FMA Alliance, Ltd. is a debt collection agency based in Houston, Texas. If their name shows up on your credit report, it likely means you have an unpaid debt that’s been sent to them for collection.
Collection accounts can lower your credit score, so it’s important to deal with them quickly—whether the account is accurate or not.
Who Does FMA Alliance Collect For?
FMA Alliance primarily collects on debts related to:
- Government agencies – This often includes unpaid taxes, fines, or other obligations.
- Student loans – They work with lenders or servicers to collect overdue student loan balances.
- Healthcare providers – They handle unpaid medical bills for hospitals and clinics.
- Financial companies – Some accounts involve past-due loans or other financial obligations.
If you see FMA Alliance on your credit report and don’t recognize the debt, don’t panic. You have rights, and there are steps you can take to get the situation under control.
Is FMA Alliance Legitimate?
Yes, FMA Alliance is a legitimate debt collection agency. They are authorized to collect debts for their clients, but that doesn’t mean every account they report is valid. Always verify the debt before making any payments.
How to Remove FMA Alliance from Your Credit Report
A collections account can stay on your credit report for up to seven years, even if you pay it off. But there are ways to potentially remove it sooner:
- Dispute errors: Start by checking your credit report for mistakes. If the debt isn’t yours or the details are incorrect, dispute it with the credit bureaus.
- Request debt validation: You have the right to ask FMA Alliance to prove the debt is legitimate. If they can’t, they must stop reporting it.
- Negotiate a pay-for-delete: In some cases, you can offer to pay the debt in exchange for having the account removed from your credit report. Get any agreement in writing first.
- Work with a credit repair service: Professional credit repair companies can help you challenge inaccurate or unfair negative items.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay FMA Alliance?
Don’t rush to call or pay FMA Alliance until you’ve confirmed:
- The debt belongs to you
- The amount is correct
- The account is still legally collectible (debts have a statute of limitations that varies by state)
Be careful—making a payment on an old debt can reset the clock and hurt your credit further if handled the wrong way.
Many people find it easier to have a reputable credit repair company handle these situations.
Can FMA Alliance Sue You or Garnish Your Wages?
Yes, they can file a lawsuit if you ignore the debt. If they win the case, they could pursue wage garnishment, depending on state laws.
That said, lawsuits are usually a last resort. Most collection agencies would rather set up a payment plan than go through legal action.
FMA Alliance Contact Information
Address:
FMA Alliance, Ltd.
12339 Cutten Rd
Houston, TX 77066
Phone:
(800) 955-5598 or (281) 931-5050
FMA Alliance Complaints
Like many debt collectors, FMA Alliance has complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information
- Harassment or aggressive communication
- Refusing to verify the debt when asked
If you experience these issues, you can file a complaint with the CFPB or BBB. You also have legal protections under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA).
Your Rights When Dealing with FMA Alliance
Debt collectors must follow strict rules under federal law:
- They can’t report false or incomplete information.
- You have the right to request written proof of the debt within 30 days.
- They can’t harass you with constant calls, threats, or abusive language.
- They must clearly state they are a debt collector and the reason for contacting you.
- They can’t threaten to arrest you over unpaid debts.
Knowing your rights makes it easier to handle debt collection issues and protect your credit.
Get FMA Alliance Removed from Your Credit Report
If FMA Alliance is hurting your credit, and you need help, consider working with a trusted credit repair company like Credit Saint. They help thousands of people remove negative accounts from their credit reports every year—and they even offer a 90-day money-back guarantee for added peace of mind.
Ready to get started? Visit their website or call (855) 281-1510 to see how they can help.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
