At AMS, we go above and beyond to provide our clients with the most up-to-date information pertaining to compliance guidelines and regulations.

Bankruptcy and Death Certificates

AMS has procedures in place to insure all bankruptcy notices and death certificates submitted to AMS get forwarded directly to our client. It is then up to the client to determine whether or not the balance will be forgiven by the client due to the bankruptcy or death certificate. The balance with AMS remains on hold to avoid any additional resolution activity while AMS waits for the client’s response.

Typically, all debts are forgiven by our clients upon receipt of a death certificate, but in some cases our clients may request that AMS attempt to resolve the balance through the debtor’s estate.

In cases of bankruptcy, balances protected under the FDCPA are generally forgiven. However, court fines and tickets are not covered by the FDCPA and are not typically subject to bankruptcy forgiveness. Again, the final decision in these cases is made by the client.

Fair Debt Collection Practices Act (FDCPA)

The FDCPA covers debts from a purchase made for personal, family or household purposes. This could include money owed for a personal credit card, medical bills, utility accounts, mortgages and automobile loans. Debts incurred to run a business are not covered under the FDCPA, nor are balances owed for unpaid taxes, fines or tickets.

Oklahoma House Bill No. 1800

“An Act relating to municipal courts; authorizing municipalities to enter into certain contracts with collection agencies; authorizing collection fees.”

Red Flag Plan

AMS has an extensive plan in place to detect, prevent and mitigate identity theft and fraud and to protect the security, confidentiality and integrity of personal information in compliance with:

  • The Fair and Accurate Credit Transactions Act of 2003 (FACT Act or FACTA, Public Law 108-159)
  • 18 U. S. C. Sec. 2721 et seq., regulating the possession and usage of motor vehicle operator license records and enforcement regulations of the Federal Trade Commission issued pursuant to said motor vehicle statute
  • The Standards for Individually Identifiable Health Information promulgated by the Department of Heather and Human Services pursuant to Health Insurance Portability and Accountability Act of 1966, Public Law 104-191, or described in section 502(e) of Public Law 106-102 and chapters 181 and 773 of the Texas Health and Safety Code, as amended.

Resolution Letters

The resolution letters sent out by AMS on behalf of our clients were developed by a compliance team, including attorneys who specialize in debt collection laws and compliance with the federal Fair Debt Collection Practices Act and Section 5 of the Federal Trade Commission Act.

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