AmerAssist A/R Solutions 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.
AmerAssist A/R Solutions, Inc.(AmeriAssist) is a legitimate Accounts Receivables Management (ARM) company based in Ohio that specializes in third-party debt collection. AmerAssist has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and improper contact or sharing of information. If you have been contacted by AmerAssist, make sure you understand your rights before taking action.
According to its website, AmerAssist A/R Solutions, Inc.“is one of the most experienced collection and outsourcing organizations in the nation, serving credit grantors in a broad range of industries.” In 2018 alone, AmerAssist A/R Solutions, Inc. collected over $800,000,000 from debtors on behalf of over 10,000 credit granting clients.
AmerAssist A/R Solutions, Inc. employs a diverse array of strategies in furtherance of its debt collection efforts, including the use of skip-tracing to locate debtors, partnerships with medical technology providers, and a two-phase collection program that initially consists “of a series of high impact collection contacts, including an attorney demand, which directs payments to” AmerAssist A/R Solutions, Inc.’s clients. During the second phase, AmerAssist A/R Solutions, Inc. attempts to negotiate potential payments on debts where previous collection attempts had been unsuccessful.
AmerAssist A/R Solutuions, Inc. is affiliated with many professional associations. AmeriAssist A/R Solutions, Inc.’s compliance page indicates its adherence to high-tech information security standards. AmerAssist A/R Solutions, Inc. has also posted logos indicating compliance with the Fair Credit Reporting Act (FCRA), the Health Information Portability and Accountability Act (HIPAA), and the Fair Debt Collection Practices Act (FDCPA). However, AmerAssist A/R Solutions, Inc. does not provide a page with links and references to consumer protection resources, laws, and enforcement agencies.
AmerAssist A/R Solutions, Inc. specializes debt collection for a variety of industries, including healthcare, commercial business to business lenders, financial and insurance, retail, utilities, telecommunications, education, and more.
As a third-party debt collection agency, AmerAssist A/R Solutions, 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 AmerAssist A/R Solutions, 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 AmerAssist A/R Solutions, Inc. debt collectors.
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AmerAssist A/R Solutions, Inc. is not accredited by the Better Business Bureau (BBB), though it issued AmerAssist A/R Solutions, Inc. an “C-” rating. The BBB lists 20 complaints against AmerAssist A/R Solutions, Inc. in the past three years, only eight of which have been resolved. All of the complaints against AmerAssist A/R Solutions, Inc. alleged problems with billing and collections services. Since July 2014, the Consumer Financial Protection Bureau (CFPB) has received 78 complaints against AmerAssist A/R Solutions, Inc. 72 of these complaints contained allegations related to AmerAssist A/R Solutions, Inc.’s debt collection practices, while the remaining complaints alleged problems with credit reporting and consumer loans. In addition, Justia, one of the largest online legal databases in the United States, lists at least four federal cases of civil litigation involving AmerAssist A/R Solutions, Inc.
If you’ve been contacted by AmerAssist, 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…
Amerassist A/R Solutions could be calling for a number of reasons, all of them related to debt collection:
If you’ve been contacted by AmerAssist 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. Amerassist A/R Solutions 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 AmerAssist 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, Amerassist A/R Solutions cannot threaten you to garnish your wages and garnishment can only only occur if AmerAssistfiles 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. Amerassist A/R Solutions 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 AmerAssist 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. Amerassist A/R Solutions – or any other debt collection agency like AmerAssist 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 Amerassist A/R Solutions if you believe they 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 Amerassist A/R Solutions – 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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I was mislead into paying a lot of money with promises of services with the company they are helping to collect a debt for if I paid. So based on a dream that was sold to me by the employee with this company, I decided to pay because of their offer. Then was told because of their mistake, that I would get a refund or any services until balance paid in full. Which was not the agreement made before payment was made. Waited for the refund that never came, just to be told that I was not getting one. Now I am forced to continue making payments to these people because I don’t want to be out all the money I already paid. It is wrong to mislead people with lies just to get them to pay. Would advise phone records to be pulled so one may be able to hear the lies sold to me that I fell for. This company needs retraining not only for their employees, but for their supervisors too. They are not properly trained to handle this kind of business and do not listen to their customers, thus, talking over them while the customer is trying to talk. They have no customer service skills whatsoever! Something needs to be done about the personnel in this office. They will continue to lie to customers with promises they cannot keep. It was my choice to pay this debt or not, and I only started the payments, again, based on a lie that was told to me.