FMS Financial Solutions, the trade name of Financial Management Solutions, LLC, is a Greenbelt, Maryland collection agency that recovers unpaid rent and other balances for multifamily and commercial property owners. If it contacts you, it is likely about a former lease.
- Type
- Collection agency
- Also known as
- Financial Management Solutions, LLC; Financial Management Solutions
- Headquarters
- Greenbelt, MD
- Collects
- apartment rent and move-out balances, commercial and retail tenant balances
- Phone numbers it lists
- (800) 486-7677
- Website
- fmsfinancialsolutions.com
108 debt collection complaints were sent to the Consumer Financial Protection Bureau about Financial Management Solutions, 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 FMS Financial Solutions?
Financial Management Solutions, LLC does business as FMS Financial Solutions. Its BBB profile lists a headquarters on Edmonston Road in Greenbelt, Maryland, a second location in Bethesda, a business start in 1990 and an LLC formation in December 2002. The company's website gives a Greenbelt mailing address and says it has served property owners for "over thirty years." Its pages carry a notice that communications are from a debt collector.
Don't confuse it with similarly named companies, such as Financial Management Systems or Financial Asset Management Systems, which are different businesses.
Why FMS Financial Solutions May Be Contacting You
FMS focuses on real estate. Its website describes rent recovery for multifamily housing and the collection of balances owed by commercial and retail tenants. For an individual, an FMS letter most often concerns an apartment you moved out of, with a claimed balance for unpaid rent, early termination, utilities billed through the landlord, or cleaning and repair charges.
How to Check a Debt FMS Financial Solutions Says You Owe
Rental balances are assembled by the landlord after you leave, and you usually never see the math until a collector sends it. Ask for it.
- Read the validation notice. It must name the property owner or creditor, itemize the balance and give your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing and ask for the lease file. Request the signed lease, the final ledger, move-in and move-out inspection reports, photos, repair invoices and the deposit accounting. FMS must stop collecting until it verifies.
- Check the security deposit. Texas landlords generally must refund the deposit or give a written list of deductions within 30 days after you surrender the unit and give a forwarding address (Tex. Prop. Code §§ 92.103, 92.104, 92.107). If that never happened, note it in your dispute.
- Confirm the move-out date and notice. Many disputes turn on whether proper notice was given and when the unit was re-rented.
- Check the date. In Texas, most suits on consumer 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). Maryland and other states apply their own periods.
What FMS Financial Solutions Can and Can't Do
A company that regularly collects rent and other balances owed to landlords is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)), and residential rent is a consumer debt. For rental accounts specifically:
- It may not add collection fees or interest that the lease does not authorize (15 U.S.C. § 1692f(1)).
- It may not contact your new landlord or neighbors about the debt, beyond limited contacts to find you.
- It must note a dispute if it reports the account to a credit bureau after you dispute it (15 U.S.C. § 1692e(8)).
- Calls above seven in seven days about one debt are presumed to violate Regulation F (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against FMS Financial Solutions. If a rental collection seems wrong, 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 FMS Financial Solutions 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
- FMS Financial Solutions: home page
- BBB business profile: Financial Management Solutions, LLC
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Financial Management Solutions, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that FMS Financial Solutions has violated any law. Company details change; tell us if something here is out of date.