Recovery Management Solutions


Is Recovery Management Solutions hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is Recovery Management Solutions?

Recovery Management Solutions, LLC (RMS) is a debt collection agency, based in Cheektowaga, New York. They are a part of the receivables management industry, providing services to clients who are trying to recover funds from individuals who have defaulted on their payments.

If you notice their name on your credit report as a collections account, it usually indicates that you have an unpaid debt that has been passed on or sold to them by the original lender.

Who does Recovery Management Solutions collect for?

Recovery Management Solutions is particularly focused on the higher education sector. They primarily collect student loan debts, which can include unpaid tuition, fees, and loans associated with attending a college or university.

Is Recovery Management Solutions legit or a scam?

Recovery Management 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 Recovery Management Solutions 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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Recovery Management Solutions, LLC Contact Information


Recovery Management Solutions LLC
485 Cayuga Rd. Ste 402
Cheektowaga, NY 14225

Phone number: (888) 906-2259

Should I contact or pay Recovery Management Solutions, LLC?

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 a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like RMS on behalf of their clients.

Will Recovery Management Solutions, LLC sue me or garnish my wages?

Recovery Management Solutions, LLC has the legal right to take a variety of actions to recover unpaid debts. If you fail to resolve the debt or set up a payment plan, the company could potentially choose to sue you for the amount owed.

If the company sues you and the court issues a judgment against you, they may then be able to garnish your wages or levy your bank account, depending on the laws in your specific state.

Recovery Management Solutions, LLC Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, 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 Recovery Management Solutions, LLC

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 Recovery Management 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. They have 30 days to prove the debt is yours and the amount is accurate.
  • Recovery Management Solutions cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • Recovery Management Solutions 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.
  • Recovery Management Solutions cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Recovery Management Solutions From Your Credit Report Today!

Credit Saint can help you dispute Recovery Management Solutions 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.