Skip to content
CP.
Español
Search Credit Proud

What are you trying to sort out?
Agency #34

Financial Asset Management Systems

First-party and third-party collection agency · Atlanta, Georgia

Phone-number answer

855-706-8200: is this a FAMS phone number?

855-706-8200 is listed on the FAMS PayOnline contact page for account, payment-plan, login, and call support. Caller ID can be spoofed: a matching number does not authenticate a caller or prove that you owe a debt.

What happened?

Choose the situation that fits. Keep a record as you go.

Wrong person

If the call is for someone else, say they have the wrong person and ask them to stop calling your number. Do not give sensitive identity or financial details to an unverified caller.

Log the date, displayed number, callback number, voicemail, and your request. If the collector claims you owe the debt, use a written dispute explaining that it is not yours.

Log wrong-person calls Dispute a debt that is not yours

For a written dispute, use the validation-period end date printed on the notice and keep proof of submission. If you have no notice, request the validation information; do not guess a deadline. A call or log entry does not replace that dispute.

Sources
  1. CFPB debt dispute rights — Consumer Financial Protection Bureau
  2. CFPB debt collection limits — Consumer Financial Protection Bureau
Unfamiliar debt

Ask for written validation information and compare the creditor, account reference, amount, and dates with your records. Do not confirm that you owe it or agree to pay while you are still checking.

Request the debt details Dispute an unfamiliar debt Keep a collector call log

An information request is not always a dispute. If you dispute the debt, say so in writing by the notice’s printed validation-period end date and keep proof. If the notice is missing, request it; do not guess a deadline or assume collection must pause.

Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. CFPB debt dispute rights — Consumer Financial Protection Bureau
Received a notice

Save the notice and envelope or original electronic message, and note when it arrived. Check the collector, creditor, itemized amount, account reference, and printed validation-period end date against your records.

If you dispute the debt or amount, send or submit a written dispute on or before that printed end date. Keep a copy and proof of when you sent it. A phone call or call-log entry does not replace a timely written dispute.

Build a validation dispute letter Track the notice and follow-up Check notice and deadline next steps
Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. Regulation F § 1006.38 dispute and original-creditor request rules — Consumer Financial Protection Bureau

Court papers? A validation letter does not replace a court response. Protect the court deadline first.

Check a payment link or existing payment plan
FAMS payment portal support
855-706-8200
FAMS public-site contact
888-918-5809

The company contact page also lists a sales email; this number is not identified there as account support.

End the incoming call and find a contact number independently through the company’s official website or your original creditor’s known contact channel. Check the written debt information separately before sharing sensitive information or paying. Why caller ID can be spoofed (FTC).

Sources for the phone answer
Sources
  1. FAMS payment portal contact — Financial Asset Management Systems
  2. Financial Asset Management Systems — Financial Asset Management Systems
  3. FTC phone scams and caller ID spoofing — Federal Trade Commission
  4. CFPB collector legitimacy checks — Consumer Financial Protection Bureau
  5. FAMS public-site contact — Financial Asset Management Systems

Financial Asset Management Systems (FAMS) is a debt collector that recovers accounts for clients — sometimes under its own name, sometimes under a client's — across schools, finance, government, healthcare, and phone or media companies.

Why this company appears here

FAMS has a long history with government and student-loan work, including GAO records tied to Department of Education student-loan collection — so borrowers often see its name.

Common account types

  • Education accounts
  • Financial-services accounts
  • Government receivables
  • Healthcare accounts
  • Telecommunications and media accounts

Check the company before you click or pay.

Match these details to the validation notice, credit report entry, and payment page before sharing account or bank information.

Legal name
Financial Asset Management Systems, Inc.
Known aliases
Financial Asset Management Systems, Inc. / FAMS
Official website
https://fams.net/
Consumer portal
https://fams.va.int001.com/login
Phone - FAMS payment portal support
855-706-8200
Phone - FAMS public-site contact
888-918-5809 The company contact page also lists a sales email; this number is not identified there as account support.
Mailing address
Financial Asset Management Systems, Inc., 429 Creekstone Ridge, Woodstock, GA 30188; FAMS contact and breach-notice records also list 665 Molly Lane, Suite 110, Woodstock, GA 30189
Last reviewed
June 18, 2026

A matching caller ID does not authenticate a caller: numbers can be spoofed. Find contact details independently through the official company website or your original creditor before responding. Separately verify the debt and any payment instructions in writing.

Identity sources
  1. Financial Asset Management Systems — Financial Asset Management Systems
  2. FAMS online payment portal — Financial Asset Management Systems
  3. FAMS payment portal contact — Financial Asset Management Systems
  4. FAMS Maine data breach notice — Maine Attorney General
  5. FAMS public-site contact — Financial Asset Management Systems

Find out who actually owns the account.

A collector, servicer, and debt owner are not always the same company. That affects what proof you should ask for.

Possible role: First-party collector, third-party collector, and recovery services provider

FAMS lists collection services done both under its own name and under clients' names, across several industries. Its payment portal plainly states that FAMS is a debt collection agency — so it's collecting on behalf of the account's owner.

  • Ask whether FAMS is contacting you as the original creditor's first-party representative, as a third-party collector, or through a government program.

  • For education or government accounts, confirm the underlying school, agency, servicer, or program before paying.

Role sources
  1. Financial Asset Management Systems — Financial Asset Management Systems
  2. FAMS online payment portal — Financial Asset Management Systems
  3. FAMS payment portal contact — Financial Asset Management Systems
  4. CFPB validation notice rules — Consumer Financial Protection Bureau

What official records say.

Each note below comes from a dated government, regulator, court, or SEC record. Use it as background, not as proof about your specific account.

  • A Maine Attorney General data-breach notice for Financial Asset Management Systems reported a March 31, 2023 external system breach affecting 10,055 people, including 52 Maine residents, with names and Social Security numbers acquired. The notice listed September 29, 2023 as the consumer-notification date.

    Source
    1. FAMS Maine data breach notice — Maine Attorney General

  • GAO denied a FAMS protest involving a Department of Education solicitation for student loan debt collection and administrative resolution services.

    Source
    1. FAMS Department of Education procurement protest decision — U.S. Government Accountability Office

Start with the facts you can check.

  • FAMS states that it does not provide language access services other than English; if you need language help, consider using written requests and independent translation support.
  • FAMS's public site currently links its payment menu to fams.va.int001.com, while famspay.com separately identifies itself as FAMS PayOnline and lists support categories such as trouble logging in, changing payment-plan information, account information, and call support.
  • Official records reviewed list both a Creekstone Ridge operations address and a Molly Lane address, so compare any mailing address with the written notice before sending documents or payment.

Confirm the account first.

Even a real collector can have the wrong person, wrong amount, old debt, duplicate placement, or incomplete records.

  • The collector name, mailing address, phone number, and website on the letter you received.
  • Who the original creditor was, who owns or placed the account now, the account number, balance, and date of last payment.
  • Whether the debt may be too old for a lawsuit in your state before you pay or promise to pay.
  • Whether the account appears on your official credit reports from AnnualCreditReport.com.
  • Whether this looks like the kind of account Financial Asset Management Systems commonly handles: Education accounts, Financial-services accounts, Government receivables, Healthcare accounts, Telecommunications and media accounts.
Put it in writing
Debt validation letter template Collector call log template
Sources
  1. Financial Asset Management Systems — Financial Asset Management Systems
  2. FAMS online payment portal — Financial Asset Management Systems
  3. FAMS payment portal contact — Financial Asset Management Systems
  4. FAMS Maine data breach notice — Maine Attorney General
  5. FAMS Department of Education procurement protest decision — U.S. Government Accountability Office
  6. CFPB validation notice rules — Consumer Financial Protection Bureau
  7. FTC debt collection FAQs — Federal Trade Commission

Questions people ask about Financial Asset Management Systems.

Use these answers to sort out roles, names, portals, and account details before responding.

Who is FAMS?

FAMS stands for Financial Asset Management Systems, Inc. The company says it was founded in 1993 and is headquartered in Atlanta, with call centers in Georgia.

Sources
  1. Financial Asset Management Systems — Financial Asset Management Systems
What kinds of accounts does FAMS handle?

FAMS lists education, financial services, government, healthcare, and telecommunications/media markets, along with first-party collections, third-party collections, and skip-and-collect services.

Sources
  1. Financial Asset Management Systems — Financial Asset Management Systems
Is famspay.com an official FAMS payment portal?

FAMS's public site currently links its payment menu to fams.va.int001.com/login. Famspay.com separately identifies FAMS PayOnline as operated by Financial Asset Management Systems and provides a support phone number. Use the URL on your written notice or start from fams.net before entering payment information.

Sources
  1. Financial Asset Management Systems — Financial Asset Management Systems
  2. FAMS online payment portal — Financial Asset Management Systems
  3. FAMS payment portal contact — Financial Asset Management Systems
Why is FAMS associated with student-loan collection searches?

A GAO decision involving FAMS references a Department of Education solicitation for student loan debt collection and administrative resolution services. That public record supports FAMS historical involvement in that procurement context, not proof about any specific consumer account.

Sources
  1. FAMS Department of Education procurement protest decision — U.S. Government Accountability Office
Keep comparing

Collectors with similar accounts

All profiles
#07 / Vadnais Heights, Minnesota

IC System

IC System is a long-standing, family-owned debt-collection company that collects for clients across healthcare, government, banking, and...

View profile
#49 / Harrisburg, Pennsylvania

National Recovery Agency

National Recovery Agency is the consumer-facing name used by NRA Group, a nationwide receivables company offering first-party,...

View profile
Advertisement · optional partner tool

Put the report in working order

CreditHusky turns a credit report into items to review, facts to check, letters you approve, and deadlines you can follow — all in one workspace.

Start free check Sponsored link · CreditHusky is an independent service

Before sharing a credit report or identity details: CreditHusky is a separate service with its own data practices. Review its privacy and security notes, use a trusted device and network, and upload only what the task requires.

Credit Proud is an educational resource, not a credit bureau, debt collector, government agency, or law firm. We do not provide legal advice or promise a specific credit outcome.