Dispute Financial Management Systems Utility Debt in Rhode Island

Financial Management Systems is collecting utility debt in Rhode Island where the statute of limitations is 10 years. Average utility debt: $800. Garnishment limit: 25% of disposable earnings.

10 years

Statute of Limitations

$800

Average Utility Debt

25% of disposable ea

Garnishment Limit

Known Financial Management Systems Violations

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

Dispute Strategies

File complaint with state Public Utility Commission
Request billing audit and meter verification
Apply for utility assistance programs (LIHEAP)
Dispute estimated vs actual billing
Challenge reconnection fees if disconnect was improper

Rhode Island Protections

RI Deceptive Trade Practices Act. File complaints with: AG Consumer Protection.

• Very long 10-year SOL for all debt types
• First $50 per week of wages exempt

Rhode Island Laws Financial Management Systems Utility Debt

Dispute Now — $9.99/mo