866-282-2816

I believe this was a scam, and the person was very rude and will not give me any information to why he called.

They call everyday asking for Angela.They called me at 7:15 am This morning I told her this was not Angeles phone please put me on the Do Not Call list she told me they don't have a do not call list and hung up I called back after speak to a supervisor or manager she put some guy on the phone I'm telling him what's going on he says that's not his problem they need to speak to Angela I get smart with him and say some off the wall stuff to him and he tells me that he works for social services and that I just earned myself an extra $500 for food stamps because I want to act like a ratchet b****...I'm pissed to the max!

They are claiming I didn't pay a payday loan from 5 years ago and telling me I'll get served papers etc etc etc then was very very pushy to get my card info all they would say is that they were working for FMS that is the company name no more info was given to me

All debt collectors are required by law to send you a DEBT VALIDATION. This is sent through the USPS ONLY (email, text, faxes, carrier pigeons, smoke signals...none of those count) and state when you incurred the debt, to whom you owe the original debt, and how to proceed should you not recognize the amount.
This must be sent within 5 days of the first time the company attempts to contact you.
REAL DEBT COLLECTORS SEND THIS. Scammers do not.

A few other things to know-
-You cannot be arrested for ordinary debt in the United States.
-Process servers do not call in advance. They only get paid if they deliver you papers the court (not a private company) has ordered be delivered, and if you flee, they don't get paid. Therefore, they do not call ahead of their arrival.
-Likewise, officers do not call you to tell you they will be arresting you. Why would they?

http://www.consumer.ftc.gov/articles/0149-debt-collection
This link contains all the rules debt collectors must follow, and includes links where you can report criminals who choose not to follow the law.

They called and asked me if I was served and this company FMS LLC I can't find any info on them

Because they're probably ghosts in the wind.
Unless the follow the letter of the law, they're just extortionists.

Actually the law does not dictate how a VOD (Validation of Debt), can be sent. The most common practice is through the mail system, but it is not required to be sent in this format. Bill Collectors do have the right to expedite the process through email, fax etc. Also, once the VOD has been sent to you and the thirty day dispute period has expired, they are not required to send you an additional notice, even upon your request. In most cases of collections, you have gone through several agencies, all of which have sent notification to you, however most people ignore the document as if it was junk mail. You should open all mail that is addressed to you, to defray this issue.

But the thing is I cannot find anything on this company and I know 5 years ago I paid everything and they are threatening me with court back in the state I lived in 5 years ago

Read the past to LOL they are seriously calling me 5-6 times back to back

Just because someone on the phone calling you says you owe a debt does not mean you actually owe it.

If a voice on the telephone claims you owe a debt:

1.    Demand the person give you his or her name, company name, and address
2.     Demand a debt validation letter by US mail.  E-mail no good.
3.    Do not pay  the collection agent or anyone else a  dime until the debt is validated

Of course they won’t do this, no scammer ever will, so simply ignore them and block their calls.

If they are bothering you, report them:

http://www.consumer.ftc.gov/articles/0149-debt-collection (Threatening civil proceedings with no intent to follow through, or threatening criminal process in order to collect a civil debt is a  violation of the Federal Fair Debt Collection Practices Act.)

Also contact your local attorney general

If they continue to bother you,  and you know you do not owe any money, tell them that you know this is  a debt scam and that you are making a complaint to the police for extortion.  Once you get a copy of the police report and they call you again , just read out the  file number and the name of the PD or Sheriff’s office involved.   Tell them you’ll be glad to send a copy to them at whatever address the jack***es are working out of now.

You'll probably have to yell at them and talk over them.  Tell 'em  no scammy debt collector is going to push you around.

You have to get tuff with these people because,  being akin to thugs, brute force is (metaphorically speaking).   the only thing they understand.

Most likely this group:

https://www.fmsdc.com/home
Financial Management Systems  (FMS)
866-430-9331
1701 Golf Road
Suite 2 - 150
Rolling Meadows, Illinois 60008
Contract Information:  http://elibrary-test.fas.gsa.gov/ElibMain/con ... executeQuery=NO
________________________________________
BBB ACCREDITED BUSINESS SINCE 11/01/2010
FMS Investment Corp
Find a Location
Phone: (800) 605-9817
Fax: (800) 889-3002
View Additional Phone Numbers
1701 Golf Rd STE 2-150, Rolling Meadows, IL 60008-4227
Send email to FMS Investment Corp
www.fmsdc.com
View Additional Web Addresses
FMS Investment Corp BBB® Accredited Business SealBBB® Accredited A+ Rating
On a scale of A+ to F

I get dozens and dozens of calls with illegal arrest threats for an Amy. I have blocked over 80 different numbers from scam debt collectors from all over the country, all looking for Amy. I found this Amy and apparently she was a victim of identity theft many years ago and the criminals used my phone number in thier fraudulent activity using Amy's identity.

Lol. I got called a ratchet b**** as well. I spoke with Jarrett James (probably not his real name). Definitely a scam. Considering this mr. James character continues to call my phone from an unknown number over and over again. Him and I went back and forth for a while. Then I just started ignoring the calls. They called my parents number telling them I wrote a fraudulent check and was going to jail. Lol, clearly not the way the legal system works. Anyway, my attorney is giving them a call this afternoon. My advice, ignore the call.

I filed a complaint against them with my states dept of trade and consumer protection. FMS continued to contact me after the investigator sent them a letter. They finally responded back and said that they closed my file they had and the only info that was listed was 877-282-2816, a fax # 716-823-2002 and an email address
Customerservice@financialmanagementsolutions.com

They called me also - the man was exceptionally rude and threatening. It was from a pay day loan taken out over 5 1/2 years ago and I did not even remember it. He said "I thought he was beneath him" - when I was only trying to get off the phone to get back to work, since I'm not allowed personal phone calls.

This person is now calling my work phone, shouting at me to get my supervisor and threatening me.  He's now calling from (613) 318-3189

Let him know the next time he calls he is calling on a recorded line and you intend to have him and his employer prosecuted for (among other things), making illegal threats and harassment. Make sure your employer sees this thread.

How can I verify whether or not a debt collector is legitimate?
Here are a few warning signs that could signal a debt collection scam:

The debt collector threatens you. Legitimate debt collectors probably won't claim that they'll have you arrested or claim that they or their employees are law enforcement officers.

The debt collector refuses to give you information about your debt or is trying to collect a debt you do not recognize. You have certain rights to ask a debt collector to verify the debt. You can use this sample letter to request this information. Ask for an explanation in writing before you pay.

The debt collector refuses to give you a mailing address or phone number.

The debt collector asks you for sensitive personal financial information. You should never provide anyone with your personal financial information unless you are sure they're legitimate.
If you think that a caller may be a fake debt collector:

Ask the caller for his or her name, company, street address, telephone number, and professional license number. Many states require debt collectors to be licensed. Check the information the caller provides you with your state officials, or the state in which the debt collector holds a license. If the caller refuses or is unable to provide you with information about his company, or if you can’t verify the information he provides, do not give money to the caller or company.

Tell the caller that you refuse to discuss any debt until you get a written "validation notice." This notice must include:
The amount of the debt
The name of the creditor you owe
A description of certain rights under the federal Fair Debt Collection Practices Act
If a caller refuses to give you all of this information, consider requesting this information in writing or seeking assistance before paying the debt to make sure the debt, and the company, are valid.

Tip: You can consider sending the collector a letter requesting the information by using one of the CFPB's sample letters. You can also submit a complaint to the CFPB or you can contact your state Attorney General’s office.

Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know the company or person you are talking with is a real debt collector. Scam artists, like fake debt collectors, can use your information to commit identity theft such as:
Charging your existing credit cards
Opening new credit card or checking accounts
Writing fraudulent checks
Taking out loans in your name

Contact your creditor. If the debt is legitimate – but you think the collector may not be – contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.

Report the call. Submit a complaint with the CFPB or get in touch with your state Attorney General's office with information about suspicious callers.

Stop speaking with the caller.If nothing else works and you believe the calls are fraudulent, send a letter demanding that the caller stop contacting you, and keep a copy for your files.

Tip: You can use this sample letter to write a letter demanding the debt collector stop contacting you. By law, real debt collectors must stop calling you if you ask them to in writing.

Tip: If you're having trouble with debt collection, you can submit a complaint with the CFPB online or by calling (855) 411-CFPB (2372).

http://www.consumerfinance.gov/

This number is harassing me threadting to send officers with warrant. I want info as to who they are so I can sue the hell out of these crooks

Nope, sorry to say your not correct on that.  Neither phone, fax, text or email are valid proof a debt owed. especially the email, those you have to get a court order for!

Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall* ) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer’s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."

See CWG40's post above. The information your seeking is there in his post above.

To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
https://consumercomplaints.fcc.gov/hc/en-us
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.creditcards.com/credit-card-news/c ... ations-1282.php
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.

Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://www.fair-debt-collection.com/debt-collectors-list.html
https://www.ftc.gov/news-events/press-release ... rtners-announce

Follow the steps in what you need to know here:
https://800notes.com/arts/Jb8EW-eDhQA/harassi ... ou-need-to-know
See Residents post here also:
https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
https://www.consumer.ftc.gov/blog/dont-recognize-debt-heres-what-do
Templates of Letters:
https://800notes.com/Phone.aspx/1-319-242-7350

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
http://www.consumer.ftc.gov/articles/0149-debt-collection