I had an unsettled account from a large work bonus that AMS was appointed to collect. Desiree from AMS was my point of contact and was very easy to deal with. I had concerns over the initial contract term resulting in the debt and she provided me the documentation requested. She only had professional and appropriate communication. The AMS team listened to me as a human being and presented a few different repayment options. We agreed upon a repayment that worked for my situation. I am happy to have my situation settled. While AMS has a responsibility to collect they also have compassion and treat you with dignity. read more