Amcol Systems Inc debt collection agency is bound by the Fair Debt Collection Practices Act. Learn more about the company and how you can stop harassing debt collection calls.
Amcol Systems, Inc. is a legitimate third-party debt collection agency headquartered in Columbia, South Carolina.
According to its website, Amcol Systems, Inc.bills itself as a “nationally recognized leader in patient experience analytics and revenue cycle optimization, Amcol Systems, Inc. has been assisting hospitals, healthcare systems, and physician groups in the continuum of patient experience with management services for revenue cycle, accounts receivable and provider solutions since 1976.”
Amcol Systems, Inc. uses a solution-oriented approach to collections that minimizes exposure to healthcare providers. In support of its collection activities, Amcol Systems, Inc. employs a staff of extensively trained collections representatives who complete an intensive collector training course with a 90% or higher grade before they begin collecting on behalf of Amcol Systems, Inc. Amcol Systems, Inc. also boasts that it is “years ahead of the competition in the technology” it uses to collect debt and manage its client accounts. To that end, Amcol Systems, Inc. achieved certification in Professional Practice Management Software to more efficiently manage its collection practices.
Amcol Systems, Inc. specializes in providing collection services hospitals, health systems and physician groups nationwide.
As a third-party debt collection agency, Amcol Systems, Inc. is required to adhere to the Fair Debt Collection Practices Act (FDCPA), a federal law that protects consumers from abusive debt collection tactics. Nevertheless, consumers have filed complaints accusing Amcol Systems, Inc. of violating the FDCPA. Those accusations have included claims that the debt collection agency has threatened to sue consumers without actually intending to do so and talking to third parties about consumers’ debts. It’s imperative that you know your rights under the law before speaking with Amcol Systems, Inc. debt collectors.
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Amcol Systems, Inc. is accredited by the Better Business Bureau (BBB), which issued Amcol Systems, Inc. an “A+” rating. The BBB currently lists one complaint against Amcol Systems, Inc., though details about the allegations contained in that complaint were not available. Since July 2013, the Consumer Financial Protection Bureau (CFPB) has received an astonishing 478 complaints against Amcol Systems, Inc. 439 of these complaints contained allegations related to Amcol Systems, Inc.’s debt collection practices, while the remaining complaints contained allegations related to credit reporting. In addition, Justia, one of the largest online legal databases in the United States, lists at least five federal cases of civil litigation involving Amcol Systems, Inc.
If you’ve been contacted by Amcol Systems, you have the right to sue them in federal court if the debt collection agency has violated the Fair Debt Collection Practices Act. Signs that you may be on solid legal footing are:
The Fair Debt Collection Practices Act was put into law in order to protect consumers like you, but there’s a catch. While the government sues debt collection agencies that egregiously violate the law, it doesn’t sue agencies on behalf of individual consumers. Instead, the FDCPA has what’s called a fee-shifting provision. This means that, if you sue and win, then the debt collection agency has to pay your court costs and attorney fees. Fee-shifting levels the playing field so that you can assert your rights.
Are you asking yourself…
Amcol Systems could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by Amcol Systems it’s important to know your rights under the Fair Debt Collection Practices Act. If they’ve violated your rights, you can take the agency to court and sue for statutory damages of up to $1,000 – along with court costs and attorney fees.
Yes. Amcol Systems can sue you if you owe the debt, however, threatening to sue or serve you with papers if they don’t intend to do so is a violation of the Fair Debt Collection Practices Act. Additionally, after receiving the first collection notice, you have 30 days to dispute the debt. If you dispute the debt, then Amcol is required by the FDCPA to prove that you do, in fact, owe the money. A debt collection agency isn’t allowed to sue you if, for example, the debt is past the statute of limitations or if you do not legally owe the debt. It’s a good idea to speak with a fair debt attorney if you’ve been served with a summons or legal complaint.
Yes. However, Amcol Systems cannot threaten you to garnish your wages and garnishment can only only occur if Amcol files a lawsuit and obtains a judgment against you. It’s common for consumers to ignore notice of a lawsuit; if you don’t appear in court, the judge may automatically rule against you. Debt collection agencies have been known to avoid serving consumers with notice to increase the odds of obtaining a judgment. This is called “sewer service” or “gutter service.” The bottom line? If wage garnishment takes you by surprise, talk to a consumer attorney who can fight for your rights.
Yes. Amcol Systems can report debts in collection to the three major credit reporting agencies – Experian, TransUnion, and Equifax. Once a debt is reported to the credit bureaus, it will appear on your credit report and will impact your credit score.
Yes. However, as with wage garnishment, a property lien can only arise out of a court judgment against you. If Amcol files a lawsuit against you and the judge rules in their favor, then the debt collection agency has a right to collect that money. One way of doing that is by putting a lien on your house or property. That’s why it’s imperative to respond to legal papers and to have an attorney by your side who will fight on your behalf.
No. Amcol Systems – or any other debt collection agency like Amcol for that matter – has no authority whatsoever to arrest you. In fact, threatening you with arrest or jail is a violation of the Fair Debt Collection Practices Act. While so-called “debtors prisons” are illegal, only non-payment of things like traffic tickets can lead a judge to issue a bench warrant, which in turn can lead to arrest.
Yes. You absolutely have the right to sue Amcol Systems if you believe Amcol violated the Fair Debt Collection Practices Act. The FDCPA says that debt collection agencies that violate the law must pay consumers up to $1,000 in statutory damages, as well as court costs and attorney fees. That’s why engaging a fair debt attorney to represent you in an FDCPA lawsuit typically doesn’t cost you anything out of pocket. The attorney that agrees to take on your case knows that the debt collection agency will be forced to pay their fees.
If Amcol Systems – or any other debt collection agency – is calling you to the point of harassment, using abusive or profane language, or violating the FDCPA in some other way, it’s time to fight back. Under the law, you may be entitled to up to $1,000. At Lemberg Law, we won’t charge you a dime out of pocket, and we only get paid when you win. Call us today for a free, no-obligation, case evaluation. We’ll get the justice that you deserve.
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