Recovery Management Solutions (RMS) Collection on Your Credit Report? Fight Back and Win

Last Updated:
April 24, 2023

Is Recovery Management Solutions trying to call you, send you letters, or contact you in other ways? No one wants to feel constantly harassed or targeted by aggressive debt recovery and collections strategies. Unfortunately, it happens to millions of people every day. The steps to manage your credit and stop calls from Recovery Management Solutions are detailed below.

Is Recovery Management Solutions a Collection Agency?

Recovery Management Solutions is a debt collector working out of New York. Businesses and organizations attempt to collect debts on behalf of clients. Recovery Management Solutions will contact borrowers through phone calls, letters, or emails in most situations.

Is Recovery Management Solutions a Scam?

Recovery Management Solutions is not a scam, and this is a legitimate company. It doesn’t mean that every debt they attempt to collect from consumers is legitimate. There are a lot of situations where credit files may be mixed with someone else’s.

Other examples of illegitimate debt include identity theft, the same debt can appear more than once, or the client has fully paid their debt, but it stays on their credit report as an open account.

There are a lot of situations where Recovery Management Solutions and other debt collection companies incorrectly try to contact consumers. Still, if you find yourself in this situation, there are things you can do about it.

The company can be reached at:

  • Phone Number: 888-906-2259
  • Address: 485 Cayuga Rd. Suite 402, Cheektowaga, NY 14255+1368
  • Website:

Why Is Recovery Management Solutions Trying to Contact You?

If you’ve received a phone call, email, or any other type of correspondence from this company, they are trying to collect a debt they have in their system as unpaid. They are attempting to collect a debt on behalf of their client, so it’s not Recovery Management Solutions that you directly have the debt with, or at least you didn’t originally. 

If they are mistakenly trying to contact you about a debt that’s not yours or that you’ve already handled or paid, you might need to work with an attorney specializing in the Fair Credit Reporting Act (FCRA).

The FCRA is a broad federal law covering all U.S. consumers, giving you the right to transparency, fairness, and accuracy when it comes to your credit history and information. This includes how information is reported and used and who can and can’t access certain information about your financial history and credit situation. 

How Can I Deal with Harassment From Recovery Management Solutions?

Many consumers don’t realize they aren’t helpless against the harassment and the seemingly nonstop barrage of calls from debt collectors. Whether you owe a debt or it’s a mistake, federal protections limit how a debt collector can approach you and what they can and can’t say or do. 

Under the Fair Debt Collection Practices Act or the FDCPA, some of the things that a debt collection company can’t do, even when trying to collect an accurate debt, include:

  • Threaten you with violence or harm.
  • Use abusive language or profanity.
  • Contact you at certain times, such as the early morning or late at night
  • Try to mislead you or provide you with false information
  • Purposely try to harass or annoy you
  • Threaten you with arrest or jail
  • Make threats of certain legal actions
  • Be deceptive in their collection practices

If you’re in a situation where you’ve been dealing with Recovery Management Solutions and feel like they’re not following the law, start to document what you’re experiencing. Once you’ve taken those steps, you can send a cease-and-desist letter.

There are consumer protection agencies where you can file a complaint if the company continues to act in violation of the law or in a way that you feel is harassment or intimidation. 

Despite being subject to regulations under federal and sometimes state law, that doesn’t mean you should face aggression from these collection companies. An FDCPA attorney can provide you with guidance.

Who Is Recovery Management Solutions Trying to Collect For?

Recovery Management Solutions acts as a third-party debt collector working in many industries. The primary types of debts they say they try to collect are medical debt, credit cards and lines of credit, student loans, bail bond premiums, and civil judgments.

Steps To Get Recovery Management Solutions Off Your Credit Report

It can feel intimidating, overwhelming, and even scary when faced with constant contact from a debt collector. There are options available to you and steps you can take to get Recovery Management Solutions off your credit report, though.

  • First, check your credit reports from the three major credit bureaus for accuracy. If there are errors, speak to an FCRA attorney to determine the best steps for disputing these. 
  • It’s best to avoid speaking to a debt collector until you first consult with an FCRA attorney, because it can otherwise worsen the situation. 
  • Under the FCRA, you have the right to dispute incorrect information, and then the company that receives the dispute has to investigate it. 
  • Typically, once they receive a dispute, companies have 30 days to complete an investigation, but sometimes, it’s as long as 45 days. 
  • Once an investigation is completed, the wrong information should be removed or updated. 

An FCRA consumer protection attorney can handle all of these steps for you, so you don’t have to. 

Errors related to your credit are more common than you might think. In one relatively recent study, more than one-third of people asked to review their credit reports found errors. It’s not always easy to get these errors fixed, which is why an FCRA attorney can be a valuable resource for you. 

Get a Free Review of Your Case

You’ve found yourself in a situation where you believe Recovery Management Solutions is trying to collect a debt that’s not yours or you’ve dealt with. You might be tired of feeling like they’re constantly chasing you with phone calls. Our attorneys at Fair Credit can help you reclaim a sense of control in your life and finances. Get in touch today for a complimentary review of your case.

Ready to take action?

Don't let these companies get away with violating your rights and causing you financial & emotional distress.

Free Case Review