Skip to content
Debt Collection
Free Legal Help

Updated on Author: Contributor: Sergei Lemberg

Is FMA Alliance Ltd Calling You?*

Stop the

You have legal rights. We can help.


Is FMA Alliance Ltd calling you? Protect your rights!

When debt collectors are on the back, hearing the phone ring can cause your stress levels to skyrocket.

It’s bad enough that you owe money, but when the debt collectors are rude and hostile, you might be tempted to declare personal bankruptcy to stop the harassment.

Before you give serious thought to that option, be aware that such behavior on the part of debt collectors is against the law.

You don’t have to put up with abuse because you owe money to someone, nor do you need to tolerate aggressive debt collectors calling at all hours and treating you poorly.

If a debt collector is harassing you, you do have legal recourse and you can take debt collectors who use unethical scare tactics to court.

The Fair Debt Collection Practices Act (FDCPA) was passed into law by Congress in 1977, and it regulates what third-party debt collectors may say or do when trying to obtain debt payments from you.

FMA Alliace ltd Harassment Lawyer

Activities like the following are prohibited and can result in expensive fines if you pursue the matter in court:

  • Calling you before 8:00 a.m. or after 9:00 p.m. in your time zone, or calling you several times per day
  • Using profane and obscene language
  • Talking to uninvolved third parties like your friends and co-workers that you owe money
  • Threatening to have you arrested or send the sheriff over to seize your house if you don’t pay
  • Demanding an amount that is not supported by law or the original debt agreement
  • Contacting you even after you’ve ordered them to cease communications

Alleged Violations against FMA Alliance Ltd*

FMA Alliance Ltd is a collection agency located in Houston, Texas. It was established in 1983, has a small staff of under 10 employees, and collects debts in Texas, Massachusetts, Colorado, Minnesota, New York, North Carolina and Tennessee.

Records archived at the PACER (Public Access to Court Electronic Records) website confirms that FMA Alliance Ltd has been accused of violating the FDCPA during its debt collection attempts.

On or about December 4, 2014, a New Jersey resident received a collection letter from FMA Alliance Ltd about an alleged debt.

The letter stated in part, “As of the date of this letter you owe $3384.15. Because of interest and other charges assessed under your account agreement, the amount you owe may continue to increase.”

The plaintiff felt that this letter failed to properly disclose the amount of the debt, as it stated that the current balance may increase, causing him to be uncertain of his rights and leaving him confused as to the total amount owed now or in the future.

Another letter, received in February 2015, made the same statement. The plaintiff responded by hiring a consumer attorney and filing a class action lawsuit accusing FMA Alliance Ltd of the following FDCPA violations:

    ● Misrepresenting the character, amount, or status of the debt
    ● Misrepresenting the amount actually owed
    ● Threatening legal action that it did not intend to take
    ● Using false and deceptive means to collect or attempt to collect a debt

The matter was later dismissed.

The phone numbers for FMA Alliance Ltd are 1-800-955-5598 and 1-281-931-5050. If you see either one on your caller ID, it means that a debt collector may be trying to contact you about a debt you allegedly owe.

If the collection communications are vague regarding the amount demanded and your rights, see a consumer attorney.

A lack of clarity and transparency in debt collector communications is against the law, and you could win $1,000 per FDCPA violation, as well as court costs and attorney fees. If debt collectors become so eager to get your money that they forget your rights, the law will force them to remember.

*Case taken from PACER ( File number is 2:15-cv-08618-MCA-MAH from United States District Court, District of New Jersey.

Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against FMA Alliance Ltd or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributor: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributor: Sergei Lemberg
Be the first to comment

Leave a Comment

Write a comment below to share your experience. Or, instead you can send a secure message to our legal team.
Email & phone number are required to block spam, but will not be published.

Briefly describe your experience

Briefly describe your experience

What’s your name?

What’s your name?

What’s your email address?

Please enter a valid email address.

What’s your phone number?

Please enter a valid phone number.

Want to know if you could sue? Get a free legal evaluation.

Free Case Evaluation

    1. Please fill out your contact information:
    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.


      By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.