What AmSher Collection Services does

AmSher Collection Services is a privately held, US-based third-party debt collection agency headquartered in Birmingham, Alabama. Founded in 1986, the firm provides services and solutions spanning the collections lifecycle — typically encompassing early-stage delinquency outreach, third-party recovery, charge-off placement, skip-tracing, and post-judgment collections on behalf of creditors across consumer credit verticals. The company operates with a headcount of 101-250 employees and functions as a contingency-fee agency, earning revenue primarily as a percentage of amounts recovered on placed accounts, a standard commercial model for US third-party debt buyers and collection agencies.

The underlying operating model relies on traditional agency workflows: account onboarding from creditor clients, debtor contact via voice and written channels, payment arrangement negotiation, dispute handling under FDCPA and state-level regulatory regimes, and remittance back to the creditor net of contingency fees. There is no public indication of proprietary technology platforms, APIs, or AI/ML-driven recovery tools native to AmSher; the available source material confirms no public API exists. Pricing, contingency rates, and creditor contract terms are not publicly disclosed.

Strategically, AmSher has been integrated into Indebted, an Australia-headquartered digital collections company, per Indebted's own corporate communications referencing the AmSher transition. This positions AmSher as the US operating arm of a multi-region digital collections platform, potentially giving it access to parent-level digital repayment portals, self-service channels, and cross-border placed-account sourcing. The firm's growth trajectory, customer concentration, and revenue scale cannot be precisely determined from available evidence, but its legacy operating base and acquisition by a digital-first parent suggest a transitional phase from traditional agency model to digitally enabled collections delivery.

Name

AmSher Collection Services

Website

https://amsher.com

Company type

Private

Founded year

1986

Headcount range

101–250 employees

Short description

AmSher Collection Services is a US third-party debt collection agency founded in 1986 in Birmingham, Alabama, providing recovery services across the collections lifecycle for consumer creditors. The firm operates on contingency-fee economics and has been integrated into Australia-based digital collections platform Indebted.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (561440)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Specialty & Regulated Collections (Medical, Student Loan, Government, HOA) (BPAAAEAJ)

akta.pro secondary industries

International & Cross-Border Collections (FSAKAJAO), Legal Collections Support (Pre-Lit, Litigation Admin, Judgment Recovery) (BPAAAEAH)

Keywords

• Debt collection services
• Credit recovery solutions
• Accounts receivable management
• Third-party collections
• Consumer debt recovery

Headquarters

HQ city

Birmingham

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Core offering

AmSher Collection Services is a debt collection agency that delivers a wide range of services and solutions across the entire collection lifecycle to resolve consumer credit obligations. The firm works with creditors to recover outstanding balances using third-party collection strategies tailored to delinquent accounts. Founded in 1986, it operates as a mid-sized agency (101–250 employees) headquartered in Birmingham, Alabama.

Differentiator

Problem solved

Functional benefit

Products and services

• Collection Lifecycle Services

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights3 records

Broad incumbents

• PRA Group (Portfolio Recovery Associates): One of the largest US-listed debt buyers and collection agencies with global operations. While significantly larger and capital-markets-driven, PRA competes for the same creditor placements and serves the same consumer base as AmSher across the full collection lifecycle.
• Encore Capital Group: Public global specialty finance company (parent of Midland Credit Management) and one of the largest US debt buyers/collectors. Overlaps with AmSher on creditor-facing third-party collection services and competes for placement mandates.
• EOS Solutions (Collecto Holding): European-headquartered debt collection and receivables management group with US operations through Collecto. Offers comparable B2B collection services to financial-services and telecom creditors, relevant as AmSher gains international reach via Indebted.

Emerging players

• Beyond Finance: Digital-first debt resolution and consolidation platform leveraging technology-driven negotiation. Represents the emerging fintech-led category that AmSher is being positioned against (and absorbed into via Indebted) — relevant as a competitive alternative to traditional agencies.

Direct peers

• National Credit Systems: Mid-sized US debt collection agency with similar geographic and revenue profile to AmSher, serving financial, healthcare, government, and utility creditors. Direct competitor for similar placement volumes.
• Cawley & Company: US-based commercial and consumer collection agency of similar size and geography to AmSher. Comparable service offerings across commercial collections, debt recovery, and skip tracing make it a direct mid-market competitor.
• IC System: St. Paul, MN-based third-party debt collection agency serving healthcare, retail, financial, and government creditors across the US. Closely comparable mid-sized agency competitor offering a similar full-lifecycle recovery service to AmSher.
• Windham Professionals: US-based collection and recovery services firm focused on student loan, healthcare, and government receivables. Comparable regulated-vertical focus and mid-market positioning to AmSher's stated 'wide range of services.'
• Transworld Systems: US-based collection agency and outsourced business services provider serving small businesses and creditors nationwide. Comparable service mix across the collection lifecycle and similar focus on contingency-based recovery, making it a direct competitive peer.

Others

• Indebted: Australian-headquartered AI-driven collections platform that has absorbed AmSher (per https://www.indebted.co/en-us/amsher-is-indebted/). Included as an adjacent/parent context — not a direct competitor but a strategic owner that defines AmSher's go-forward market positioning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AmSher Collection Services