Finmax Smart Capital LLC is a debt collection agency in Greenacres, Florida, that says it provides receivables management for creditor clients. It does not name its clients, so the creditor in its first letter is the key detail.
- Type
- Collection agency
- Also known as
- Finmax Smart Capital LLC; FinMax
- Headquarters
- Greenacres, FL
- Phone numbers it lists
- (866) 403-8649
- Website
- profinmax.com
18 debt collection complaints were sent to the Consumer Financial Protection Bureau about Finmax Smart Capital LLC 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 Finmax Smart Capital?
Finmax Smart Capital LLC calls itself "a professional collection agency with decades of experience in the receivables management industry." Despite "capital" in its name, its website presents it as a collection agency rather than a lender. Its contact page lists an office at 3900 Woodlake Boulevard, Suite 308, in Greenacres, Florida, and the site displays a New York City Department of Consumer Affairs debt collection license number.
The company's About page also says it seeks partnerships with receivables management firms, collection agencies, debt sellers and brokers. We did not find a CFPB enforcement action against Finmax Smart Capital.
Why Finmax Smart Capital May Be Contacting You
Finmax does not say which creditors or industries it works for. Its partnership language suggests accounts may come to it through debt sellers, brokers or other agencies, which means the account may have changed hands before reaching Finmax. Because of that, the most important questions are who originally extended the credit, and who owns the account now.
A company whose name sounds like a lender can be confusing. If you never borrowed from Finmax, that alone does not mean the contact is a mistake. It may be collecting for someone else.
How to Check a Debt Finmax Smart Capital Says You Owe
- Insist on the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It must state the name of the creditor to whom the debt is currently owed, the original account number or a truncated version, and an itemization since a reference date.
- Dispute in writing within the validation period and ask for the original creditor's name and address and the chain of ownership.
- Verify the company independently. Use the contact details on its official website, not only those in a call or text, before giving payment information.
- Check the balance against your last statement from the original creditor. Debts that have been resold sometimes carry added amounts.
- Consider whether the debt is old. In Texas, suits on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set their own limits.
What Finmax Smart Capital Can and Can't Do
As an agency collecting for creditor clients, Finmax is a "debt collector" under 15 U.S.C. § 1692a(6). If it bought accounts itself and collected them as its principal business, it would still be covered under the principal-purpose prong of that definition; Henson v. Santander (2017) addressed only the separate "owed another" prong. Practical limits include:
- It must give its real name and state that it is a debt collector (15 U.S.C. § 1692e(11), (14)).
- It may not threaten a lawsuit on a debt that is too old to sue on. See our note on Texas H.B. 996.
- It may not call more than the Regulation F limits allow (12 C.F.R. § 1006.14(b)(2)).
- It must stop contacting you, with limited exceptions, if you tell it in writing to stop (15 U.S.C. § 1692c(c)).
See how to tell a collector to stop calling and our Texas FDCPA attorneys page.
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 Finmax Smart Capital 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
- Finmax Smart Capital: home page
- Finmax Smart Capital: About
- Finmax Smart Capital: Contact
- CFPB enforcement actions list
- CFPB Consumer Complaint Database: Finmax Smart Capital LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Finmax Smart Capital has violated any law. Company details change; tell us if something here is out of date.