What happens if I ignore Financial Management Solutions calls?

Ignoring calls won't make the debt disappear and may escalate to legal action or credit reporting. It's best to verify the debt and respond appropriately through written communication.

How long can Financial Management Solutions legally pursue a debt?

The statute of limitations for debt collection varies by state, typically between 3–7 years. After that period, they can still contact you but cannot sue to collect.

Can FMS contact my employer or family about my debt?

Under the FDCPA, FMS cannot discuss your debt with anyone except you, your spouse, or your attorney. They may only contact others to locate you, without revealing debt details.

How do I confirm if the debt from FMS is within the statute of limitations?

You can request written verification showing the debt date and last payment activity. Compare this with your state's statute of limitations to determine if it's still collectible.

What are my options if I already paid the original creditor but FMS is still calling?

Provide proof of payment to FMS and the original creditor. If verified, they must cease collection and update your records. If not resolved, file a dispute and report the issue to consumer protection agencies.

Financial Management Solutions Phone Harassment?

Q: Who is Financial Management Solutions and why are they calling me?

Financial Management Solutions (FMS) is a legitimate debt collection agency that contacts consumers about past-due accounts acquired from creditors. If they’re calling, they believe you owe on a debt they're attempting to collect.

Q: Can I stop FMS from calling me?

Yes. You can send a written cease-and-desist letter requesting they stop contacting you. If they continue, document each call and report them to the CFPB, FTC, and FCC. You may also consult a consumer rights attorney.

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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Financial Management Solutions Phone Harassment❓

Is Financial Management Solutions (FMS) calling you? Stop Financial Management Solutions phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop FMS phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.

Is Financial Management Solutions a Scam?

According to the Better Business Bureau website, Financial Management Solutions has been in business for 29 years. There have been 24 complaints filed against FMS with the BBB.

Who is Financial Management Solutions?

Financial Management Solutions is third party debt collector located in Greenbelt, Maryland. FMS has been a party to a Federal Court case over 10 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.

🏛️ Financial Management Solutions Address: 9001 Edmonston Rd Ste 20 Greenbelt, MD 20770-4074

📞 Phone: (301) 220-1849

Financial Management Solutions Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

📲 (301) 220-1849
📲 (800) 486-7677
📲 (301) 656-1369

If the answer is yes, then you are receiving calls from a known FMS number. You may be a victim of FMS phone harassment. The list above is not all the numbers that FMS uses. The calls can be from a different number and it still be Financial Management Solutions calling you. Contact our office right away so we can start the process to stop FMS from calling you illegally. Above all, no one should live with harassment!

Financial Management Solutions Complaints

The following is a sample list of complaints filed against Financial Management Solutions in the past year and can be found on Pacer.gov, including issues related to financial data.

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 Financial Management Solutions 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 harassment from Financial Management Solutions call us at 877-700-5790.

Success Storiess

🏆 “FMS sent fake court papers claiming they’d garnish my paycheck. Consumer Rights Law Firm PLLC proved they violated FDCPA §807(4) by making false legal threats. Not only did the harassment stop, but I received a $4,500 settlement check—they paid ME for their lies!”
🏆 “FMS harassed me daily for a credit card debt from 2010 (way past the statute of limitations!). The firm demanded debt validation letter—when FMS failed, they deleted the debt and removed it from my credit report. My score jumped 102 points in one month!”
🏆 “FMS called me 20+ times a week with automated messages, even after I said STOP. Consumer Rights Law Firm PLLC sued under the TCPA and won me a $3,800 settlement. The calls stopped IMMEDIATELY. Worth every penny (which FMS had to pay, not me)!”

FAQs

Who is Financial Management Solutions and why are they calling me?

Financial Management Solutions (FMS) is a legitimate debt collection agency that contacts consumers about past-due accounts acquired from creditors. If they’re calling, they believe you owe on a debt they’re attempting to collect.

Are these FMS phone calls legal or illegal harassment?

Under the FDCPA and TCPA, debt collectors may contact you, but harassment—like repeated calls intended to annoy, threats, or obscene language—is illegal. You have rights and can take action if over-contacted.

Is Financial Management Solutions a scam or real debt collector?

FMS is a real, licensed collection agency. However, you should always confirm any alleged debt in writing via debt validation to protect yourself from potential scams.

Can I stop FMS from calling me?

Yes. You can send a written cease-and-desist letter requesting they stop contacting you. If they continue, document each call and report them to the CFPB, FTC, and FCC. You may also consult a consumer rights attorney.

Should I send a debt validation letter to FMS?

Absolutely. Within 30 days of first contact, request validation. They must verify the debt’s amount, original creditor, and legitimacy. Without validation, they cannot legally continue collection efforts.

Will FMS calls affect my credit score?

Yes, if they report your debt to credit bureaus. That can negatively affect your credit score. You may dispute inaccurate information under the FCRA.

Can I sue FMS for phone harassment or violations?

Yes. You may be able to sue under the FDCPA or TCPA if they violate consumer protection laws. You can seek statutory damages and compensation for emotional distress.

What should I do if FMS uses robocalls or caller ID spoofing?

Robocalls requiring prior consent are illegal under the TCPA. Spoofing to disguise their identity is also unlawful. You should block the number, document each incident, and report it to the FTC and FCC.

Can Financial Management Solutions sue or garnish my wages?

They can pursue legal action if the debt is valid and within the statute of limitations, which varies by state. A court might award wage garnishment. Consult a local attorney about your rights and state law timeline.

How can I file a complaint against FMS?

You can file a complaint with the (CFPB), Federal Trade Commission (FTC), and Federal Communications Commission (FCC). Include dates, times, content of calls, and any documentation.

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.