Southern Management Systems


Is Southern Management Systems hurting your credit score?

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

Who is Southern Management Systems?

Southern Management Systems, Inc. (SMS) is a debt collection agency located in Orlando, Florida. Their role involves recovering debts on behalf of various businesses.

If you find SMS listed on your credit report as a collections account, it indicates an outstanding debt that SMS is attempting to collect on.

Who does Southern Management Systems collect for?

Southern Management Systems provides debt collection services for property management companies of varying sizes across the country. They handle debts related to properties, likely including unpaid rents, damages, or other associated fees.

Is Southern Management Systems legit or a scam?

Southern Management Systems 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 Southern Management Systems from my credit report?

Southern Management Systems 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?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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.

Southern Management Systems, Inc. (SMS) Contact Information


Southern Management Systems, Inc.
625 Herndon Ave Ste C
Orlando, FL 32803

Mailing address:

Southern Management Systems, Inc.
PO Box 149966
Orlando, FL 32814

Phone number: (407) 895-7100

Should I contact or pay Southern Management Systems?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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

Will Southern Management Systems sue me or garnish my wages?

Southern Management Systems, Inc. (SMS) has the legal right to sue for unpaid debts. If they win the lawsuit and secure a judgment against you, they could potentially have the right to garnish your wages or levy your bank account, depending on the laws in your state or jurisdiction.

However, lawsuits are generally considered a last resort due to their costliness and time-consuming nature. Therefore, SMS will likely try to negotiate a payment plan or a settlement agreement with you first.

Southern Management Systems, Inc. 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 Southern Management Systems, Inc.

Debt collectors 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 Southern Management Systems 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.
  • Southern Management Systems, Inc. may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • Southern Management Systems 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.
  • Southern Management Systems cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove Southern Management Systems From Your Credit Report Today!

Credit Saint can assist you in disputing Southern Management Systems 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.

They have helped many people in your situation. Fill out the form on their website or give them a call at (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.