RMS-Recovery Management Services, Inc. is an Illinois collection agency founded in 1998 that works only on higher education debts. If it contacts you, the account is likely a Perkins Loan, health profession loan, school loan or unpaid student account.
- Type
- Collection agency
- Also known as
- RMS-Recovery Management Services, Inc.; Recovery Management Services, Inc.; RMS
- Headquarters
- Warrenville, IL
- Collects
- Perkins Loans, health profession loans, institutional student loans, student account receivables
- Phone numbers it lists
- (800) 900-3944
- Website
- rmscollects.com/rms
66 debt collection complaints were sent to the Consumer Financial Protection Bureau about RMS-Recovery Management Services, Inc. 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 RMS - Recovery Management Services?
RMS-Recovery Management Services, Inc. is an accounts receivable management company at 4200 Cantera Drive, Suite 211, in Warrenville, Illinois, west of Chicago. It was founded in 1998 and says it works "exclusively in the area of higher education debt collections." Its collectors are ACA-certified, and it publishes a Nevada collection agency license (CAD11752, NMLS 932084). Several unrelated companies use "RMS" or "Recovery Management" in their names, so check the Warrenville address on your letter. We did not find a CFPB enforcement action against RMS - Recovery Management Services.
Why RMS - Recovery Management Services May Be Contacting You
RMS collects for colleges and universities on four kinds of accounts: Perkins Loans, health profession loans, institutional loans and student receivables. That means a call or letter from RMS is likely about one of these:
- a Federal Perkins Loan that your school still holds and services;
- a nursing, medical or other health profession loan made through your school;
- a loan the school made from its own funds;
- unpaid tuition, fees, housing or other charges on your student account.
RMS is a private agency working for schools, not the U.S. Department of Education.
How to Check a Debt RMS - Recovery Management Services Says You Owe
School debts can be hard to trace years later, so ask the right questions.
- Read the validation notice naming the school and itemizing the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- Dispute in writing within the validation period. Ask for the promissory note, the disbursement record, the payment history and any collection costs added.
- Find out which loan program it is. Perkins and health profession loans may have deferment, cancellation or rehabilitation options that a school account does not.
- Check student-account charges against your financial aid award and any refunds.
- Be careful with limitations. Texas generally allows four years to sue on a debt (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, including Perkins Loans, generally have no statute of limitations (20 U.S.C. § 1091a(a)). Other states set their own periods for other debts.
What RMS - Recovery Management Services Can and Can't Do
A private agency collecting student debts owed to schools is a "debt collector" under 15 U.S.C. § 1692a(6).
- It may not misstate whether your loan can be discharged, deferred or rehabilitated, or misrepresent its legal status (15 U.S.C. § 1692e(2)).
- It may not threaten wage garnishment or tax refund offsets unless the school can lawfully use them on that loan and actually intends to (15 U.S.C. § 1692e(5)). For federal involuntary collection, see the 2025–2026 student loan collection changes.
- It may not add collection costs your promissory note or the law does not allow (15 U.S.C. § 1692f(1)).
- It may not call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
If its conduct worried you, 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 RMS - Recovery Management Services 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
- RMS - Recovery Management Services: home page and licensing
- RMS - Recovery Management Services: About
- CFPB Consumer Complaint Database: RMS-Recovery Management Services, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that RMS - Recovery Management Services has violated any law. Company details change; tell us if something here is out of date.