If you would like to make arrangements to make payments on a debt, have questions or need assistance regarding a debt, please contact us immediately.
NOTE: To ensure compliance with federal laws pertaining to debt collection, we are unable to discuss any debt collection issues or answer questions via email.
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Calls may be monitored or recorded for quality assurance purposes.
Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. The computers/servers in which we store personally identifiable information are kept in a secure environment. FMS does not share or transmit this information to fourth parties.
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.ago.state.co.us/CADC/CADCmain.cfm
NOTICE OF IMPORTANT RIGHTS:
YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.
Massachusetts Street Address: 5230 Washington Ave, West Roxbury, MA 02132
Massachusetts Office Hours: Monday through Thursday, 10:00 a.m. – 3:00 p.m. EST
This collection agency is licensed by the Minnesota Department of Commerce.
New York City Department of Consumer Affairs License Number 1093359
North Carolina Department of Insurance Permit Number 3797.
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation.
This collection agency is licensed by the Office of the Administrator of the Division of Banking, P.O. Box 7876, Madison, Wisconsin 53707. This office is licensed in the State of Wisconsin as “Oklahoma FMS”.