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.)
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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 FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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!
Credit Saint can assist you in disputing FMS Financial Solutions collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
Ready to Repair Your Credit?
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