Testimonials: Dreyfuss Brothers, Inc. Welcome to FMS Financial Solutions: FMS Financial Solutions is a professional debt collection and financial services company that achieves industry leading results through integrating customized state-of-the-industry technology, proprietary methodology, and a well trained, competent staff. Our Technology: FMS Financial Solutions utilizes the latest in web technology and security to offer both Clients and Consumers easy management of all of their collections needs.
Customer Service Portal: For multilingual support. Para obtener asistencia en varios idiomas Click Here. Consumer Services: Did you get a Letter from us? The creditor agency must execute an annual written agreement with FMS certifying, among other things, that, at the time of the transfer of any debts:.
The creditor agency must ensure that any person authorized to transfer a debt to FMS for the creditor agency understands that, by transferring the debt, he or she is making a certification to FMS under penalty of perjury.
The creditor agency must ensure that only appropriate persons are authorized to transfer debts to FMS. In the agency profile form, creditor agencies must authorize FMS to use all collection tools listed in subsection Alternatively, if, in consultation with FMS, the creditor agency determines that the use of a particular collection tool is not in the best interest of the Government, then the creditor agency must provide to FMS a written explanation of its determination.
FMS, in its discretion, will make the final determination regarding whether the use of a collection tool is not in the best interest of the Government. Creditor agencies must transfer all nonexempt debts that are delinquent more than days to FMS for debt collection services, and are strongly encouraged to transfer all eligible debts sooner.
After transfer, the creditor agency should cease all collection activity and communication with the debtor and must refer all inquiries from the debtor to FMS. The creditor agency remains solely responsible at all times for ensuring the continued validity and enforceability of the debt.
Before transferring a debt to FMS, the creditor agency must make written demand on the debtor for payment and must provide the debtor with all required due process. At the time of transfer, the creditor agency must provide FMS, in the medium or media that FMS directs, the following information:. The creditor agency must, at the time of transfer and from time to time as it receives updated information, provide FMS with information about a debtor, in a timely manner, including:.
The creditor agency must reply within 10 business days to any request by FMS for information regarding a transferred debt or debtor, including requests for:. The creditor agency must promptly conduct all required reviews and hearings or must authorize FMS to do so on its behalf pursuant to a written agreement. The creditor agency must maintain timely and accurate delinquent debt records, including updated information such as debtor information and debt balances.
The creditor agency remains the owner of the debt throughout the debt collection process. The creditor agency must notify FMS as soon as it learns that any such updates or modifications to such records are incorrect. Upon the recall of a debt in accordance with this section or the return of a debt by FMS in accordance with subsection If the creditor agency determines that termination of collection action is authorized and appropriate, it should consider whether administrative offset per 31 U.
The creditor agency may transfer previously returned or recalled debts back to FMS for servicing, if appropriate. FMS, or its private collection contractor, will take one or more of the following actions, if authorized by the creditor agency in the agency profile form, as FMS deems appropriate:.
FMS will make available to the creditor agency sufficient information for the creditor agency to update its delinquent debt records, maintain accurate debt balance information, reconcile its debt information, and run status reports on all collection activities. FMS will provide the creditor agency with a complete accounting of all fees charged per Section , Fees and Costs , if requested by the creditor agency.
As appropriate, FMS will provide the creditor agency with access to other relevant information regarding transferred debts. This information may include, among other things, contact information for the debtor including mailing addresses, physical addresses, phone numbers, and email addresses , alternative debtor names including alternative spellings, maiden names, married names, nicknames, and other aliases , taxpayer identification numbers, and employer information. Fortunately, you have options.
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