FMA Alliance: Who They Are and Your Rights

Type

Collection agency

Also known as

FMA Alliance, Ltd.; FMA

Headquarters

Houston, TX

Collects

credit card and bank accounts, medical bills, student loans, government debts

Phone numbers it lists

(800) 955-5598

Website

fmaalliance.com

158 debt collection complaints were sent to the Consumer Financial Protection Bureau about FMA Alliance, Ltd. 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 FMA Alliance?

FMA Alliance, Ltd. describes itself as a privately owned receivables management company "originally formed in 1983 and headquartered in Houston, Texas." Its listed address is on Greens Crossing Boulevard in north Houston. The website shows a Receivables Management Association International (RMAI) certification and names a general counsel who serves as chief compliance officer. Consumers can send complaints to a customer service email address the company publishes.

Why FMA Alliance May Be Contacting You

FMA lists five lines of business, and the creditor on your letter will usually fall into one of them:

• Financial services: accounts for banks and other financial institutions, such as credit cards or loans.
• Healthcare: patient balances owed to providers.
• Student loans: collection of education debt.
• Government: federal, state and municipal accounts.
• Call center outsourcing: customer contact work for clients, which may not involve a debt at all.

Because FMA is based in Houston, Texas residents may hear from it on accounts that began anywhere in the country.

How to Check a Debt FMA Alliance Says You Owe

The right records to ask for depend on which kind of account FMA is collecting.

• Bank or credit card account: ask for the last periodic statement, the charge-off balance and confirmation of whether the bank or a buyer owns it now.
• Medical bill: ask for an itemized statement; Texas generally requires one before a provider collects (see our S.B. 490 update).
• Student loan: find out whether it is a federal or private loan. Federal loans have their own collection and repayment rules; see our student loan collections update.
• Every account: use the validation notice, which must name the creditor, itemize the debt and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34), and dispute in writing within that period.
• Limitations: Texas generally allows four years to sue on consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Federal student loans are generally not subject to a limitations period, and other states set their own deadlines.

What FMA Alliance Can and Can't Do

FMA regularly collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6), and as a Texas third-party collector it is also subject to the Texas Debt Collection Act. Some of the rules that apply:

• It may not misstate the amount or legal status of a debt, including suggesting that an old debt can still be sued on when it cannot (15 U.S.C. § 1692e(2)).
• It must follow Regulation F's limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
• It may not call before 8 a.m. or after 9 p.m. your time without your consent (15 U.S.C. § 1692c(a)(1)).
• Texas does not allow wage garnishment for ordinary consumer debts such as credit cards and medical bills (Tex. Const. art. XVI, § 28).

We did not find a CFPB enforcement action against FMA Alliance. For help with an FMA contact, see 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 FMA Alliance 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

• FMA Alliance: home page
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: FMA Alliance, Ltd., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that FMA Alliance has violated any law. Company details change; tell us if something here is out of date.