Capital Management Services, LP (CMS) is a debt collection and business-process outsourcing company in Buffalo, New York. If it is contacting you, a creditor has placed a past-due account with it.
- Type
- Collection agency
- Also known as
- CMS; Capital Management Services of America, LP; Capital Receivables Management Services, LP
- Headquarters
- Buffalo, NY
- Website
- cms-collect.com
238 debt collection complaints were sent to the Consumer Financial Protection Bureau about Capital Management Services, LP from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Capital Management Services?
Capital Management Services, LP, often shortened to CMS, is a collection agency located at 698 1/2 South Ogden Street in Buffalo, New York. Its website describes the business as "Debt Collection & BPO," meaning it does outsourced work for creditors in addition to collecting. The Better Business Bureau lists it as a limited partnership that started in September 2000 and records several alternate names, including Capital Management Services of America, LP, Capital Management Services LP of DE, and Capital Receivables Management Services, LP.
We could not read contact details from the company's own site, so we have not listed phone numbers here. Use the number on your letter, then confirm it through the official website before discussing the account.
Why Capital Management Services May Be Contacting You
We were not able to verify the specific creditors or industries CMS works for. As a contingency agency, it typically contacts consumers about accounts a creditor has charged off or placed for collection. Its letters must name the creditor it is collecting for, and that name is your starting point. If the creditor is a company you don't recognize, it may have bought the account from the original lender; see what a debt buyer is.
How to Check a Debt Capital Management Services Says You Owe
A Buffalo agency writing about an old account may be several steps removed from the business you originally dealt with. To trace the account:
- Study the validation notice. It must list the current creditor, the amount on an itemization date, and later interest, fees, payments and credits (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period if you don't recognize the account or the amount. Ask for the original creditor's name and the last statement it sent you. CMS must pause collection until it verifies.
- Ask who owns the debt now and whether CMS is the only company working it. Paying the wrong party does not clear the debt.
- Check the math against your final statement from the original creditor.
- Watch the calendar. In Texas, most suits on a debt must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). The deadline in your state may be different.
What Capital Management Services Can and Can't Do
Collecting debts owed to others is CMS's business, so it is a "debt collector" under 15 U.S.C. § 1692a(6). Under the FDCPA and Regulation F:
- It must stop contacting you, except for limited notices, if you tell it in writing to stop (15 U.S.C. § 1692c(c)).
- It may not call your workplace if it knows or has reason to know your employer prohibits those calls (15 U.S.C. § 1692c(a)(3)).
- It may not threaten a lawsuit on a time-barred debt or misstate the legal status of a debt (15 U.S.C. § 1692e; 12 C.F.R. § 1006.26(b)).
- Seven calls within seven days about a single debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Capital Management Services, LP. Learn how often a collector may call, or contact our FDCPA attorneys.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Capital Management Services, LP or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Capital Management Services: official site
- BBB business profile: Capital Management Services, LP (facts only)
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Capital Management Services, LP, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Capital Management Services, LP has violated any law. Company details change; tell us if something here is out of date.