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Financial Management Solutions LLC


9001 Edmonston Rd Ste 20
Greenbelt, MD 20770-4073

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Fact: Pursuant to the Fair Debt Collection Practices Act, it is unlawful for a collection agency to contact you at a time or place known to be inconvenient to you.

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Victor D. on September 7, 2015 at 9:25 pm

      Financial Management Solutions LLC is collecting for a former landlord. Financial Management Solutions LLC calls me at work.

    2. Anne Smith on November 3, 2016 at 4:16 pm

      FMS started calling me after a medical office sold them my $78 bill (which they had never actually sent to me in the first place). The first call was from a man who refused to tell me who he was, what company he represented, and what he was calling about. He called back the same day to tell me that I owed him money. At this point, I assumed it was a prank call. After two more calls that week, I learned his name was Reggie and I asked him to please stop calling, because I didn’t know what he was talking about, and that’s when he started to threaten me with arrest and imprisonment. He told me he would have local police knock down my door and forcibly arrest me in front of my children (I am unmarried and I do not have children). I did not offer any personal information, but asked for information about the supposed debt. That’s when he started to become abusive, using racial and gendered slurs, calling me a piece of crap who deserves to be in jail, just wait until he gets ahold of me, he’d force me to give him the money personally, etc. If he’d had any of my correct personal information, I would have been very frightened, but a phone number that is not attached to any current address wouldn’t get him very far. I ended up calling the medical office directly and managed to resolve the debt through them. FMS’ agent Reggie called me three times a day before I took action with the medical office, from a different number each time, and called me seven more times after it was settled. I am afraid that if he actually had the correct contact information for someone, he would willingly harm her.

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    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.