The Law Office of Paul Mankin

Is the debt collection agency Amcol Systems harassing you?

Have you been contacted by Amcol Systems? Unsure of who they are or what they do? Being contacted by a debt collection agency can be extremely scary, and if you have been on the receiving end of a call from Amcol Systems, here are the things you need to know about them moving forward.

What is Amcol Systems?

Amcol Systems is listed as a debt collection agency that has been in service for many years. They work to help with self-pay debts, debt recovery, and insurance resolutions. They specialize in self-pay collection, bad debt recovery, insurance claims resolution, and revenue cycle solutions exclusively for the healthcare industry. 

Is Amcol Systems a legit debt collection agency?

Although they work in other facilities, they are a legitimate debt collection agency. According to the Better Business Bureau, they have been in business for 35 years, having been started in 1984 in South Carolina. Since then, they had their BBB file opened in 1986, and became accredited in 2013. They currently hold over 200 employees and have an A+ Rating with the BBB. However, they currently have 1 star out of 5 stars on their review, with one customer review made.

Amcol Systems Contact Information

Address: 111 Lancewood Rd Columbia, SC 29210-7523


Phone Number: 1-803-798-6370

Other Phone: 

Fax Number: 1-803-798-4966

Does Amcol Systems have complaints against them?

Amcol Systems currently has 3 customer complaints listed against them on the BBB database. They also have a single customer review on their database against Amcol Systems.

Amazingly, when searching for Amcol through the Consumer Financial Protection Bureau’s Consumer Complaint Database, there were over 490 complaints lodged against Amcol Systems. 

What kind of Complaints have been made?

The complaints lodged on the BBB database deal with attempts to collect on debts, and improper information used to try and elicit payments from consumers without their knowledge. All 3 of the complaints against Amcol Systems on the BBB are related to billing and collections.

The review given on the BBB website states that the Amcol representative was rude and abusive in terms of language used and questions asked.

Of the 490 complaints made against Amcol Systems on the CFPB’s CCD, the top three issues stated were debt collection attempts on invalid debts (119), continued attempts to collect on debts not owed (92), and misinformation or no written notification of debt (87). There are plenty of other issues, such as aggressive and negative language used to try to elicit payments, or threats to take legal action against the consumers.

Are the Practices of Amcol Systems Legal?

According to the Fair Debt Collections Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA), most, if not all, of Amcol Systems’ practices are considered harassment and predatory in nature. The FDCPA is a set of rules and guidelines specifically tailored to help consumers, such as yourself, be protected against harassment and aggressive practices from debt collectors. These include, but are not limited to:

  • Excessive and harassing phone calls and robocalls
  • Contacting family, friends, and your work
  • Aggressive and threatening legal action
  • Misguiding or misinformation given to consumers

Of these listed reasons, Amcol Systems has a complaint lodged against them for these very practices. As such, their tactics are not legal and violate the FDCPA.

How can I protect myself and fight back against Amcol Systems?

There are a few steps that you can take to help protect yourself against Amcol Systems. The first is to get verification of the debt before they attempt to contact you further. Verifying the debt ensures that they cannot try to swindle you out of your money or attempt to get more than what is originally owed. Verification can come in many forms, such as a letter stating the debt amount, as well as the original debt holder, and can also be done through getting an online verification number for an online database where the debt information is kept.

If they continue to harass you and threaten you, look towards hiring a knowledgeable and experienced debt collection harassment attorney to assist you against Amcol Systems. We here at the Law Office of Paul Mankin, APC, have an experienced roster of debt collection harassment attorneys that have dealt with multiple debt collection harassment cases. We can assist you in identifying and documenting their harassment, as well as getting them to stop their calls and letters and reporting them to the proper authorities.

Not only can we help you to defend against debt collection harassment, we can also help to build a case, and assist you in understanding where the illegal collection patterns are for debt collectors. We are also able to help facilitate any communications or discussions between the parties, ensuring that nothing you say can be used against you.

The most important bit of information in your fight is to always remain vigilant. No matter who you have at your side, it can seem like a daunting battle against such a large company and agency. If you have ever been the subject of:

  • Multiple calls per week from a third-party collection agency
  • Multiple calls in the early morning or late night from debt collectors.
  • Violent and belligerent language and harassment from debt collectors.
  • Threats of arrests or poor credit due to outstanding debts.
  • Having your friends, family, and coworkers harassed from debt collectors.
  • Automated robocalls from third party collection agencies.

Then you may have a case available. So do not wait, make sure to give us a call, and get started fighting back against the debt collection harassment.