Amsher Debt Collection Harassment

If you’ve been receiving repeated calls from Amsher Collection Services, you’re likely searching for clarity. Many consumers want to know whether Amsher is legitimate, why they’re being contacted, whether the phone numbers are real, and what legal rights they have. This guide explains who Amsher is, who they collect for, what to do if you dispute the debt, and how federal law protects you from harassment.

Who Is AmSher Collection Services, Inc.?

AmSher Collection Services, Inc. is a third-party debt collection agency headquartered in Hoover, Alabama. The company has operated since 1986 and works on behalf of original creditors or debt buyers to recover past-due accounts. When creditors are unable to collect internally, they may assign or sell accounts to agencies like AmSher. In July 2025, AmSher Collection Services was acquired by InDebted, indicating potential organizational changes and new ownership structure

Address: 4524 Southlake Pkwy STE 15 Hoover, AL 35244-3271 Phone: (205) 322-4110 Fax: (205) 251-0448..

Who Does AmSher Collection Services Collect For?

AmSher collects for a range of industries, including:

• Telecommunications providers (including accounts reportedly linked to T-Mobile)

• Healthcare providers

• Utility companies

• Financial institutions

• Retail credit accounts

If you are unsure which company the debt relates to, you have the right to request written verification that identifies the original creditor, the amount owed, and proof that AmSher has authority to collect the account. This documentation helps prevent mistaken identity issues and payment on inaccurate debts.

Is Amsher Collection a scam?

No, Amsher Collection Services is not a scam. The company has operated since 1986 as a legitimate third-party debt collector. According to the Better Business Bureau, 68 complaints were closed in the past three years, including 27 in the last 12 months. Public records reflect disputes involving debt validation and credit reporting accuracy.

Although Amsher is a lawful agency, you have the right under the Fair Debt Collection Practices Act (FDCPA) to request written debt validation before making any payment.

Amsher Collection Phone Numbers

Are you receiving any harassing phone calls from any of these numbers?

If so, you may be a victim of Amsher debt collection harassment. Call us now on 877-700-5790. Debt collectors often try to collect payments using aggressive or illegal tactics.

Why Is AmSher Calling Me?

If AmSher is contacting you, it generally means an account has been flagged as delinquent. This could involve a telecommunications bill, medical account, utility balance, or financial service obligation. In some cases, consumers are contacted regarding debts they do not immediately recognize, which is why verification is critical before making payment arrangements.

AmSher Reviews and Consumer Complaints

Searches for “AmSher reviews” often relate to consumer experiences with collection practices. Like many debt collectors, AmSher has received complaints involving frequent phone calls, disputes over account accuracy, and credit reporting concerns. Collection agencies commonly appear in consumer complaints databases due to the nature of their work.

Debt collectors are regulated under the federal statute known as the:

How Does Federal Law Protect?

The FDCPA establishes boundaries on how third-party collectors may communicate with consumers. Violations can include harassment, deceptive statements, misrepresentation of legal status, or improper third-party contact. Understanding these protections is essential if you believe your rights have been violated.

What Counts as Harassment Under Federal Law?

Harassment under the FDCPA is defined by conduct intended to abuse, oppress, or intimidate a consumer. This may include repeated calls designed to annoy, use of profane language, threats of arrest, false claims about lawsuits, or contacting relatives or employers about your debt. Calls made before 8 a.m. or after 9 p.m. in your local time zone may also violate the law.

Not every collection call is illegal, but patterns of aggressive or misleading conduct can cross the line into actionable violations. Documentation of call frequency, voicemail messages, and written correspondence can be important if legal action becomes necessary.

Can AmSher Sue Me or Garnish My Wages?

AmSher, like any collection agency, has the legal ability to file a lawsuit if the debt is within the statute of limitations and proper procedures are followed. If a court enters a judgment against a consumer, wage garnishment or bank account levies may become possible depending on state law.

However, lawsuits are not automatic, and consumers have the right to respond, demand proof, and present defenses. Ignoring court documents can result in a default judgment, which is why responding promptly is critical. If you are served with legal papers, you should consider consulting a consumer protection attorney to understand your options.

How to Dispute AmSher Collection Services

If you do not recognize the account or believe the amount is incorrect, you have the right to dispute the debt in writing within 30 days of receiving the initial notice. Once a dispute is submitted, the collector must pause collection efforts until verification is provided.

You should request documentation identifying the original creditor, a breakdown of the balance, and proof of assignment or ownership. If the account appears on your credit report inaccurately, you may file disputes directly with:

• Equifax

• Experian

• TransUnion

Credit reporting agencies are required to investigate disputed information and correct inaccuracies.

How to Stop AmSher Collection Calls

Under the FDCPA, consumers may send a written cease-and-desist letter requesting that collection communications stop. After receiving such notice, a collector may only contact you to confirm they will cease communication or notify you of specific legal action.

Keep in mind that stopping communication does not eliminate the debt itself, but it may provide relief from repeated calls. If calls continue after proper notice, it may strengthen a potential claim for violations of federal law.

How We Handle Cases Involving AmSher Collection Services

When consumers contact our firm regarding collection activity by AmSher Collection Services, Inc., we begin with a detailed review of all communications, including call logs, voicemails, letters, and credit reports. Our legal team evaluates whether the conduct violates federal protections under the Fair Debt Collection Practices Act (FDCPA) or other applicable consumer protection laws.

We also examine publicly filed federal cases to understand patterns of alleged misconduct. Examples of cases filed in federal court include:

• Stevenson v. AmSher Collection Services Inc. (1:19-cv-00823-TWP-MJD)

• Lawson v. Equifax Information Services LLC et al (6:19-cv-00159-LSC)

• Avina v. AmSher Collection Services, Inc. (1:18-cv-07436)

• Blackwell v. Equifax Information Services LLC (2:18-cv-04850-GEKP)

• Dillon v. TransUnion LLC et al (2:18-cv-04200-ER)

By analyzing court filings, credit reporting records, and collection practices, we determine whether our clients may be entitled to statutory damages, correction of inaccurate credit reporting, or other legal remedies. Our goal is to stop unlawful collection activity, protect your credit profile, and hold collectors accountable when they cross legal boundaries.

CONSUMER RIGHTS LAW FIRM, PLLC

Consumer Rights Law Firm PLLC is a law firm that helps clients who are facing Amsher debt collection harassment. If you think your debt collection rights are being violated, contact our office to start the process of stopping Amsher Debt Collection harassment you are receiving from Amsher Collection. Our office has been helping consumers since 2010 and has an A+ rating with the Better Business Bureau.

Success Stories

• This firm will not disappoint! Scott does not sleep, I’m convinced of it. You can text/call about the issues you’re facing and you will always get a quick response. They’re handling multiple cases with resolutions for me already. I was afraid to try thinking nothing would come of it or an attorney trying to sell pipe dreams, I was wrong. This is the one to try. They will stop the harassment.
• I reached out needing help. Scott contacted me right away and reassured me everything was going to be ok. And took care of all my worries. He was an amazing help and I’m grateful for his service. And they guaranteed I would not have to pay a dime. Very thankful.
• Absolutely incredible law firm to work with. Matthew took care of everything, and was fully equipped even though he said it was a case he had never seen before. couldn’t recommend them enough

FAQs

Who is Amsher Collection Services and why are they calling me?

Amsher Collection Services is a third-party debt collector founded in 1986, licensed in Alabama, that contacts consumers on behalf of creditors or after purchasing debt, if they’re calling, they believe you owe a debt that’s past-due.

Is Amsher a legitimate debt collector or a scam?

Yes, Amsher Collection Services is a legitimate, BBB-accredited debt collection company but if you’re unsure, always request written validation to confirm the debt and ownership before paying.

What is considered harassment by Amsher under the law?

Harassment includes repeated phone calls intended to annoy you, use of profanity, threats of arrest or legal action, or contacting third parties about your debt, all of which are illegal under the FDCPA.

What should I do if Amsher keeps calling me?

Document each call’s date/time and content, send a written cease-and-desist or debt validation request, and if calls continue, file complaints with the CFPB, FTC, BBB, or your state Attorney General.

Can Amsher Collection Services sue me or garnish my wages?

Yes, they may sue you but only after notifying you and filing in court. If they obtain a judgment, they can garnish wages or bank accounts. You have the right to defend yourself in court.

Can Amsher report a debt to my credit report?

Yes, Amsher may report a debt to credit bureaus, which can harm your credit score. You can dispute inaccurate listings and, under federal law, they must correct any errors.

How do I get Amsher to stop contacting me?

Send them a written notice demanding they cease all contact under the FDCPA. From that point, they can only contact you to confirm receipt or notify about a lawsuit.

Can I sue Amsher for FDCPA violations?

Yes, you can sue for FDCPA violations like harassment, deceptive collection tactics, or reporting false debts. If you win, you may recover up to $1,000 plus actual damages and legal fees.

What if Amsher is collecting a debt I don’t recognize?

If you don’t recognize the debt, request written validation within 30 days. Contact the original creditor to confirm debt origin, and consider filing a fraud dispute if it’s not yours.