that debt collection agencies like AmeriFinancial Solutions, LLC may resort to, but it’s important to understand that these are typically considered last resorts. Usually, they will first exhaust all other options, such as sending letters, making phone calls, and offering payment plans to encourage the debtor to settle the debt. The process of taking legal action can be lengthy and expensive for the collection agency.
If they decide to go this route, and they win the case, the court may allow them to garnish your wages to recover the debt. However, there are numerous factors that influence this decision, such as the size of the debt, your ability to pay, and your state’s laws.
AmeriFinancial Solutions, LLC 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 AmeriFinancial Solutions, LLC
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 AmeriFinancial Solutions 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.
- AmeriFinancial Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- AmeriFinancial Solutions must be honest about who they are and their purpose. They must notify you that they are a third-party collection agency both orally and in writing.
- AmeriFinancial Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove AmeriFinancial Solutions From Your Credit Report Today!
Credit Saint offers assistance with disputing AFS collection 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.
