Account Receivables Management Service or AAMS is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
AAMS Collections is a debt collections agency based in Des Moines, Idaho. It appears as though there are a variety of different complaints against AAMS Collections alleging violations of the Fair Debt Collection Practices Act (FDCPA), including a lack of response to debt verification requests and inaccurate credit reporting. If you have been contacted by this debt collector, make sure you understand your rights before taking action.
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Is AAMS a scam?
They’re legit. AAMS is a legitimate collections company, so do not ignore the need to resolve your debt. AAMS or Accounts Receivables Management Services was established in 2001 and was recently accredited by the BBB in February of 2020. The company is a small collections agency that has received an A+ rating on the Better Business Bureau. The company claims, according to their website, that they work singularly within healthcare collections and specifically work to manage second-placement accounts. AAMS writes that their main goal is to become one of the best and most efficient companies working in managing accounts receivable and that they pride themselves upon maintaining relationships with hospitals and large medical practices nationwide in order to gain trust and respect within the debt collection business. The company also notes, according to the AAMS website, that they are in full compliance with FDCPA, HIPAA, and GLB guidelines, though some complaints may argue to the contrary. AAMS itself has also reported that the business has a total of 9 total employees in all of its locations and earns $330,000 annually in sales.
Who does AAMS collect for?
AAMS Collections is a collections agency based in the Midwest that specializes in debt collection within the healthcare field. In other words, the debt which you may have been contacted about relates to outstanding payments from hospitals or healthcare practices and issues with medical billing. AAMS Collections uses a collections process called “the SecondChance Program” which essentially means that once a client’s primary agency runs out of potential ways to collect on debt, the client can re-list their accounts with AAMS to increase the chances of finding a solution to the collection discrepancy. AAMS argue that when clients pursue their services, they are likely to gain revenue and resolve these outstanding debts by taking an alternative approach.
The company also boasts of their professionalism on the “Our Philanthropy” tab of their website which explains that from the company’s perspective AAMS wants to “sustain” a client’s image while simultaneously refusing to use immoral or unethical collections practices. AAMS wants its clients to know that they will commit to maintaining a high degree of ethical standards in their collection pursuits. According to many complainants, this is not always the case
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. We are ranked A+ by 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?
Even as a small collections company, AAMS Collections has still racked up a multitude of complaints. In fact, while BBB.org rated the company with an “A+” and accredited the business, AAMS has still received 13 total complaints in the last 3 years, only one of which was closed in last 12 months. A majority of these complaints included complaints about lack of communication, false credit reporting, harassment, failing to validate debts, and missing documentation. While AAMS tends to be very responsive to these claims on the BBB website, there seems to be reoccurring complaints based upon allegations of fraudulent practices. Additionally, AAMS has received one, 1 star review on GoogleReviews as well as a 2.5 star rating on WalletHub.
Mailing Address: 4800 Mills Civic Pkwy Ste 202 West Des Moines, IA 50265
Phone number: (877) 770-5252 or (515) 225-0525
Can AAMS Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is likely that AAMS Collections may choose not to sue you for a debt you may not owe or they cannot verify. However, it is not uncommon for debt collection agencies to summon debtors to court and garnish wages after a default judgement. This is a situation which you should work to avoid. By contacting an attorney BEFORE this could possibly happen you are ensuring greater safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.
According to a complainant, AAMS Collections has “attempted to collect debt” from the complainant for weeks after it was already paid. The complainant “paid a bill to Grinnell Regional Medical Center on July 6th” and the company “claims to have received it on the 9th”. Later, on the 24th, the complainant received a call from AAMS stating that, “there was no payment on record” and the company insisted that they pay again. The company additionally argued that, “the website used to pay was not correct, even though, (according to the complainant) it obviously was, being that GRMC did in fact receive the payment. This complainant feels as though they have been falsely accused of withholding money and “made to worry that he/she had been scammed out of their money that was successfully paid”.
AAMS Calling You?
Protect yourself! Understand your rights when it comes to collections companies by familiarizing yourself with the Fair Debt Collection Practices Act, which outlines a person’s protections against the abuses and misconduct of collection agencies. These rights are listed on the Federal Trade Commission’s website under “Debt Collection FAQs”. Do not forget that you also have additional rights to protect yourself from fraudulent practices under the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue AAMS for harassment?
Yes, you can. If you would like to be able to recover your damages and protect yourself as an individual you ideally should. By utilizing the Federal laws which protect citizens like you from these fraudulent practices, you award yourself the ability to defend your rights and receive compensation. Suing is the correct course of action if you feel as though these rights have been breached. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.
“The Lemberg Law Firm is an Amazing group of lawyers and staff they filed a law suit on behalf of me and others and I didn’t have to do anything but sign one form! I received a settlement and within 3 weeks received a check which came right in time for Christmas and I am truly blessed! I would give this law firm a 10 star ?? rating!”
“I highly recommend Lemberg Law. They were professional, easy to work with, efficient, and true to their word.”
“A pleasure being represented by Lemberg Law LLC . I have used their services before with the same professional results. A well deserved 5 Star recommendation.”
“Thank you!!! Lemberg Law for making a dishonest creditor go away. Jody and her assistant Juliet and team were all very successful and professional. This was all done in a timely manner and couldn’t ask for anything more. I received more than what I could of asked for and am very pleased with my settlement.”
Can You Help Me Delete AAMS from My Credit Report?
Yes, we would love to assist you in your case. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.