Who is FMA Alliance?
FMA Alliance, Ltd. (FMA) is a debt collection agency based in Houston, Texas. Its role is to collect outstanding debts on behalf of various businesses or organizations.
If FMA Alliance appears on your credit report as a collections account, it suggests that you have a bill or debt that went unpaid and was subsequently handed over to FMA for collection.
Who does FMA Alliance collect for?
FMA Alliance has a specialized focus in certain areas of debt collection. They primarily deal with government-related debts and student loan collections. These could be unpaid student loans or debts owed to government entities. Additionally, they offer services to the finance and healthcare sectors, which could involve recovery of unpaid bills from hospitals or credit institutions.
Is FMA Alliance legit or a scam?
FMA Alliance is a legitimate debt collection agency. They operate within the legal frameworks governing debt collection and are authorized to collect on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove FMA Alliance from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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FMA Alliance, Ltd. Contact Information
Address:
FMA Alliance, Ltd.
12339 Cutten Rd
Houston, TX 77066
Phone number: (800) 955-5598 or (281) 931-5050
Should I contact or pay FMA Alliance, Ltd.?
Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with FMA Alliance is to work with a credit repair professional. They help remove millions of negative items every year from companies like FMA Alliance, Ltd. on behalf of their clients.
Will FMA Alliance, Ltd. sue me or garnish my wages?
FMA Alliance can file a lawsuit against debtors for non-payment of debts. If the court rules in their favor, the agency may be granted a judgment, which could potentially lead to wage garnishment, depending on your state’s laws.
However, it’s important to know that this is generally a last resort for debt collectors because it’s a complex and costly process. Moreover, most would prefer to set up a payment plan rather than go through legal proceedings.
FMA Alliance, Ltd. Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collector, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with FMA Alliance, Ltd.
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for FMA Alliance, Ltd. to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- FMA Alliance, Ltd. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- FMA Alliance, Ltd. must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- FMA Alliance, Ltd. cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove FMA Alliance Collections From Your Credit Report Today!
Credit Saint offers assistance with disputing FMA Alliance collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
