Recovery Management Solutions Harasses You with Calls?
You may be receiving constant calls from Recovery Management Solutions (RMS) about a debt. Are they threatening legal action, wage garnishment, or contacting your family? If so, you have legal rights under federal debt collection laws to stop harassment and protect yourself.
Debt collectors must comply with the Fair Debt Collection Practices Act (FDCPA). If RMS violates your rights, you may be entitled to up to $1,000 in statutory damages, plus attorney fees and court costs.
What RMS Does
Recovery Management Solutions LLC works as a third-party debt collector to help creditors recover delinquent debts. They often collaborate with banks, utility companies, healthcare providers, and other service providers to collect outstanding balances.
While RMS may attempt to create payment plans or offer solutions tailored to your financial situation, some consumers report phone harassment, threats, or abusive practices, which are illegal under federal law.
Business Details
- Address: 485 Cayuga Rd, Ste #402 Cheektowaga, NY 14225-1368
- Main Phone: (888) 906-2259
- Fax: (888) 641-6829
- Alternate Names: RMS, RMS LLC
Recognizing Phone Harassment
RMS phone harassment may include:
Tip: Keep a record of every interaction. Documentation is essential if you need to dispute the debt or pursue legal action.
Known RMS Call Numbers:
- 888-906-2259
- 716-714-4271
- 888-641-6829
- 855-764-8843
- 844-661-2147
- 806-240-9508
- 716-271-0637
Is Recovery Management Solutions a Scam?
According to the Better Business Bureau website, Recovery Management Solutions LLC has been in business since 2015. There have been 6 customer complaints filed on the BBB site. Reporting complaints can help protect other consumers from experiencing similar issues by raising awareness and encouraging action. Read more here: Recovery Management Solutions BBB.
Real vs. Fake Debt Collectors
Not all calls are legitimate. Watch for these warning signs of scams:
Unfamiliar debt or creditor: You don’t recognize the account.
High-pressure tactics: Immediate payments requested; threats of arrest or jail.
Withholding information: Legitimate collectors must provide their name, address, creditor, and debt amount.
Action: If unsure, request all communication in writing via a cease and desist letter.
Credit Report and Debt
RMS may report unpaid accounts to the major credit bureaus, impacting your credit score and financial opportunities.
Your rights under the Fair Credit Reporting Act (FCRA):
Request verification of the debt
Dispute inaccurate or fraudulent information
Ensure all credit reporting is accurate
Steps to Protect Your Credit:
Request a debt validation letter from RMS
Review your credit report for accuracy
Keep detailed records of all communication
Send a cease and desist letter if harassment occurs
Consider legal assistance for persistent violations
Complaints and Legal Action
Recovery Management Solutions has been subject to complaints and legal filings & can be found on Pacer.gov.. While not every complaint results in a judgment, they highlight issues consumers have faced:
| Case | Year | Court | Notes |
|---|---|---|---|
| Busko v. RMS | 2019 | Pacer.gov | FDCPA complaint |
| Brown v. RMS | 2018 | Pacer.gov | Consumer dispute |
| Galicia v. RMS | 2017 | Pacer.gov | FDCPA allegation |
| Sequin et al v. RMS | 2017 | Pacer.gov | Debt collection issues |
| Shaw v. RMS | 2016 | Pacer.gov | Complaint filed |
Important: Filing a complaint with regulatory agencies like the CFPB or consulting an attorney can protect your rights and may allow you to pursue statutory damages under FDCPA.
Take Action Against RMS LLC Harassment
Know your rights: FDCPA protects you from abusive debt collection.
Document everything: Keep logs of calls, letters, and emails.
Request verification: Ask for written proof of the debt.
Stop unwanted calls: Send a cease and desist letter.
Seek legal help: A consumer rights attorney can stop harassment and help recover damages.
Remember, you are not alone. Many consumers successfully stop harassment and protect their credit by being proactive and informed.
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. We also assist clients who have experienced harassment from recovery management services and similar debt collectors. Rather than suffer alone, contact our office to begin the process to stop the RMS 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 RMS, call us at 877-700-5790.
Success Stories
- 🏆 “I was getting nonstop calls from a collection agency that wouldn’t identify themselves and kept demanding payment for a debt I didn’t even recognize. It felt like harassment, and I didn’t know what to do until I found Consumer Rights Law Firm PLLC. They were incredibly professional and kind, and they reassured me that I wasn’t alone. They gathered all the evidence, handled everything, and made the whole process easy for me. The calls stopped within a couple of weeks, and I was finally able to relax again. Truly grateful for their help!”
- 🏆 “I was hesitant to involve lawyers, but Consumer Rights Law Firm PLLC completely changed my perspective. I had been dealing with repeated robocalls and threatening voicemails from a debt collector for months. It was causing me serious anxiety. The firm took my case with no upfront cost, kept me updated the entire time, and made me feel like my case actually mattered. They ended up holding the collector accountable and got me a financial settlement, too. I can’t thank them enough for restoring my peace of mind.”
- 🏆 “After weeks of being harassed by calls to my cell and even to my job, I finally reached out to Consumer Rights Law Firm PLLC. I wish I had called them sooner. They were honest, knowledgeable, and incredibly fast in handling my case. They explained all my rights under the FDCPA and walked me through the entire process. What impressed me most was how easy they made everything, no confusing legal jargon, no pressure, just real help. Thanks to them, I don’t dread answering my phone anymore.”
FAQs
Is RMS a scam?
No, RMS has been in business since 2015.
Can RMS seize my property?
RMS can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtain a judgment against you, the debt collector may be able to take certain property as permitted by the court.
Can RMS sue me?
Yes, RMS can sue you so long as the debt is within the statute of limitations.
Can RMS report my debt to the collections bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report.
Can RMS arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
