Recovery Management Solutions LLC is a collection agency in Cheektowaga, New York, near Buffalo, that opened in 2015. Its BBB listing describes work on past-due medical debt, commercial accounts and unpaid civil judgments.
- Type
- Collection agency
- Also known as
- Recovery Management Solutions LLC; RMS
- Headquarters
- Cheektowaga, NY
- Collects
- past-due medical debt, commercial and business debt, non-performing civil judgments
- Website
- recoverymanagementsolutionsllc.com
52 debt collection complaints were sent to the Consumer Financial Protection Bureau about Recovery 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 Recovery Management Solutions?
Recovery Management Solutions LLC, which also uses the initials RMS, is a collection agency at 485 Cayuga Road, Suite 402, in Cheektowaga, New York. Its Better Business Bureau listing gives a start date of April 9, 2015 and names two managing members and a chief compliance officer. A case study published by PDCflow, a payment-software company the agency uses, gives the same opening date and says the agency started as a two-person operation. At the time of that case study it had about 25 collectors and was licensed in 42 states.
In March 2021 the Commercial Law League of America added Recovery Management Solutions to its list of certified commercial collection agencies, a program that involves an independent audit. We could not read the agency's own website (recoverymanagementsolutionsllc.com), so use the phone number and address printed on your letter.
This company is different from Recovery Management Services, Inc., which has its own profile, and from unrelated repossession firms with similar names.
Why Recovery Management Solutions May Be Contacting You
The BBB listing describes three lines of work: commercial and business debt, past-due medical debt, and "non-performing civil judgments," meaning judgments a creditor won in court but never collected. For an individual, the likeliest reasons for contact are an unpaid medical bill or an old court judgment. If you don't remember a lawsuit, ask which court entered the judgment and when, then look it up yourself.
How to Check a Debt Recovery Management Solutions Says You Owe
- Demand the basics in writing. RMS must send a validation notice that names the creditor and itemizes the debt (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If you dispute in writing within the validation period, it must stop collecting until it verifies the debt.
- For a medical bill, get the provider's itemized statement and your insurer's explanation of benefits. Texas requires an itemized bill before many medical debts go to collection; see our SB 490 summary.
- For a judgment, get the case number and a copy of the judgment. Check the judgment amount, the post-judgment interest rate, and credit for any payments.
- Check timing. For a debt that hasn't gone to court, Texas generally allows four years to sue (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Judgments follow different rules, and other states set their own periods.
What Recovery Management Solutions Can and Can't Do
When it collects consumer debts for others, RMS is a debt collector under 15 U.S.C. § 1692a(6). Purely commercial debts fall outside the FDCPA. For consumer accounts:
- It may not contact your relatives or employer to discuss the debt. It may contact them only to find your address or phone number, under strict limits (15 U.S.C. §§ 1692b, 1692c(b)). See can a collector contact my family or employer?
- It may not threaten to garnish Texas wages for an ordinary consumer judgment, which Texas law does not allow (Tex. Const. art. XVI, § 28).
- It may not misstate the amount of a judgment or add interest the judgment doesn't allow (15 U.S.C. §§ 1692e(2), 1692f(1)).
- It must keep collection calls to seven in seven days per account (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against Recovery Management Solutions. For questions about an RMS contact, reach our FDCPA attorneys.
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 Recovery Management 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
- BBB business profile: RMS / Recovery Management Solutions LLC (facts only)
- PDCflow case study: Recovery Management Solutions
- Commercial Law League of America press release, March 25, 2021
- CFPB enforcement actions search: Recovery Management
- CFPB Consumer Complaint Database: Recovery 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 Recovery Management Solutions has violated any law. Company details change; tell us if something here is out of date.