SIMM Associates, Inc. is a Delaware accounts receivable management company that collects for organizations nationwide and has a dedicated estate and probate team. Hearing from it usually means a creditor placed your account, or a deceased relative's account, with it.
- Type
- Collection agency
- Also known as
- SIMM Associates, Inc.
- Headquarters
- Newark, DE
- Collects
- consumer accounts, estate and probate accounts
- Phone numbers it lists
- (866) 572-9376, (302) 283-2800, (866) 572-9374
- Website
- simmassociates.com
232 debt collection complaints were sent to the Consumer Financial Protection Bureau about SIMM Associates, 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 SIMM Associates?
SIMM Associates, Inc. is an accounts receivable management company at 800 Pencader Drive in Newark, Delaware. On its website, SIMM describes itself as a family-owned and family-operated company that has served clients and consumers for more than 35 years, with more than 225 employees across multiple locations. It lists memberships in ACA International, the Receivables Management Association International and the Mid-Atlantic Collectors Association.
The contact page gives a toll-free consumer line, (866) 572-9376; a corporate line, (302) 283-2800; and a separate probate and estate line, (866) 572-9374. The site identifies its messages as an attempt to collect a debt by a debt collector.
Why SIMM Associates May Be Contacting You
SIMM says it provides accounts receivable management services to organizations across the United States. It did not name specific clients or industries on the pages we reviewed. A letter or call from SIMM therefore usually means a creditor placed a past-due account with the agency.
One thing that sets SIMM apart is its estate and probate support. If a family member has died, SIMM may reach out to the estate's representative about the deceased person's account. Family members are generally not personally responsible for a relative's debts unless they co-signed or were joint account holders. The debt is normally paid, if at all, from the estate.
SIMM's site says resolution options may include one-time payments, monthly plans, and settlements when the creditor authorizes them.
How to Check a Debt SIMM Associates Says You Owe
- Read the validation notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34. It names the creditor and breaks down the balance.
- Dispute in writing within the validation period if you don't recognize the account. SIMM must stop collecting until it verifies the debt.
- Find out who owns the account. Ask whether SIMM is collecting for the original creditor or for a company that bought the account.
- For an estate account, ask SIMM to send the paperwork to the executor or administrator, and don't agree to pay from your own funds before you understand whether you are liable at all.
- Check the dates. Texas's general limitation period for suing on a debt is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states set different periods.
What SIMM Associates Can and Can't Do
Because SIMM regularly collects debts owed to others, it is a "debt collector" under 15 U.S.C. § 1692a(6).
- When it contacts the family of someone who has died, it may speak with the personal representative of the estate, but it may not suggest that relatives are personally liable when they are not (15 U.S.C. § 1692e; 12 C.F.R. § 1006.2(e)).
- It may not misstate the balance or add fees not allowed by the agreement or by law (15 U.S.C. § 1692f(1)).
- A settlement offer should be confirmed in writing before you pay.
- Seven or more calls in seven days about one debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).
We did not find a CFPB enforcement action against SIMM Associates. See what a validation notice must include, or talk to 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 SIMM Associates 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
- SIMM Associates: home page
- SIMM Associates: About
- SIMM Associates: Contact
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: SIMM Associates, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that SIMM Associates has violated any law. Company details change; tell us if something here is out of date.