FAMS provides first- and third-party debt collection services built on 30+ years of experience, full FDCPA compliance, and a commitment to recovering your money without damaging your brand.
Every communication is legally compliant — protecting you from costly regulatory exposure.
Award-winning recovery rates recognized by major portfolio holders nationwide.
No flat-rate traps or percentage-gouging. Pricing built around your specific portfolio.
Debt collection has a reputation problem — but it doesn't have to be that way. At FAMS, we've spent over 30 years proving that professional, respectful collections achieves better recovery rates and better client outcomes than aggressive tactics ever could.
Whether you need first-party outreach that represents your brand or third-party collections on charged-off accounts, FAMS brings the compliance infrastructure, the trained staff, and the systems to recover what you're owed.
We represent your brand — professional outreach before accounts become delinquent.
Formal collections on charged-off or seriously delinquent accounts — fully compliant.
We locate debtors who have moved or changed contact details and re-engage for recovery.
When warranted, we coordinate legal escalation with appropriate counsel.
Every account is worked through a structured process designed to maximize recovery at each stage before escalating.
We review your accounts, prioritize by age and balance, and build a recovery strategy.
FDCPA-compliant notices and professional outreach across phone, mail, and digital channels.
We work with debtors to arrange payment — protecting your recovery while showing flexibility.
Full reporting on every account — recovered, arranged, disputed, or referred for legal action.
Multiple industry performance awards — recognized by major creditors for consistent results.
Named Compliance Agency of the Year — our processes protect you from FDCPA exposure.
No flat rates. No contingency gouging. Pricing that reflects your actual portfolio.
Professional tone calibrated to preserve client relationships wherever possible.
Your data is protected by enterprise-grade security controls — audited and certified.
Healthcare, education, financial services, government, telecom — we know your sector.
"We'd written off thousands of dollars in delinquent accounts. FAMS recovered a significant portion — and did it without a single client complaint."— Practice Manager — Healthcare Provider, Georgia
"FAMS gave us recovery rates we never achieved with the national agencies. And their compliance posture gave our legal team complete peace of mind."— VP of Finance — Financial Services Firm
Submit your portfolio for a free review. We'll tell you what's recoverable and what it will cost — no surprises, no obligation.