If you’ve recently started receiving repeated calls, letters, or voicemails from FMS Inc debt collector, you are not alone. Across the United States, thousands of consumers have reported similar experiences — ranging from persistent collection calls to outright harassment. Whether or not you actually owe the debt they claim, you are protected under federal law. Understanding who this company is, what your rights are, and how to respond properly can make all the difference in stopping the harassment and restoring your peace of mind.
This article explains everything you need to know about FMS Inc debt collector — who they are, how they operate, what laws govern their behavior, and how to fight back if they’ve crossed the line.
Who Is FMS Inc. Debt Collection Agency?
FMS Inc. debt collector, is a large Oklahoma-based collection agency that has been in business since 1993. The company offers first- and third-party collection services for a range of industries, including financial institutions, healthcare providers, utilities, government agencies, and educational organizations.
Headquartered in Tulsa, Oklahoma, FMS Inc operates across all 50 states and employs more than 800 collection agents. Its website describes it as a “full-service accounts receivable management company,” but many consumers know it simply as a debt collection agency that calls day and night about old or disputed debts.
FMS Inc claims to comply with the Fair Debt Collection Practices Act (FDCPA), yet hundreds of consumers have filed complaints accusing them of violating the very same law they cite.
Why Is FMS Inc. contacting You?
If you are being contacted by FMS Inc debt collector, it means your creditor — such as a credit card company, bank, hospital, or student loan servicer — has either hired them to collect on their behalf or sold your delinquent account to them. Once FMS Inc acquires or is assigned the account, they begin collection efforts through phone calls, emails, letters, and sometimes credit reporting.
Their job is to get payment, but they must follow the law while doing so. Unfortunately, consumers frequently report that FMS Inc. debt collector representatives push legal boundaries — using intimidation, repetitive calls, and misleading statements to pressure people into paying.
Common Complaints About FMS Inc
Over the years, regulatory agencies like the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB) have logged numerous complaints against FMS Inc debt collector. The most common allegations include:
- 👉 Harassing phone calls – Calling multiple times per day or using different numbers to avoid blocks.
- 👉 Failure to verify debts – Not sending written proof of the debt within five days of initial contact.
- 👉 Collecting on old or paid accounts – Trying to recover debts already paid or past the statute of limitations.
- 👉 Threatening legal action – Implying lawsuits, wage garnishment, or arrest when they have no such authority.
- 👉 Using abusive or disrespectful language – Shouting, intimidating, or using profanity during calls.
- 👉 Contacting third parties – Calling relatives, friends, or employers about the debt.
- 👉 Continuing to contact after a cease-and-desist request – A direct violation of the FDCPA.
If you have experienced any of these actions, you may be entitled to financial compensation.
Understanding the Law: The Fair Debt Collection Practices Act (FDCPA)
The FDCPA is a federal law passed in 1977 that protects consumers from abusive, deceptive, or unfair collection tactics. It applies to third-party debt collectors like FMS Inc. debt collector.
Here’s what the FDCPA prohibits:
- ➡️ Calling before 8 a.m. or after 9 p.m.
- ➡️ Threatening you with arrest or jail time
- ➡️ Using profanity or abusive language
- ➡️ Contacting you after you’ve asked in writing for them to stop
- ➡️ Misrepresenting the amount or legal status of your debt
- Reporting false information to credit bureaus
- ➡️ Discussing your debt with others without your consent
Violations of the FDCPA can result in statutory damages up to $1,000, reimbursement for legal fees, and compensation for emotional distress.
🔗 Learn More About :Your Debt Collection Rights.
What the Telephone Consumer Protection Act (TCPA) Adds
In addition to the FDCPA, the Telephone Consumer Protection Act (TCPA) restricts FMS Inc debt collector from using automated dialers or pre-recorded messages without your consent. If you’re receiving robocalls or recorded voicemails, you could be eligible for $500 to $1,500 per call in damages.
The Fair Credit Reporting Act (FCRA) and Your Credit Report
Many consumers find out about FMS Inc. debt collector when they notice a new negative entry on their credit report. The FCRA requires all information reported to credit bureaus to be accurate and verifiable. If FMS Inc reports false, outdated, or duplicate debts, you have the right to dispute it directly with the credit bureaus and the agency itself. If they fail to correct or delete the false information, you can sue for damages.
Is FMS Inc Legitimate or a Scam?
FMS Inc is a legitimate debt collection agency — not a scam. However, that doesn’t mean their actions are always lawful. Some scammers pretend to be from FMS Inc debt collector to trick consumers into paying fake debts.
To protect yourself:
- ✅ Request a written debt validation letter within five days of their first contact.
- ✅ Verify the original creditor and the amount owed.
- ✅ Compare phone numbers and contact details with those listed on their official website.
- ✅ Never share sensitive information like your bank account or Social Security number until you’re certain of their legitimacy.
FMS Inc Contact Information
- 📍 Address: PO Box 707600, Tulsa, OK 74170-7600
- ☎️ Telephone: (918) 747-4884 or (800) 580-7611
- 🌐 Website: www.fms-collect.com
They also use numerous outbound phone numbers, including 📞 866-530-3790, 📞 855-801-1224, and 📞 877-858-0218.
If these numbers frequently appear on your caller ID, it’s likely FMS Inc. debt collector is trying to reach you. Keep a detailed log of each call — including time, date, and any message left.
Can FMS Inc Sue You or Garnish Wages?
Yes, FMS Inc debt collector can file a lawsuit if the debt is valid and within the statute of limitations. However, they cannot threaten to sue you without actually intending to do so. If they make false threats of legal action, they’re violating the FDCPA.
Even if they sue, you have rights:
- 📢 You must be officially served with court documents.
- 📢 You have a chance to respond or dispute the debt.
- 📢 A judgment is required before they can garnish wages.
If you receive legal papers, contact a consumer protection attorney immediately.
Real-World Complaints Against FMS Inc
Consumers have reported a range of troubling experiences:
- ➜ One consumer’s 93-year-old mother was contacted about a debt she didn’t owe.
- ➜ Another said FMS agents called three times a day and refused to stop even after written requests.
- ➜ Several people reported that FMS Inc. debt collector, attempted to collect on debts already discharged in bankruptcy.
These examples highlight the importance of documenting every call and keeping records of all letters or voicemails.
What to Do If You’re Being Harassed
If FMS Inc.’s debt collector continues to harass you:
- 👉 Send a Cease-and-Desist Letter – This instructs them to stop all communication except for legal notices.
- 👉 Request Debt Validation – Demand written proof of the debt’s legitimacy.
- 👉 Keep Records – Save voicemails, call logs, and correspondence.
- 👉 Dispute False Claims – Notify credit bureaus and the CFPB if information is inaccurate.
- 👉 Hire a Lawyer – A consumer protection attorney can stop the harassment immediately.
Once you have legal representation, FMS Inc. debt collector, is legally prohibited from contacting you directly.
How Consumer Protection Lawyers Can Help
Dealing with debt harassment alone is overwhelming. Fortunately, federal law allows you to fight back at no cost. Consumer protection lawyers specialize in defending people from companies like FMS Inc debt collector.
Here’s how they help:
- ➡️ Stop the Calls: Lawyers send official notices that legally force collectors to cease communication.
- ➡️ Validate the Debt: They verify whether the debt is legitimate and within the statute of limitations.
- ➡️ Sue for Violations: If your rights were violated, attorneys can sue for statutory damages and emotional distress.
- ➡️ Negotiate Settlements: They can often reduce or eliminate your debt entirely.
- ➡️ Recover Legal Fees: Under the FDCPA, FMS Inc must pay your attorney’s fees if you win.
Contact Information for Legal Assistance:
America’s Consumer Lawyer
☎️ Toll-Free: (888) 572-0176
🌐 Website: www.consumerlawyer.com
These attorneys have helped thousands of Americans stop harassing calls from FMS Inc debt collector and other agencies while recovering compensation for damages.
FMS Inc Collections Practices Explained
Understanding the internal process helps you recognize your rights. When an account goes unpaid, creditors often assign it to FMS Inc debt collector after 90–180 days. The company’s collections division then initiates “skip tracing,” automated calling campaigns, and letter cycles.
Each call is recorded, and agents are trained to negotiate payments. But many go beyond what’s legal — making veiled threats about lawsuits or wage garnishment. Recognizing these tactics can help you stay calm and respond properly.
The Impact on Your Credit
When FMS Inc debt collector reports your account to the credit bureaus, it can drop your score by 50 to 100 points or more. This negative mark may remain on your report for seven years.
If you successfully dispute or settle the debt, request written confirmation that the account will be marked as “paid” or removed entirely. Keep this document for future reference.
Can You Remove FMS Inc from Your Credit Report?
Yes — with the right approach, it’s possible.
- ✔️ File a Dispute: Contact Experian, Equifax, and TransUnion with evidence that the debt is invalid or inaccurate.
- ✔️ Request a Pay-for-Delete Agreement: If valid, negotiate a payment that includes full deletion.
- ✔️ Hire a Credit Repair or Consumer Law Attorney: They can escalate the dispute legally if the agency refuses.
Under the FCRA, FMS Inc debt collector must delete any unverifiable or false entry within 30 days.
Is FMS Inc Licensed to Collect in Your State?
Debt collection agencies must be licensed in many states. If FMS Inc debt collector is operating without a license where required, any collection efforts may be illegal. Always check your state’s Department of Financial Institutions or Attorney General’s website to confirm.
How to Respond to a Collection Letter
If you receive a letter from FMS Inc debt collector, don’t panic — and don’t ignore it. Here’s what to do:
- 👉 Review the letter for key information: amount owed, creditor name, and your rights.
- 👉 Send a Debt Validation Request within 30 days.
- 👉 Do not admit liability or make any payment until the debt is verified.
- 👉 Consult with a lawyer before setting up any payment plan.
A professional attorney can help you craft the right response that protects your rights and prevents future harassment.
Can FMS Inc Collect Old Debts?
Debt collectors cannot legally sue you for debts past the statute of limitations — typically three to six years depending on your state. However, FMS Inc debt collector might still try to collect.
Paying or even acknowledging the debt could restart the statute of limitations clock, giving them more time to sue. Always confirm the age of the debt before making any payments.
When Should You File a Lawsuit?
If you’ve endured repeated calls, threats, or misrepresentations from FMS Inc debt collector, you have grounds for legal action. File a complaint with:
- ➡️ The Consumer Financial Protection Bureau (CFPB)
- ➡️ The Federal Trade Commission (FTC)
- ➡️ Your state attorney general’s office
Then contact a consumer law attorney who can file a lawsuit on your behalf. Successful cases can result in:
- ➡️ Up to 💵 $1,000 in statutory damages
- ➡️ Additional compensation for stress or lost wages
- ➡️ Attorney fees paid by the collector
- ➡️ Removal of negative credit entries
Preventing Future Debt Harassment
To ensure you’re never harassed again:
- ✅ Keep Accurate Records: Save bills, receipts, and letters.
- ✅ Monitor Your Credit Report: Check for unfamiliar entries.
- ✅ Communicate in Writing: Avoid phone arguments; request documentation.
- ✅ Understand Your Rights: The more informed you are, the harder it is for collectors to intimidate you.
Final Thoughts
Dealing with FMS Inc debt collector can feel overwhelming, but you have more power than you think. Federal laws like the FDCPA and FCRA exist to protect you from harassment, deception, and unfair tactics. Whether the debt is real or mistaken, you deserve to be treated with dignity and respect.
If you are receiving repeated calls, letters, or threats from FMS Inc debt collector, take control today. Contact an experienced consumer protection lawyer, request written verification, and document everything. You could stop the harassment and even receive compensation — without paying a single dollar out of pocket.
Don’t let collection calls control your life. Stand up for your rights, protect your credit, and reclaim your peace of mind.
