Free Help to Stop AAMS Collections Harassment

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg


AAMS (Automated Accounts Management Services) is a debt collection agency which may have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.

What is AAMS?

AAMS is a debt collections agency based in West Des Moines, IA. It appears as though there are a variety of different complaints against AAMS alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as failing to remove paid off credit and falsely reporting credit. If a debt collector has contacted you, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

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The harassing company pays our fees.

Is AAMS a scam?

They’re legit. AAMS is a verified company. Because this collections company has been in business since 2001 and has received an “A+”, it can be confirmed that Associated Collectors is a real company. AAMS has also been accredited by the Better Business Bureau. The company additionally claims, that “The AAMS team recognizes our role in finding solutions for the financial challenges facing both patients and providers. We believe that the more we help individuals succeed, the more it will benefit our healthcare providers and communities.” However, many complaints feel as though AAMS may not have attempted to find a fair solution for the complainants, and may have violated the FDCPA

Additionally, Douglas B Clarke, President of this collections company, is cited as the business management of the company according to the BBB. Lastly, according to, AAMS has “9 total employees across all of its locations and generates $821,235 in sales (USD).”

Who does AAMS collect for?

AAMS explains on their website that, “AAMS has been providing collection and billing services exclusively for the healthcare industry since 2001, and specializes in managing second-placement accounts.” Therefore, the alleged debt that they may be contacting you about, likely comes from the area of medical collections. If you have been contacted by this collections company it would be wisest to attempt to verify said debt by contacting the collections company to attain details on your alleged debt. Acquiring this information is important because due to the outsourcing of debt, one collection account can turn into many reporting on your credit file if the debt is not dealt with.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. Lemberg Law received an A+ rating from the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against AAMS?

AAMS has received a number of complaints on the BBB. On the Better Business Bureau the collections company has received 15 complaints closed in the last 3 years and 4 complaints closed in the last 12 months, with 0 zero reviews. These complaints largely allege that AAMS may have violated collectors law and falsely reported debt.

It is possible that this collections company could have also been a part of a variety of lawsuits, sanctions, and penalties according to  Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket. Take a look at the link above to find out whether AAMS falls within this category.

Contact Information

  • Mailing Address: 4800 Mills Civic Pkwy Ste 202 West Des Moines, IA 50265-5265
  • Website:
  • Phone Number: (866) 429-8695

Can AAMS Sue Me or Garnish My Wages?

AAMS is unable to to make empty threats to sue you or garnish your wages, as this is illegal. However, this collections company can still choose to sue you or garnish your wages with valid reasoning. Ultimately, if the company has evidence to do so, they may choose to take action and garnish your wages after a default judgement. Therefore, it is wisest to contact an attorney preemptively the ensure that you are aware of your FDCPA rights and able to protect your assets. Lemberg Law awards consumers the power to fight back against these fraudulent collection practices. Need Help? Call us today.

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against AAMS?

Absolutely. You can sue a debt collector. Here is a sample complaint:

A complainant explains that AAMS reported debt to the credit reporting agencies that the complainant claims does not belong to them. The complainant claims that they have asked in writing for proof that the debt belongs to them, but the proof was never received. The debt is $1000 dollars and the complainant has asked a number of times to have a copy of the detailed billing sent to them. According to the complainant, they have given the company many opportunities to send verification of the alleged debt and they have failed to do so on every occasion. The complainant claims that they will not pay the debt until it is verified to be their own.

AAMS Calling You?

If you find that this debt collector is calling or harassing you, familiarize yourself with The Fair Debt Collection Practices Act, which outlines a person’s protections against the abuses and misconduct of collection agencies. You can find your FDCPA rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. It is important that if you find that a collections company violated your rights that you contact an attorney to receive aid and legal protection of your assets and rights. Additionally, The Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA) provide consumers with supplementary protection outside of the FDCPA.

Can I sue AAMS for harassment?

Yes you are able to sue. The wisest course of action would be to sue if you believe your FDCPA, TCPA or CFPA rights have been violated. Suing is the correct process to take when your legal rights have been breached. Because federal laws protect citizens like you from these fraudulent practices, you should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop AAMS Debt Collection Harassment Now?

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • A collector has called you in the early morning or late night
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • A collection company threatened you with negative credit reporting
  • A debt collector attempts to intimidate you
  • A collector accused you of criminal conduct
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“Lemberg Law resolved my case and I no longer receive harassing calls, the debt was resolved and I received payment for damages from the harassment. I would definitely suggest using them to help you fight any case you might have. They are friendly, professional and know what they are doing thank you so much…”

“I am extremely happy to have Sergei Lemberg as my attorney he handled my case in the utmost professional way. He kept me well informed of any and all dealings as did his staff which were just as professional as he was.”

“The Lemberg Law team has been an absolute pleasure to work with, and I’m so thankful that I was referred to you. I appreciate all of the work you have all done to accommodate me throughout this process, and I’ll definitely be putting in a word for you whenever anyone I know is looking for representation ! Thanks So much….”

Can You Help Me Delete AAMS from My Credit Report?

Yes, we would love to help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

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