AmSher was a Birmingham-area collection agency that served telecom, cable and medical clients. InDebted bought AmSher's assets in July 2025, and AmSher accounts moved to the InDebted name on February 21, 2026.
- Type
- Collection agency
- Also known as
- Amsher Collection Services, Inc.; AmSher; InDebted
- Collects
- telecommunications accounts, cable accounts, medical bills
- Phone numbers it lists
- (800) 955-7632
- Website
- indebted.co/amsher-is-indebted
2,141 debt collection complaints were sent to the Consumer Financial Protection Bureau about Amsher Collection Services, Inc. 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 AmSher Collection Services?
AmSher Collection Services, Inc. was an Alabama collection agency. A 2015 industry announcement of Seth DeForest's appointment as president, datelined Birmingham, described AmSher as serving the telecom, cable and medical industries. When InDebted announced its purchase of the company on July 10, 2025, it placed AmSher in Hoover, Alabama, a Birmingham suburb, and pointed to its "strong legacy" in telecommunications and cable.
According to InDebted, AmSher's assets were acquired on July 1, 2025, and AmSher "officially" transitioned to the InDebted brand on February 21, 2026. Complaints about AmSher appear in the CFPB database under the name Amsher Collection Services, Inc. For the company that now handles these accounts, see our InDebted profile.
Why AmSher May Be Contacting You
If you have an older AmSher letter, or a newer InDebted message that mentions AmSher, the account most likely comes from a wireless, landline, cable or internet provider, or from a medical provider. Typical telecom collection balances include a final month of service, early-termination charges and fees for equipment that wasn't returned.
InDebted's transition page says former AmSher customers can keep using the same online portal and debt reference number, that emails will now come from indebted.us and indebted.co, and that existing payment plans carry over automatically but will appear on bank statements as "InDebted." It lists (800) 955-7632 and [email protected] for questions.
How to Check a Debt AmSher Says You Owe
A change of collection agency name is a good moment to make sure you're paying the right party the right amount.
- Confirm that a message claiming to be about an AmSher account really comes from InDebted's published addresses and phone number before you pay.
- If this is a new collection, read the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34) and, within the dispute window it gives, send a written dispute if the balance or the account is wrong. Collection must stop until verification is provided.
- Ask which phone, cable or medical company the account came from and whether that company still owns it.
- For equipment charges, find your return receipt or tracking number; for medical bills, ask for an itemized statement and compare it with your insurer's explanation of benefits.
- If you made payments to AmSher, ask for a payment history showing they were credited after the transfer.
- Check timing: Texas generally allows four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Limitation periods elsewhere differ.
What AmSher Can and Can't Do
AmSher collected consumer accounts for others, which made it a "debt collector" under 15 U.S.C. § 1692a(6); InDebted is covered on the same basis. Points that matter for phone, cable and medical accounts:
- A collector can't claim you owe equipment fees or other charges that your service agreement doesn't authorize (15 U.S.C. § 1692f(1)).
- Paid medical collections, and those under $500, generally no longer appear on credit reports under the bureaus' policies; see the reporting changes.
- No more than seven calls in seven days on one account (12 C.F.R. § 1006.14(b)(2)), and every text or email must offer an opt-out.
- In Texas, wages can't be garnished for a phone, cable or medical bill.
If you think AmSher or InDebted crossed these lines, our FDCPA attorneys can review your records.
Government Actions on the Public Record
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 AmSher Collection Services 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
- InDebted: AmSher is now InDebted
- InDebted newsroom: InDebted acquires AmSher (July 10, 2025)
- insideARM: AmSher announces new president Seth DeForest (Dec. 8, 2015)
- CFPB Consumer Complaint Database: Amsher Collection Services, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that AmSher Collection Services has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.