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Who is FMS Inc?

FMS, Inc. is a debt collection agency primarily based in Tulsa, Oklahoma, with an additional operational presence in Boise, Idaho. As a debt collector, they serve the role of pursuing unpaid debts on behalf of creditors.

You may see FMS Inc on your credit report under collection accounts if you have an outstanding bill that has not been paid and has been passed onto their agency.

Who does FMS Inc collect for?

FMS Inc specializes in the collection of healthcare-related debts. This includes bills incurred by hospitals, healthcare services, and physician groups.

Is FMS Inc legit or a scam?

FMS Inc 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 Inc from my credit report?

Collections can hurt your credit score and stay on your credit report for up to seven years, even if you pay them. Paying the collection might even lower your credit score.

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

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

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

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FMS, Inc. Contact Information


FMS, Inc.
4915 S Union Ave
Tulsa, OK 74107

FMS, Inc.
1551 11th Ave N Ste 150
Nampa, ID 83687

Phone number: (918) 747-4884

Should I contact or pay FMS Inc?

Before contacting a collection agency, 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 Credit reports can contain errors or list debts that are no longer valid.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 FMS Inc is to work with a professional credit repair company. They help remove millions of negative items every year from companies like FMS Inc on behalf of their clients.

Will FMS Inc sue me or garnish my wages?

If a debt goes unpaid and the collection efforts have been unsuccessful, FMS Inc, like other debt collection agencies, may choose to take legal action. This could potentially include filing a lawsuit against you in court to obtain a judgement for the outstanding debt.

If the court rules in favor of FMS Inc, the judgment might allow them to garnish your wages or levy your bank account, depending on your state’s laws.

FMS, Inc. 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, harassing phone calls, or failure to verify a debt. If FMS Inc 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with FMS Inc

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 FMS Inc 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.
  • FMS Inc cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • FMS Inc 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.
  • FMS Inc cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove FMS Collections From Your Credit Report Today!

Credit Saint can help you dispute FMS collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

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 or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.