Amerifinancial Solutions Phone Harassment?
Is Amerifinancial Solutions (AFS) calling you? Stop Amerifinancial Solutions phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop AFS phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is Amerifinancial Solutions a Scam?
According to the Better Business Bureau website, Amerifinancial Solutions has been in business for 29 years. There have been 77 complaints filed against AFS with the BBB within the past 3 years.
Amerifinancial Solutions Better Business Bureau
Who is Amerifinancial Solutions Debt Collector?
Amerifinancial Solutions is third party debt collector located in Baltimore, Maryland. They specialize in collecting consumer debts, focusing on credit card and related financial obligations. They have been a party to over 50 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. Furthermore, a recent Federal Court cases alleges that Amerifinancial Solutions used illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
Address: PO Box 602570
Charlotte, NC 28260-2570
Phone: (800) 753-7100
Amerifinancial Solutions is often referred to or searched for by other names. These include:
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Amerifinancial Solutions Collection Agency Tactics
If Amerifinancial Solutions engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
Amerifinancial Solutions Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-753-7100, 800-945-7184, (800) 753-7100, (800) 945-7184, 8007537100, 8009457184
If the answer is yes, then you are receiving calls from a known AFS number. You may be a victim of AFS phone harassment. The list above is not all the numbers that AFS uses. The calls can be from a different number and it still be Amerifinancial Solutions calling you. Contact our office right away so we can start the process to stop AFS from calling you illegally. Above all, no one should live with harassment!
Protecting Your Credit Score When Dealing with Amerifinancial Solutions
When you discover that Amerifinancial Solutions, LLC (AFS) is listed on your credit report, it’s natural to feel concerned about the impact on your credit score. As a collection agency that specializes in recovering debt, AFS’s actions can influence your financial standing. That’s why it’s absolutely essential to understand your rights and take proactive steps to protect your credit.
The first thing to do when contacted by a debt collector like Amerifinancial Solutions is to respond promptly. Don’t ignore their calls or letters—timely communication is key. Request verification of the debt in writing. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to receive detailed information about the debt, including the original creditor and the exact amount owed. This verification process helps ensure that you are not paying a debt you don’t owe or falling victim to errors.
Once you receive the verification, carefully review the details. If you notice any discrepancies or believe the debt is not yours, you have the right to dispute it. Contact AFS directly to explain your concerns, and keep records of all your communications. If you feel that Amerifinancial Solutions is not following fair debt collection practices, you can file a complaint with the Better Business Bureau (BBB) or your state’s Attorney General office for further review.
If you decide to pay the debt, make sure you are using the official payment channels, such as the AFS website at www.payamerifinancial.com or www.payafs.com. Always confirm the amount and terms before making any payments. Remember, while paying off a debt can stop collection calls and prevent further negative marks, it may not immediately remove the collection account from your credit report. However, resolving the debt can still improve your credit profile over time.
Amerifinancial Solutions operates as a legitimate LLC and is required to adhere to both state and federal fair debt collection practices. As a consumer, you are absolutely entitled to fair treatment and transparency throughout the process. If you feel overwhelmed or unsure about how to proceed, consider reaching out to a credit specialist or a consumer rights attorney who can help you navigate your options and protect your financial future.
By staying informed, responding quickly, and insisting on proper verification, you can take control of your situation and minimize the impact of debt collection on your credit score.
Common Fair Debt Collection Practices Questions
Is AFS a scam? No, Amerifinancial Solutions has been in business for 29 years.
Can Amerifinancial Solutions garnish my wages? Yes, AFS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can AFS sue me? Yes, AFS can sue you so long as the debt is within the statute of limitations
Can AFS report my debt to the collections bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report
Can AFS arrest me? Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
The following is a sample list of complaints filed against Amerifinancial Solutions in the past year and can be found on Pacer.org.
2:19-cv-08447-MCA-LDW Lee v. Amerfinancial Solutions
0:16-cv-60466-JIC Alexandar v. Amerifinancial Solutions
8:18-cv-00156-HMH White v. AmeriFinancial Solutions
3:18-cv-00891-VAB DelSole v. Amerifinancial Solutions
1:17-cv-00588-GMS Weatherly v. AmeriFinancial Solutions
About Us LLC
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the Amerifinancial Solutions harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from Transworld, Inc. call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful and they were familiar with the Collection Agency’s in question and the harassment calls stopped, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially, I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
North Carolina Attorney General