December 6, 2023

Fams Debt Collection: What You Need to Know

If you’ve been contacted by Fams Debt Collection, you may be wondering what your options are. Debt collection can be a stressful and overwhelming experience, but understanding your rights and the processes involved can help alleviate some of that stress. In this article, we’ll explore what Fams Debt Collection is, how they operate, and what you can do if you’re dealing with debt collectors.

Who is Fams Debt Collection?

Fams Debt Collection is a debt collection agency that operates in the United States. They specialize in collecting unpaid debts on behalf of creditors, such as credit card companies, medical providers, and banks. Fams Debt Collection has been in business for over 20 years and is based in Texas.

How Does Fams Debt Collection Work?

When a creditor is unable to collect a debt, they may hire a debt collection agency like Fams Debt Collection to pursue the debt on their behalf. Debt collectors will typically start by contacting the debtor via phone or mail to request payment. If the debtor fails to respond or make payment arrangements, the debt collector may escalate the situation by filing a lawsuit or reporting the debt to credit bureaus.


It’s important to note that debt collectors are regulated by federal law, and there are certain rules they must follow when attempting to collect a debt. For example, they cannot harass or threaten the debtor, make false statements, or disclose information about the debt to third parties. If a debt collector violates these rules, the debtor may be able to sue them for damages.

What Should You Do If You’re Contacted by Fams Debt Collection?

If you receive a call or letter from Fams Debt Collection, it’s important to respond promptly. Ignoring the debt collector will not make the debt go away, and it may result in more serious consequences such as a lawsuit or wage garnishment.

Here are some steps you can take if you’re contacted by Fams Debt Collection:

  1. Verify that the debt is yours: Ask the debt collector to provide written documentation that verifies the debt is yours. This could include a copy of the original creditor’s bill, a contract or agreement with your signature, or proof of the debt’s sale or transfer.

  2. Understand your rights: Debt collectors are required to provide certain disclosures, such as the amount of the debt, the name of the original creditor, and your right to dispute the debt. Make sure you understand your rights under federal law, and don’t be afraid to assert them if the debt collector violates them.

  3. Negotiate a payment plan: If you’re unable to pay the debt in full, you may be able to negotiate a payment plan with the debt collector. Be sure to get any agreement in writing and keep copies for your records.

  4. Seek legal advice: If you’re unsure about your rights or how to handle the debt, consider consulting with a consumer law attorney. An attorney can help you evaluate your options and determine the best course of action.


Dealing with debt collection can be a challenging experience, but it’s important to understand your rights and take action to address the debt. If you’re contacted by Fams Debt Collection, take the time to verify the debt, understand your rights, and explore your options for resolving the debt. With the right information and support, you can navigate the debt collection process with confidence.

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