AmSher Collection Services on Your Credit Report? Fight Back and Win

Last Updated:
April 22, 2023

AmSher describes itself as a company that “provides specialized accounts receivable service from coast-to-coast.” 

AmSher is a debt collection agency that manages commercial and consumer collections. The service collects every sort of unsecured debt, including retail, utilities, phone, cable, health care, etc.

The company is currently led by Martin and David Sher (founders) and Seth DeForest (president). AmSher conducts its business under different aliases, including “AmSher Collection Services,” “AmSher Receivables Management,” and “AmSher Compassionate Collections.”

Is AmSher a legitimate company?

AmSher is not a scam company. It is a legit debt collection agency that is fully registered and regulated.

AmSher was founded and incorporated in 1986. The company has been recognized by the Better Business Bureau (BBB) since July 1986 and has consistently maintained an A or B rating.

Why is AmSher calling me?

If AmSher is calling you, it means a creditor has sold or consigned your debt to the company, and they are attempting to collect it from you.

When creditors cannot collect the amount owed to them, their bottom line suffers. Debt collection agencies like AmSher come in to help creditors recover those debts.

The creditors sell or consign the debts to AmSher, who then reach out to the debtors via mail or phone calls to demand payment.

AmSher calls for debt collection purposes. However, a phone call from AmSher isn’t always about your debt.

You could get calls from AmSher if your phone number was previously owned by the person who owes the debt.

AmSher could also call you to know the whereabouts of a family member or friend who owes the debt they’re trying to collect.

Are you dealing with harassment from AmSher?

AmSher is bound by the FDCPA (Fair Debt Collection Practices Act) and the FCRA (Fair Credit Reporting Act), which protect consumers from unfair and abusive debt collection tactics.

But customer reviews suggest that some of AmSher’s debt collection tactics border on harassment and violate consumer protection laws.

For example, there are many claims of AmSher spam-calling consumers. Also, some people accuse AmSher of talking to third parties about their debts, while others claim the company threatens them with lawsuits.

AmSher has the right to call you in attempts to collect your debt, but they do not have any right to harass you. Also, the FDCPA and FCRA provide a great deal of protection to consumers who know how to use them.

Who does AmSher collect for?

AmSher collects for companies and organizations across different sectors, including financial service, retail, healthcare, telecommunications, cable, utility, property management, and government collections.

Specifically, creditors that AmSher has collected for in recent years include:

  • T-Mobile
  • Children’s Hospital of Alabama
  • America Family Care
  • Synovus
  • Spire Energy
  • Dish Network
  • CenturyLink
  • BBVA Compass
  • Coca-Cola
  • City of Birmingham, Alabama

Why is AmSher on my credit report?

When your creditor sells or consigns your debt to AmSher, AmSher “takes the place” of your creditor. So, your credit report will show an “account” from AmSher.

When a creditor no longer wishes to collect money owed to them, they either sell the debts or consign them to debt collection agencies like AmSher.

It means AmSher takes the place of your creditor and works to collect the debt from you. Thus, instead of a credit account from your original creditor, your credit report will show a collections account from AmSher.

However, a collection account indicates a default on a previous obligation. It means your original creditor couldn’t recover the money you owed them and had to transfer the “troubles” of recovering the money to a debt collection agency.

Thus, having a collections account on your credit report hurts your score. Collections fall under payment history, which accounts for 35% of your credit score.

By pulling down your credit score, a collections account reduces your chances of getting approved for loans in the future.

Is negotiating a settlement with AmSher a good idea?

While settling your debt with AmSher may help your credit score, it could also go the other way and hurt your score. So, attempting to get a collections account off your credit report is better than negotiating a settlement with AmSher.

Paying off your debt with AmSher should not be your first solution to a collections account on your credit report. This is because even a closed account will remain on your credit report for many years and continue to affect your credit.

For example, a collections account will remain on your credit report for up to seven years. If you file for Chapter 7 bankruptcy, the account will remain for up to 10 years.

Because a collections account represents a defaulted debt, its presence on your credit report casts your payment history in a bad light and can influence lender decisions.

So, negotiating with AmSher to settle a collections account may not prevent it from hurting your credit for many years. The best thing to do is try removing the collections account from your credit report entirely.


  • AmSher is a legitimate debt collection agency.
  • When AmSher calls you, it’s likely your creditor has sold or consigned your debt to them, and they’re trying to collect it.
  • AmSher’s debt collection tactics often violate the Fair Debt Collection Practices Act and border on harassment.
  • AmSher will also leave a collections account on your credit report that may hurt your credit rating even when you settle it.
  • A credit management company can help remove collections from your credit report.

If you're being hounded by AmSher Collections or any other debt-collecting agency, don't panic. You have options, and you don't have to face this situation alone.

Let Fair Credit's team of experienced attorneys guide you through the process and help you regain control of your financial situation. With our personalized solutions and careful assessment of your case, we can help you restore your credit and get back on track.

Contact us now to request your free case review.

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