FMS Financial Solutions

Is FMS Financial Solutions hurting your credit score?

Schedule a complimentary credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is FMS Financial Solutions?

FMS Financial Solutions is a debt collection agency based in Greenbelt, Maryland. They pursue debts on behalf of creditors.

If you see FMS Financial Solutions on your credit report, it means they are trying to collect a debt on a bill that you have not paid.

Who does FMS Financial Solutions collect for?

FMS Financial Solutions provides collection services across a variety of sectors, primarily focusing on medical, multifamily/real estate, and commercial/retail debts. They work with hospitals, clinics, real estate businesses, and commercial retailers to collect outstanding debts.

Is FMS Financial Solutions legit or a scam?

FMS Financial Solutions is a legitimate company. They are authorized to collect debts 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 FMS Financial Solutions from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.

Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

FMS Financial Solutions Contact Information


FMS Financial Solutions
9001 Edmonston Rd Suite 20
Greenbelt, MD 20770

Phone number: (800) 486-7677

Should I contact or pay FMS Financial Solutions?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

The most effective way to deal with FMS Financial Solutions is to work with a credit repair professional. They help remove millions of negative items every year from companies like FMS Financial Solutions on behalf of their clients.

Will FMS Financial Solutions sue me or garnish my wages?

FMS Financial Solutions, like any debt collection agency, has the legal ability to file a lawsuit against a debtor for an unpaid debt. If a lawsuit is filed and the court rules in favor of the agency, they could potentially garnish your wages or levy your bank account to recover the debt. The specific actions they can take will depend on the laws in your state.

However, taking legal action is often the last resort for most collection agencies. The process can be expensive and time-consuming, so these agencies typically prefer to work out a payment plan with the debtor first.

FMS Financial Solutions Complaints

Most collection agencies have numerous complaints filed against them 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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with FMS Financial Solutions

FMS Financial Solutions must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for FMS Financial Solutions 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • FMS Financial Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • FMS Financial Solutions must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • FMS Financial Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove FMS Financial Solutions From Your Credit Report Today!

Lexington Law can assist you in disputing FMS Financial Solutions collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.