DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Ohio
OHFinancial Management Systems

Dispute Financial Management Systems in Ohio

Your Ohio rights against Financial Management Systems: SOL is 6 years for credit card debt. Garnishment capped at 25% of disposable earnings.

6 years

Ohio credit card SOL

Ohio Consumer Sales Practices Act

State collection law

Common Financial Management Systems Violations

Adding unauthorized collection fees
Misrepresenting urgency of payment
Failing to provide proper validation notice

Ohio 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

Ohio Protections

CSPA provides additional remedies
8-year SOL on written contracts (longer than most)

Ohio Debt Laws

All protections in Ohio

Financial Management Systems Overview

All violations & tips

Dispute Financial Management Systems in Ohio — $9.99/mo