American Collection Services, Inc.: Who They Are and Your Rights

Type

Collection agency

Also known as

American Management Systems; Interactive Collection Technology

Headquarters

Oklahoma City, OK

Collects

healthcare bills, rental and property management balances, utility bills, telecommunications accounts, financial services accounts, commercial accounts

Phone numbers it lists

(405) 682-8088

Website

americancollectionservices.com

28 debt collection complaints were sent to the Consumer Financial Protection Bureau about American Collection Services, Inc. (OK, TX) from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is American Collection Services, Inc.?

American Collection Services, Inc. is a collection agency at 3100 SW 59th Street in Oklahoma City, Oklahoma. Its website calls it a "family-owned, full-service collection agency" that has served clients nationwide for more than 48 years, and says it relies on a digital-first approach with text messages, email and self-service payment tools alongside traditional collection.

The company is registered to collect in Texas. The Texas Secretary of State's bond records show an active bond, first filed in 1997, for "American Collection Services Inc dba American Management Systems dba Interactive Collection Technology" at the SW 59th Street address. So you may see either of those trade names on a letter. We did not find a CFPB enforcement action against American Collection Services.

Several unrelated companies use similar names, including American Collections Enterprise and other agencies called "ACS." Confirm the Oklahoma City address on your letter.

Why American Collection Services May Be Contacting You

The website lists six areas it collects in: healthcare, commercial (business-to-business), rental and property management, financial services, telecommunications, and utilities. For a consumer, that usually means a medical bill, a balance a former landlord says you owe, a final utility or phone bill, or a loan or other finance account. The agency's payment portal is linked from its site under "View Account/Pay Now."

How to Check a Debt American Collection Services Says You Owe

Each of these debt types leaves a different paper trail, so match the claim to your own records:

• Medical: compare the dates of service with your insurer's explanation of benefits, and ask the provider for an itemized bill.
• Rental: get the move-out statement, the lease and the security deposit accounting. Check that cleaning, repair and lease-break charges are allowed by the lease.
• Utility or phone: look at your final bill and confirm that any deposit was credited and the equipment you returned was recorded.

Then use your federal rights. The agency must send a validation notice naming the creditor, itemizing the balance and stating your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). A written dispute sent within that window stops collection until it mails verification. Ask, too, whether the original creditor still owns the account. Our guide to validation notices shows what each part means.

Finally, check how old the debt is. Texas generally gives a creditor four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers are barred from suing on time-barred consumer debt (Tex. Fin. Code § 392.307). Oklahoma and other states have their own limitation periods, so if the debt arose outside Texas, get advice on which applies.

What American Collection Services Can and Can't Do

An agency that collects debts owed to other businesses is a "debt collector" under 15 U.S.C. § 1692a(6), so the FDCPA governs American Collection Services when it collects consumer debts. Some specifics for the kinds of accounts it handles:

• Texts and emails must offer a simple way to opt out, and you can limit which channels it uses. See can debt collectors text or email me?
• Calls are capped at seven in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
• It may not report a disputed debt to the credit bureaus without noting that you dispute it, and medical collections face extra credit-reporting limits. See medical debt reporting changes.
• It may not add collection fees your lease, service agreement or state law does not allow.
• In Texas, it cannot garnish wages for an ordinary consumer debt (Tex. Const. art. XVI, § 28) and should not suggest it can.

If you have questions about how a collector treated you, contact our Texas FDCPA attorneys.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If American Collection Services, Inc. or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• American Collection Services: home page
• Texas Secretary of State: debt collector bond search (American Collection Services Inc dba American Management Systems dba Interactive Collection Technology)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: American Collection Services, Inc. (OK, TX), debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that American Collection Services, Inc. has violated any law. Company details change; tell us if something here is out of date.