🚨Receiving Amsher Debt Collection Harassment Calls?
Tired of getting Amsher Debt collection harassment calls? Amsher collections has the right to call you to discuss your debt, but they do not have the right to harass you. If you’re being harassed by Amsher collections, your rights have been violated and we can help you can stop them.
People fall into debt every day. It is nothing new, neither is it a cause for any alarm. If you’re in a debt, it is not the end of the world, there are a plethora of options available. Nevertheless, it is wise and necessary to plan your finances and create strategies that will give you room to be able to pay up the debt as soon as you are able to because being in debt has long-term and short-term effects, many of which are unpleasant.
One of the long-term effects of being in debt is its negative impact on your credit score. Debts are not good for your credit report. When you leave a debt unattended for a long time, it reduces your credit score and reduces your chances of getting access to loans and other social benefits in the future.
The short-term effect of being in debt is all the stress it comes along with, one of which is putting up with calls from debt collectors like Amsher collection services, and if your debt stays unpaid for too long, you may begin to experience amsher debt collection harassment.
Debt collectors are agencies hired by creditors and lenders to pursue their debtors. They also come into the picture when the first-part creditor wishes to transfer a debt that they have given up pursuing. Debt collectors like Amsher collection services also issue credit cards that they pursue payment on if you fall behind.
Amsher collection services inc. is legally allowed to contact you to discuss your debt but they are not allowed to do Amsher debt collection harassment. The activities of debt collectors are regulated by federal law, specifically the Fair Debt Collection Practices Act (FDCPA). According to the FDCPA debt collectors who harass or deceive a debtor should be penalized. If you are being harassed by a debt collector, call us now on 877-700-5790 to seek advice and immediate assistance. Legal assistance can help protect your rights under the FDCPA.
🛑Debt collectors.
If Amsher collection services inc is calling you about your debt, one way to get out of that debt is to negotiate with them. This is an advisable option if you have an income but do not earn enough to pay everything you owe at once. Amsher may not be willing to slash what you owe and allow you to pay a lower amount, they however may be willing to discuss better payment options and plans with you.
Before you proceed to negotiate with Amsher collections, it is important to first confirm if the debt is yours by making a debt validation request. If Amsher collection services sends you proof that the debt is yours, take a look at your credit report and figure out if the alleged debt is actually reported there. If it is, you may need to file a dispute if there are any inaccuracies.
When negotiating with Amsher debt collection, remember their goal is to maximize their return. Start your payment offers lower than your actual capacity to allow for negotiation. Crucially, understand your rights under the FDCPA. Be aware that Amsher Debt Collection Harassment is illegal. If they violate your rights through threats, harassment, or lies, you can pursue legal action or leverage these violations for better negotiation terms.
After agreeing on a payment plan with Amsher collection services inc., make sure it’s in writing and formal. This will prevent any future complications.
🔍How To Avoid Falling into Debt
Whether intentionally or not, we all fall into debt and more debt every day. Being one day late in paying or unable to pay a debt can be very uncomfortable. This can lead to situations where you might experience Amsher debt collection harassment. Sometimes you have already budgeted the incoming salary to pay off bills and other expenses before it’s even paid into the bank, therefore you may find yourself in more debt before the next salary and so the cycle goes on and never ends.
But can it really never end? Of course, it can and you can be free from debt, however a stitch in time always saves nine. Here are some tips to avoid falling into debt:
- If the Credit card says no, do not say yes: it’s safer to let go of items you want to purchase that you cannot afford with your credit card than paying cash. It saves you from running out of cash at hand.
- Have a fund trampoline: your income shouldn’t be consumed all at once. Keep a little, if not all of it, for at least the first 3-6 months of getting paid. You would have emergency funds so that if anything goes wrong you can fall back on it and bounce back in due time.
- Needs versus wants nobody is a saint when it comes to wanting stuff they do not necessarily need. You might not be able to cut down all wants, but spend on all needs first, then cut down on the wants. Do not let wants win the trophy, it would be more expensive.
- Have a budget bucket: some professionals call it a “scale of preference”. Do not feel funny making a budget list of all you would need, even if the lists “fill a bucket”. It is better to have a bucket full of budgets that you follow duly than a bucket full of debts that you cannot meet up with.
- The lesser the cards the lesser the spendings: you do not have to have as many credit cards. This will cut down on your spendings and bank charges.
- Keep track of old expenses: you would know how you have spent your income and keep track of all purchases for better management.
- The same temperature for bigger cakes: just like baking a small cake and a big cake would require around the same temperature to bake, so also it is with having an increase in your income. Your budget when the pay was less should be same, or at least only a little higher when the pay gets more, then you can save the rest. You did well on a low budget, you can still manage, except when necessary.
- Working around the block: you should not be idle and earning nothing. Even if not an office job finds how to fit in and make an income around your block. Needs are never completely met, there is always something to do.
- Pay your “baby” tax: as early as possible, pay your tax. Do not wait until you have worked for a long period of time or until your business “stabilizes”. Imagine not giving a baby milk until it turns one year. It wouldn’t even survive till then. So “feed” your tax before the debt becomes unbearable.
- Cut down on loaning: you might not be able to help it, but do not be a frequent and excessive loaner. Take reasonable loans with payable interest rates.
Trying to stay out of debt doesn’t mean being stingy and not taking good care of yourself, it is being discreet in your spending, and being able to manage your resources. If you have already fallen into debt, there is still hope to get up and out of it.
💡Who is Amsher Collections❓
Amsher Collections, a debt collection agency and third-party debt collector in Hoover, Alabama, has been involved in over 180 federal cases related to credit issuance and debt collection, raising concerns about potential Amsher Debt Collection Harassment.
📞Contact Information
Address: 4524 Southlake Pkwy STE 15 Hoover, AL 35244-3271 Phone: (205) 322-4110 Fax: (205) 251-0448
⚠️Is Amsher Collection a scam?
Amsher Collections has been in business since 1986. According to the Better Business Bureau website, there have been 68 complaints closed in the last 3 years and 27 complaints closed out in the last 12 months. If you are concerned about Amsher Debt Collection Harassment, please visit the Better Business Bureau website for more information.
📲Amsher Collection Phone Numbers
Are you receiving any harassing phone calls from any of these numbers?
800-955-7632, 205-251-9168, 205-271-8880, 205-313-2588, 205-313-2602, 205-313-2613, 205-322-4110, 866-732-1626, 205-313-2638, 800-741-7144, 205-313-2640, 844-384-1711, 877-322-9724, 855-754-1042, 855-754-1042, 205-994-6879, 877-322-9724
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.
📝Here are some sample complaints filed against Amsher Collection found on Pacer.gov.
1:19-cv-00823-TWP-MJD STEVENSON v. AMSHER COLLECTION SERVICES INC.
6:19-cv-00159-LSC Lawson v. Equifax Information Services LLC et al
1:18-cv-07436 Avina v. AmSher Collection Services, Inc.
2:18-cv-04850-GEKP BLACKWELL v. EQUIFAX INFORMATION SERVICES, LLC
2:18-cv-04200-ER DILLON v. TRANS UNION, LLC et al
🏛️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 reccomend 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.
