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Who Is DiRecManagement?
DiRecManagement, Inc. (DMI) is a third-party debt collection agency based in the Mobile, Alabama area, operating since 1997. It collects debts nationwide, primarily in healthcare but also in retail and commercial accounts, and offers services like skip tracing, early-out programs, and litigation support for creditors.
The company has experienced leadership and legal oversight, but consumer complaints often involve issues such as repeated calls, workplace contact, and disputes over unverified debts.
| Detail | Information |
|---|---|
| Full Legal Name | DiRecManagement, Inc. |
| Also Known As | DMI; previously Diversified Receivables Management, Inc. |
| Headquarters | 9830 Howells Ferry Rd, Semmes, AL 36575-6874 |
| Mailing Address | PO Box 16243, Mobile, AL 36616-0243 |
| Former Address | 4320 Downtowner Loop South, Suite A, Mobile, AL 36609 |
| Founded | April 1, 1997 (as Diversified Receivables Management, Inc.) |
| Renamed | 2001 (became DiRecManagement, Inc.) |
| Years in Business | 29 years |
| President | Stephen Ryan (since 2018) |
| Vice President | Director of Medical Collections |
| General Counsel | Barre C. Dumas, J.D. |
| Type of Entity | Corporation |
| BBB Status | BBB Accredited since April 2, 2014; A+ Rating |
| Estimated Revenue | $3.5 million annually |
| Estimated Staff | 38 employees |
| Website | direcmanagement.com |
| consumerinfo@direcmanagement.com |
Is DiRecManagement Legit or a Scam?
DiRecManagement is a real, operating debt collection agency, not a scam. It is a BBB-accredited business that has held an A+ rating with the Better Business Bureau since 2014, is incorporated in Alabama, and collects on behalf of legitimate creditors including healthcare providers and consumer lenders. The company’s staff completes ongoing FDCPA and HIPAA training and the firm employs in-house legal counsel.
Why Is DiRecManagement Calling Me?
DiRecManagement is calling because they believe you owe a balance to one of their client creditors. They are a third-party agency, which means they do not originate debt, they collect it on behalf of others. Here are the most common reasons DMI may be reaching out:
- You have an unpaid medical balance. DMI’s medical collections division works with hospitals, physician groups, emergency room practices, ambulance services, and surgery centers across the Gulf Coast and beyond. If you received medical care and a balance was not fully covered by insurance, that account may have been assigned to DMI for collection sometimes without any additional written notice to you directly from DMI before calls begin.
- You have an unpaid retail or consumer debt. DMI also collects on behalf of auto lenders, credit unions such as Family Security Credit Union, and other consumer finance companies. If you have a past-due auto loan, personal loan, or similar account with a creditor that uses DMI, that is likely why they are calling.
- Your account was sold or assigned and you weren’t notified. Several BBB complainants have expressed surprise at receiving DMI’s calls because they had no idea their account had been placed with a collection agency at all especially on older medical debts.
- You may be the wrong person. In some situations, collectors reach individuals with the same name, a former address, or a shared phone number with the actual debtor. If you do not recognize the debt at all, request written validation before saying anything further.
One thing consumers often misunderstand is that the absence of a direct contract with DiRecManagement does not mean the underlying debt is invalid. DMI’s own BBB responses make this very clear: the creditor, whether a physician group, auto lender, or credit union assigns the account to DMI for collection purposes, and that assignment is legally permissible. What is not legally permissible is DMI failing to validate the debt when properly requested, continuing to call after a written cease-and-desist, contacting you at your workplace once informed it is inconvenient, or using deceptive means to collect.
DiRecManagement Consumer Complaints
Better Business Bureau
DiRecManagement has accumulated 16 total BBB complaints over the last three years, with 5 complaints closed in the most recent 12 months. All 16 were answered by DMI. The breakdown is overwhelmingly billing disputes (14 complaints), with one each for order issues and sales/advertising issues. Every complaint was answered by the business, but most consumers rejected the response as unsatisfactory.
Verbatim consumer complaint excerpts from the BBB:
- November 2024: “I have no idea who these guys are. I have never called them, nor have I ever answered a call from them. They are calling me every 3 days and leaving voicemails every 3 days without leaving a reason for calling. At this point I would personally consider it harassment. If on the off chance they are calling to try and collect debt, I am making payments every two weeks on all debts owed, above minimum for that matter.”
- April 2026: “I am filing this complaint regarding an account being reported by DIREC MGMT, allegedly on behalf of [Orthodontics provider]. I do not recognize this debt and have no knowledge of any agreement or obligation for the amount being claimed… I have requested validation of this account, including a copy of the original signed agreement and a full breakdown of the charges, but no sufficient response has been provided.”
- March 2025: “I honestly dont get why [DMI] is reporting this debt under my name because I dont owe them anything. I never signed anything with them, and when I asked for a copy of the original application, they didnt even bother to provide it. Its frustrating because this is hurting my credit for no reason.”
- December 2023: “I am not liable for this debt with Bay Oral Surgery. I do not have a contract with [DiRecManagement]. They did not provide me with the original contract as I requested.”
- September 2024: Consumer disputed an account referencing multiple FDCPA and FCRA statutes and demanded removal of the account from all three credit bureaus, alleging that reporting an unverified account was an illegal practice.
WalletHub
Consumer reviews on WalletHub reflect frustration with DMI’s rigidity on settlement and their approach to consumers experiencing financial hardship:
- “They are liars and refuse to help someone out of a tight spot even though I’ve done a lot for certain ones up there at that damn place.”
- “They wouldnt let me settle my account in Dec 2019. I offered a payment and Management wanted the full amount or nothing. I gave up after three times being told no.”
- “Very rude people not willing to accept what you are able to pay, hard to work with people who are not willing to understand your willingness [to pay].”
- “This company is a scam, stole my identity, and ruined my credit. I have reported them to all 3 credit bureaus and they are currently being sued by my team of attorneys for falsifying a credit file. They took on a collection from a small-time hospital which is state-funded. I signed paperwork which I clearly read stating that I am not responsible for paying a dime… this company falsely reported my name without even investigating.”
In our practice, the DMI pattern we see most consistently is the same one that dominates these complaints: a consumer who had no prior knowledge of a collection account suddenly finds DMI on their credit report. They have never received mail from DMI, never been contacted by phone in a way that identified the debt, and critically never been given a proper written validation notice within five days of first contact, as the FDCPA requires. When they try to dispute, they find DMI’s response is to simply mark the account “disputed” and continue reporting rather than ceasing collection activity while conducting a genuine investigation.
DiRecManagement Phone Numbers
Consumers report receiving calls from the following numbers associated with DiRecManagement:
| Phone Number | Function |
|---|---|
| (888) 344-3408 | Primary toll-free consumer contact line |
| (251) 344-6660 | Local Mobile, Alabama office number |
| (251) 344-6885 | Fax (not used for outbound calls) |
If any of these numbers appear on your caller ID, DiRecManagement is attempting to reach you. Log every call with the date, time, caller ID number displayed, name of the representative if given, and a brief note about what was said. This call log becomes direct evidence if a FDCPA or TCPA violation needs to be documented later.
DiRecManagement Phone Harassment Patterns
Based on consumer complaints and our own practice experience, the following call-pattern behaviors have been associated with DiRecManagement:
Federal Court Cases Involving DiRecManagement
Case 1: Longtine v. DiRecManagement, Inc.
Court: U.S. District Court, District of Minnesota Case Number: 0:14-cv-02857 Filed: July 9, 2014 Terminated: August 21, 2014 Cause of Action: 15 U.S.C. § 1692 (Fair Debt Collection Practices Act) Judge: John R. Tunheim
This FDCPA case was filed in 2014 in the District of Minnesota and was voluntarily dismissed shortly after filing, followed by an order of dismissal by the court. Although the case did not proceed to judgment, it reflects early federal litigation involving DiRecManagement under consumer protection law.
Attorney Commentary: Even though Longtine ended quickly, its existence shows that DiRecManagement had already been subject to FDCPA litigation over a decade ago. Early-stage dismissals in consumer cases often still indicate that claims were serious enough to prompt federal court filing and resolution outside of trial.
Source: Longtine v. DiRecManagement
Case 2: Posey v. DiRecManagement, Inc.
Court: U.S. District Court, Southern District of Alabama Case Number: 1:20-cv-00477 Filed: September 25, 2020 Terminated: November 6, 2020 Cause of Action: 15 U.S.C. § 1692 (Fair Debt Collection Practices Act) Judge: P. Bradley Murray
This FDCPA action was filed in 2020 and resolved within a few months through settlement, followed by dismissal with prejudice. The case included standard litigation procedures such as pro hac vice attorney admissions before being settled.
Attorney Commentary: The Posey case demonstrates that even recent FDCPA claims against DiRecManagement have been resolved through settlement rather than trial. For consumers, settlements typically indicate that claims were strong enough to warrant resolution without prolonged litigation, reinforcing the importance of compliance under federal law.
Source: Posey v. DiRecManagement
Case 3: Sabroski v. DiRecManagement, Inc. et al
Court: U.S. District Court, District of Minnesota Case Number: 0:13-cv-00619 Filed: March 18, 2013 Terminated: November 22, 2013 Nature of Suit: Consumer Credit (Other Statutes) Judge: David S. Doty Referred To: Franklin L. Noel Plaintiff: Samantha Sabroski
This federal consumer credit case was filed in 2013 against DiRecManagement, Inc. and was later terminated in the same year. The docket reflects standard federal litigation procedures, including representation by counsel and multiple named defendants, before the case was closed.
Attorney Commentary: The Sabroski case adds to the documented history of DiRecManagement being named in federal consumer credit litigation in the early 2010s. While the case did not proceed to a published judgment, its filing in federal court reinforces that the company has faced repeated legal scrutiny under consumer protection statutes over time.
Source: Sabroski v. DiRecManagement
Your Legal Rights When Dealing with DiRecManagement
FDCPA and TCPA Violations
| Violation Type | Relevant Statute | Example in DMI Context |
|---|---|---|
| Repeated Calls / Call Frequency | 15 U.S.C. § 1692d; Reg. F 12 CFR § 1006.14 | Calling every 2-3 days, creating harassment presumption under Regulation F’s 7-call / 7-day rule |
| Workplace Contact After Notice | 15 U.S.C. § 1692c(a)(3) | Contacting consumer at employer after being told personal calls are prohibited there |
| Third-Party Disclosure | 15 U.S.C. § 1692b, § 1692c(b) | Asking employer personnel for consumer’s income and personal information |
| Collecting Discharged Debt | 15 U.S.C. § 1692e; 11 U.S.C. § 524 | Sending a collection letter and calling after a Chapter 7 bankruptcy discharge |
| Failure to Validate | 15 U.S.C. § 1692g | Continuing collection activity without providing written validation when properly requested |
| Failure to Note Dispute | 15 U.S.C. § 1692e(8); 15 U.S.C. § 1681s-2(b) | Reporting account to credit bureaus without dispute notation after consumer dispute received |
| Collecting Duplicate / Paid Debt | 15 U.S.C. § 1692f(1) | Attempting to collect a balance already paid to the original creditor (doctor/provider) |
| Unlawful Robocalls (TCPA) | 47 U.S.C. § 227 | Using autodialer or pre-recorded messages to call consumer’s cell phone without express written consent |
| Calling Outside Permitted Hours | 15 U.S.C. § 1692c(a)(1) | Calls before 8 a.m. or after 9 p.m. in consumer’s local time zone |
| Failure to Identify Caller | 15 U.S.C. § 1692d(6) | Leaving voicemails that do not disclose the caller’s identity or that the call is from a debt collector |
How to Stop DiRecManagement Phone Calls?
Step 1: Do not admit the debt or make any payment before getting validation. Anything you say on a call with DMI can be used against you, and even a partial payment can restart the statute of limitations in many states. If you do not recognize the debt, say so and request written validation.
Step 2: Request debt validation in writing. Mail a written validation request to DiRecManagement’s address (PO Box 16243, Mobile, AL 36616-0243) by certified mail with return receipt requested. Once DMI receives your request, it must stop all collection activity until it provides adequate verification of the debt.
Step 3: Pull your credit reports from all three bureaus. Visit Annual Credit Report and pull free reports from Equifax, Experian, and TransUnion. Document exactly how the DMI account is listed, balance, date of first delinquency, and whether it shows as disputed.
Step 4: Log every call. For every call you receive from DMI numbers (888-344-3408, 251-344-6660), write down the date, time, number shown on your caller ID, the name of the representative if given, and what was said. Save any voicemails without deleting them.
Step 5: Send a cease-and-desist letter if you want all contact to stop. A written cease-and-desist letter sent to DMI’s address legally requires them to stop contacting you, subject to narrow exceptions. Keep a copy and the certified mail receipt.
Step 6: File a complaint. You can report DiRecManagement’s conduct to the Federal Trade Commission and the Federal Communications Commission if the calls involved a robocaller or autodialer.
Step 7: Contact a consumer protection attorney. If DMI has violated your rights under the FDCPA, TCPA, or FCRA, you may be entitled to statutory damages plus attorney’s fees and you pay nothing out of pocket. Our firm handles these cases on a fee-shift basis.
CONSUMER RIGHTS LAW FIRM PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the DiRecManagement harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent even more harassment from DiRecManagement, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- I was overwhelmed by nonstop calls from a debt collector until I contacted Consumer Rights Law Firm PLLC. Their team quickly stepped in, explained my rights, and handled everything with care and professionalism. Within days, the harassment stopped. I finally feel peace and control over my phone again.
- Consumer Rights Law Firm PLLC took my case seriously from the very first call. They were responsive, informative, and made the entire process easy to understand. I was being harassed daily, but they got it to stop and even helped me pursue compensation. Highly recommend their services.
- I didn’t know I had any legal protection from the calls I was getting until this firm stepped in. The attorneys at Consumer Rights Law Firm PLLC were compassionate, knowledgeable, and fast. They stopped the harassment and made sure I felt heard throughout. I couldn’t be more grateful.
FAQs
Who is DiRecManagement and why are they calling me?
DiRecManagement, Inc. is a legitimate third-party debt collection agency based in Alabama that contacts individuals regarding past-due accounts they are attempting to recover on behalf of creditors.
Is DiRecManagement a scam or a real collector?
They are a genuine debt collection company—incorporated in 1997 and accredited by the BBB—but some complaints allege aggressive tactics, so you should verify any debt in writing.
What rights do I have if DiRecManagement is harassing me?
Under the FDCPA and Regulation F, debt collectors cannot harass, threaten, call early/late, or contact you at work once told not to. If they violate these rules, you can sue for damages up to $1,000 plus legal fees.
How often can DiRecManagement legally call me?
They may call up to seven times in seven days for a particular debt—more would create a presumption of harassment under Regulation F.
What should I do if DiRecManagement keeps calling?
Document each call (date, time, number, content). Then send a written cease-and-desist letter, request validation of the debt, and if calls persist, file complaints with the CFPB, FTC, and potentially sue under FDCPA.
Can DiRecManagement call me at work or share my debt with others?
No—they cannot call you at your workplace if you’ve said not to, nor can they disclose your debt to third parties except to locate you, and even then only limited information.
What if DiRecManagement threatens lawsuit or wage garnishment?
Threats of legal action or garnishment are illegal under FDCPA unless they truly intend and are legally able to sue. False threats give you grounds for legal action.
Can I dispute the debt they claim I owe?
Yes—you can request debt validation in writing within 30 days of first contact. They must then provide proof before continuing collection efforts.
Can DiRecManagement report me to credit bureaus?
Yes, they may report delinquent accounts to credit agencies, which could harm your score. You can dispute inaccurate reports with the credit bureaus directly.
How do I make DiRecManagement stop contacting me?
Write a formal letter demanding they cease communication. Once received, they must only contact you to say contact will stop or to notify of legal action they intend to take.
