CAFinancial Management Systems

Dispute Financial Management Systems in California

Your California rights against Financial Management Systems: SOL is 4 years for credit card debt. Garnishment capped at 25% or amount exceeding 40x min wage.

4 years

California credit card SOL

Rosenthal Fair Debt Collection Practices Act

State collection law

Common Financial Management Systems Violations

Adding unauthorized collection fees

Misrepresenting urgency of payment

Failing to provide proper validation notice

California Dispute Tips vs Financial Management Systems

FMS collects for government agencies — verify the debt with the original agency

Government debts may have offset provisions — understand your rights

Request a payment plan if the debt is valid — most agencies must offer one

California Protections

Rosenthal Act applies to ORIGINAL creditors too (not just collectors)

Strong wage exemptions — up to 75%

Community property state

2-year SOL for oral contracts

California Debt Laws

All protections in California

Financial Management Systems Overview

All violations & tips

Dispute Financial Management Systems in California — $9.99/mo