Quick Answer: Amsher Collection Services is a third-party debt collector headquartered in Birmingham, Alabama. They collect primarily for T-Mobile, AT&T, and Sprint. Their most commonly reported phone numbers include 800-500-7100 and 205-324-7100. Amsher has 456 complaints in the CFPB database; the leading category is attempting to collect debt not owed. A federal TCPA class action was filed against Amsher for automated calling violations.
If Amsher Collection Services is in your call log: Wireless and telecom billing disputes are a common source of incorrect collection attempts — disputed charges, plan changes, and unreturned equipment frequently reach collections before the original carrier resolves them. This page gives you the information to respond from a position of knowledge, not pressure.
| Company Detail | Information |
|---|---|
| Company Name | AmSher Collection Services, Inc. |
| Type | Third-party debt collector |
| Headquartered | Birmingham, Alabama |
| Primary Creditors | T-Mobile, AT&T, Sprint |
| Primary Phone | 800-500-7100 |
| CFPB Complaints | 456 filed with the Consumer Financial Protection Bureau |
| Federal Court Cases | TCPA class action on record (Schwyhart v. Amsher, 2016) |
| Governed By | Fair Debt Collection Practices Act (FDCPA) |
Amsher Collection Services is a debt collection agency — if they are calling you, a wireless or telecom provider has hired them to collect a bill they believe you owe.
Amsher’s most notable legal case is not an FDCPA suit but a Telephone Consumer Protection Act (TCPA) class action — meaning the complaint was specifically about how they were calling consumers, not just what they were collecting. If you have received repeated automated or robocalls from Amsher, that conduct itself may be legally actionable.
You landed here because someone is chasing you for money. That part does end — and what happens next is the part almost nobody writes about.
In the latest issue (Sep 16): The truck was $28,999 online. At the desk it’s $31,400. As of yesterday, the FTC says the ad was the lie.
I write Your Money Actually most weekdays — actionable money information you will not find anywhere else, and the small decisions that compound. It is free, I sell nothing, and I take no money from any company I write about.
Who Is Amsher Collection Services?
AmSher Collection Services, Inc. is a third-party debt collector headquartered in Birmingham, Alabama. They collect primarily on behalf of T-Mobile, AT&T, and Sprint for unpaid wireless and telecom accounts. Amsher is a third-party collector — they are hired by the original creditor to collect on their behalf, which means the original wireless provider retains ownership of the account throughout the collection process. Unlike a debt buyer, Amsher does not purchase portfolios. This matters because if you dispute the account, you are ultimately dealing with the original carrier’s billing records, not a purchased debt file.
Amsher Collection Services Phone Numbers
Amsher Collection Services uses multiple phone numbers when contacting consumers. If you received a call from any of the numbers below, it was Amsher — and the same legal rights apply regardless of which number appeared on your caller ID.
The Daily Money Brief — Free, at 10 AM
Money you may be owed, scams to dodge, and the fine print decoded — the consumer money news that affects your wallet, every weekday.
| Phone Number | Reported Use | Consumer Reports |
|---|---|---|
| 800-500-7100 | Primary collections line (national toll-free) | HIGH — CFPB complaints, 800notes.com, robocall databases |
| 205-324-7100 | Birmingham, AL main office line | HIGH — matches company headquarters area code (205) |
| 877-550-3530 | Secondary collections/support line | MEDIUM — consumer complaint sites, industry databases |
| 888-929-7100 | Automated IVR system | MEDIUM — consumer reports, phone lookup databases |
Why Is Amsher Collection Services Calling You?
- T-Mobile, AT&T, or Sprint referred your account to collections. Amsher’s primary clients are wireless carriers. If you have an outstanding or disputed balance with any of these carriers, Amsher may have been assigned the account.
- You may owe the account — or the carrier may have billing errors. CFPB complaints against Amsher include cases where consumers were current on their plan but Amsher was still attempting to collect a prior balance the carrier reported incorrectly.
- The account may not be yours. Amsher has CFPB complaints documenting attempts to collect in states where they lack collection licenses, and multiple cases where the consumer had no relationship with the company Amsher claims to be collecting for.
- They may have been using automated calling systems. A TCPA class action was filed against Amsher (Schwyhart v. Amsher, 2016) alleging the use of automated dialing systems and prerecorded messages. If you have received repeated automated calls, those calls themselves may be legally actionable.
A call from a debt collector is not proof you owe anything. It’s an opening position. Treat it like one.
What CFPB Complaints Reveal About Amsher Collection Services
The Consumer Financial Protection Bureau’s complaint database contains 456 consumer complaints referencing Amsher Collection Services. The most common categories:
Read Consumer Complaint Narratives (5 published accounts)
“I received a Payment Offer letter in the mail from AMSHER COLLECTION SERVICES INC with payment plan options for an alleged balance that is not mine and that I do not recognize. There is no information on this flyer that states how to dispute the alleged debt. This is the only mailing I ever received from AMSHER COLLECTION SERVICES INC. On XX/XX/2024, I requested verification of the alleged debt from AMSHER COLLECTION SERVICES INC. Specifically, I requested a copy of any signed agreements, account statements, and proof of assignment or purchase.”
“I have gone on a 3 way phone call with XXXX, myself and Amsher Collections and Amsher Collectors refuses to remove the collection efforts and XXXX has informed Amsher Collections that I am current. I have called Amsher Collections numerous times before the 3 way phone to let them know I was current but as of XX/XX/XXXX, they are still reporting to my credit reports that I owe them $300.00 for a prior XXXX bill which is inaccurate.”
“Amsher Collection Services for amount of $1400.00. I have sent Amsher Collection Services a debt validation and Amsher Collection Services has not responded to my validation and also has reported this to my credit reporting agency XXXX, XXXX and XXXX. This account does not belong to me.”
“I do not know AMSHER COLLECTION SERVICES. I do not have any contractual relationship with AMSHER COLLECTION SERVICES. I never signed any agreement with AMSHER COLLECTION SERVICES. I never consented for AMSHER COLLECTION SERVICES to share my personal information. I am demanding this entry be removed from my credit file immediately and all collection activity cease.”
“XXXX sold an alleged debt to Amsher Collection Services Inc. According to XXXX, Amsher Collection Services is not licensed to collect debt in New York State. My issue now is that Amsher Collection Services is attempting to illegally collect a debt from a state they are not licensed inside of.”
Source: CFPB Consumer Complaint Database. Narratives published only when the consumer provides consent. Personal information redacted by the CFPB.
Amsher Collection Services in Federal Court
Amsher Collection Services was named as the defendant in a federal TCPA class action in 2016, alleging that their automated calling practices violated federal telephone consumer protection law.
Schwyhart v. Amsher Collection Services, Inc. (N.D. Alabama, 2016): Jordan Schwyhart filed a class action against AmSher in the Northern District of Alabama, alleging violations of the Telephone Consumer Protection Act (47 U.S.C. § 227). The case alleged that Amsher used automated dialing systems and prerecorded messages to contact consumers — conduct that is restricted by federal law regardless of whether the underlying debt is valid. The court issued a published opinion on the class certification motion, indicating the case proceeded on the merits. TCPA violations carry statutory damages of $500 per call, or $1,500 per call if the violation is willful.
Court records are sourced from CourtListener, maintained by the Free Law Project.
What this means for you: If Amsher has called you using an automated system or prerecorded message without your prior express consent, that conduct may be a separate TCPA violation — independent of whether you owe the underlying debt. Keep a log of automated calls from Amsher, including the number, date, and whether the call was automated or live.
What To Do If Amsher Collection Services Is Calling You
- First, verify the wireless account is actually yours and that the balance reflects what the carrier actually billed you. Amsher collects for T-Mobile, AT&T, and Sprint — and wireless billing disputes are common. CFPB complaints document cases where consumers were current on their account but Amsher continued to report a prior balance that the original carrier had already resolved. Contact the carrier’s billing department directly, not Amsher, to confirm the account status before responding.
- Log every call Amsher makes — especially if the calls are automated or use prerecorded messages. The Schwyhart TCPA class action established that Amsher’s automated calling practices were challenged in federal court. Under the TCPA, using an autodialer to contact a consumer without prior express consent can trigger $500 to $1,500 per call in statutory damages. Date, time, whether the call used a prerecorded or automated message — all of this is evidence if Amsher’s calling conduct was improper.
- Request a debt validation notice in writing. Amsher is legally required to send you a written notice within 5 days of first contact. If they haven’t, demand one. You then have 30 days to dispute the debt in writing.
- Check your state’s statute of limitations and Amsher’s licensing status in your state. A CFPB complaint documents Amsher attempting to collect in New York State without a license. Verify that Amsher is licensed to collect in your state before responding to any collection demand. Check statute of limitations here.
- Send a cease-and-desist if you want calls to stop. A written request by certified mail legally requires them to stop contacting you (except to confirm receipt or advise of legal action).
- Document everything. Date, time, what they said, which number called. If they violate the FDCPA, each violation can be worth up to $1,000 plus attorney fees in federal court. TCPA violations have separate statutory damages.
For the complete guide: Your Rights When a Debt Collector Calls.
Your FDCPA rights in brief: Amsher Collection Services must stop collection if you send a written cease request by certified mail. You can demand written debt verification within 30 days of first contact. FDCPA violations can be sued in federal court for up to $1,000 plus attorney fees. Full rights breakdown here.
Key Takeaways
- Amsher Collection Services is a third-party debt collector based in Birmingham, Alabama
- Their primary known phone numbers are 800-500-7100 and 205-324-7100; also use 877-550-3530 and 888-929-7100
- They collect for T-Mobile, AT&T, and Sprint — wireless and telecom debt
- 456 CFPB complaints — the #1 issue is attempting to collect debt not owed
- A federal TCPA class action (Schwyhart, 2016) alleged automated calling violations — $500–$1,500 per call in statutory damages
- One CFPB complaint documents Amsher attempting to collect in a state without a collection license — verify licensing in your state
- Log every automated call and document everything before responding
Free Tool — Debt Collector Rights Lookup: Being contacted by a debt collector? The free Debt Collector Rights Lookup shows your state-specific protections — statute of limitations, garnishment limits, and what collectors are legally prohibited from doing. Look Up Your Rights →
Frequently Asked Questions About Amsher Collection Services
Who is Amsher Collection Services?
AmSher Collection Services, Inc. is a third-party debt collector headquartered in Birmingham, Alabama. They collect primarily on behalf of T-Mobile, AT&T, and Sprint for unpaid wireless and telecom accounts. Amsher is a third-party collector — the original wireless carrier retains ownership of the account throughout the collection process. They have 456 consumer complaints in the CFPB database and have been named in a federal TCPA class action for automated calling practices.
Is Amsher Collection Services a scam?
Amsher Collection Services is a legitimate, licensed debt collection agency, not a fraud operation. However, their 456 CFPB complaints include documented cases of attempting to collect accounts the consumer does not recognize, failing to respond to debt validation requests, and continuing to report accounts to credit bureaus after the original carrier confirmed the consumer was current. A federal court class action also challenged their automated calling practices. Being a legitimate company does not mean the amount they are claiming from you is correct.
Why is Amsher Collection Services calling me if I don’t recognize the debt?
Amsher collects for T-Mobile, AT&T, and Sprint. Wireless accounts frequently enter collections because of disputed charges — plan cancellation fees, equipment return credits that were never processed, and billing errors from the original carrier. CFPB complaints document cases where Amsher attempted to collect accounts that the original carrier had already resolved. Always contact the original carrier directly to verify whether the account was actually referred to Amsher and what the outstanding balance is.
Did Amsher Collection Services call me using automated or robocalls?
Amsher was the defendant in a federal TCPA class action — Schwyhart v. Amsher Collection Services (N.D. Alabama, 2016) — alleging they used automated dialing systems and prerecorded messages to contact consumers without proper consent. Under the Telephone Consumer Protection Act, using an autodialer to call a consumer’s cell phone without prior express written consent can result in $500 per call in statutory damages, or $1,500 if the violation is willful. If you received repeated automated calls from Amsher, document each one with the date, time, and phone number. This may be a separate legal claim from any underlying debt dispute.
How do I stop Amsher Collection Services from calling?
Send a written cease-and-desist letter by certified mail to AmSher Collection Services, Inc. at their Birmingham, Alabama office. Under the FDCPA, once they receive your written request they must stop contacting you, except to confirm receipt or inform you of specific legal action. Keep your certified mail receipt as proof of delivery. If you have also received automated calls, a separate revocation of consent under the TCPA may apply. Document the date you sent the cease-and-desist and monitor whether automated calls continue.
Can Amsher Collection Services sue me?
Yes, Amsher can file a lawsuit to collect within your state’s statute of limitations for wireless debt, typically 3 to 6 years depending on the state. One CFPB complaint documents Amsher attempting to collect in a state where they were not licensed — verify that Amsher is licensed in your state before assuming any demand they make is legally enforceable. If the debt is time-barred, they cannot win a judgment in court.
Should I pay Amsher Collection Services or negotiate?
Only pay after you have confirmed the account is valid, the amount is accurate, and Amsher is licensed to collect in your state. Contact the original wireless carrier — T-Mobile, AT&T, or Sprint — to verify they actually referred the account to Amsher and to confirm the outstanding balance after any credits. Amsher is a third-party collector and does not own the debt. If the charges are disputed, escalate the dispute to the original carrier first. If the debt is legitimate and within the statute of limitations, you may negotiate. Document all communications in writing.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
Dealing With Debt? Before you pay a collector, understand all your debt relief options — including ones the collector won’t tell you about. If the debt feels unmanageable, take the 2-minute bankruptcy quiz to see if the math favors a fresh start. Federal Reserve research shows filers recover faster than those who don’t file.
