Omega RMS, LLC is a Missouri receivables company that collects past-due accounts and also purchases receivables, mainly from education, medical, consumer-product and membership businesses. If it has contacted you, one of those businesses either placed or sold your account.
- Type
- Collection agency and debt buyer
- Also known as
- Omega RMS, LLC
- Headquarters
- Parkville, MO
- Collects
- student balances, medical bills, consumer product accounts, membership fees
- Phone numbers it lists
- (888) 378-7447
- Website
- omega-rms.com
213 debt collection complaints were sent to the Consumer Financial Protection Bureau about Omega RMS, 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 Omega RMS?
Omega RMS, LLC is based at 603 East Street, Suite 302, in Parkville, Missouri, a suburb of Kansas City. On its website, the company describes itself as a provider of contact campaigns, loan servicing, third-party receivables purchasing and collections, backed by more than 40 years of accounts receivable experience. Its site displays company NMLS #1115600 and a Nevada compliance manager license, and it shows ACA International and RMAi logos.
The company's consumer line is (888) 378-7447, staffed Monday through Friday from 7 a.m. to 5 p.m. Central. Its site also offers online payments, balance checks, and text enrollment.
Why Omega RMS May Be Contacting You
Omega's "Our Markets" section lists four areas: education, medical, consumer products and memberships. In practice, that means the account may be a tuition or training-program balance, a medical provider's bill, a payment plan for a product you bought, or an unpaid gym or club membership. Omega also says it purchases receivables, so in some cases Omega (or an affiliate) may own the account itself rather than collecting it for the original business.
How to Check a Debt Omega RMS Says You Owe
Membership and program contracts often have cancellation terms and early-termination fees that are worth checking line by line.
- Get the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should identify the original business, the current creditor, and how the balance grew from the itemization date.
- Dispute in writing within the validation period if you cancelled, never enrolled, or the amount is off. Collection must stop until Omega sends verification.
- Ask whether Omega owns the account or is collecting for someone else. If it was sold, ask for the chain of ownership.
- Pull out your contract or cancellation confirmation. Gym and program agreements often limit what can be charged after cancellation. For medical bills, compare against your insurer's explanation of benefits.
- Mind the statute of limitations. The general Texas deadline to sue on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004). A debt buyer cannot sue a Texas consumer on time-barred debt (Tex. Fin. Code § 392.307). Other states have their own deadlines.
What Omega RMS Can and Can't Do
When Omega collects accounts for clients, it is a debt collector under 15 U.S.C. § 1692a(6). When it buys defaulted accounts, whether it is covered turns on whether collecting debts is its principal purpose; Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), held that buying a debt does not by itself make a company a collector under the "regularly collects for another" prong. Either way, the Texas Debt Collection Act also applies to collection from Texas consumers.
- It may not collect fees or interest your contract does not allow (15 U.S.C. § 1692f(1)); see can a collector add fees.
- It must offer a simple opt-out in texts and emails (12 C.F.R. § 1006.6(e)).
- Seven-plus calls in seven days about the same debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
- For medical debts, licensed Texas health care facilities may not pursue collection until they send an itemized bill; see Texas SB 490.
We did not find a CFPB enforcement action against Omega RMS. Contact our FDCPA attorneys if you have questions.
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 Omega RMS 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
- Omega RMS: home page
- Omega RMS: About
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Omega RMS, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Omega RMS has violated any law. Company details change; tell us if something here is out of date.