Who is calling me from 281-670-1575?
FMA Alliance Ltd is calling you from 281-670-1575. FMA Alliance is calling you because they claim you have a debt, either a current debt or a debt that has been sold, transferred, or assigned to them by another creditor. FMA Alliance is a third-party debt collection company. This means they are not the original company you had an agreement or business with.
Why is that important? Because that means when a debt collector calls you, they don’t have any direct connection to you or your debt. All they have is what is in the file they purchased. And more often than not, the information in that file is either incomplete, inaccurate, or both.
FMA Alliance Ltd Information
Business Name: FMA Alliance, Ltd. (FKA Financial Management Associates)
Business Type: Third-party debt collector and first-party servicer
Business Start Date: July 8, 1983
Business Address: 11410 Greens Crossing Blvd., Suite 100, Houston, TX 77067
Business Alternate Location: Longmont, Colorado and Lawrence, Massachusetts
Business Estimated Employees: 501–1,000
Business Estimated Annual Revenue: $88.2 million
Industry: Healthcare, financial services, student loans, government collections, call center services
Better Business Bureau (BBB) Rating: A+ (accredited since February 2013)
Business Notable Clients: Memorial Hermann Hospital System, Upstart (fintech lender), Fortune 500 banks, federal and state government agencies
Other people getting calls from 281-670-1575
FMA Alliance has been sued in at least 14 federal and state court cases. The majority of those cases were related to alleged violations of the Fair Debt Collection Practices Act (FDCPA). Among the claims were allegations that FMA Alliance:
Created and communicated false deadlines for settling debts in an effort to pressure consumers into making payments
Refused consumers the option to verbally dispute debts
Failed to include legally required disclosures in collection notices
Reached a settlement in at least one case, in North Carolina
Was sued in one case for sharing personal consumer information with an unauthorized third-party vendor that generated collection letters
The phone number, 281-670-1575, has been identified as a scam number by RoboKiller, which has received more than 6,284 complaints about calls from that number. Nomorobo first identified the number as a robocaller in June 2019, meaning that number has been in use for nearly seven years.
Why is FMA Alliance Ltd calling me?
How debts wind up with FMA Alliance
When you fail to pay a bill, the original creditor will try to collect on it for a few months. After that, the account is either placed with a third-party collection agency, such as FMA Alliance, or sold outright to a debt buyer. FMA Alliance performs both functions. It collects debts on behalf of creditors that range from hospitals and banks to the government. And it also services debts purchased by debt buyers, such as JH Portfolio Debt Equities LLC.
In most cases, by the time a collection agency calls you, the original creditor has already charged off your debt. That means the creditor has written off the debt as a loss on its books. That’s an important distinction because it means the company that extended the original credit to you has already absorbed the loss of your debt. The collection agency on the phone with you either paid a fraction of your debt’s face value for your account or is collecting a commission on your debt.
The paperwork rarely follows a debt
Debts may change hands multiple times, but the paperwork almost never follows. Account numbers are transposed. Balances are inflated with fees the original creditor never authorized. And sometimes, the debt belongs to someone else entirely.
“I just received a call from this number and it was FMA Alliance,” a consumer reported on EveryCaller. “They call at least twice a day every day looking for a person that has never been a patient of the hospital they are collecting for this debt. I have told them over and over that they have the wrong person and the calls still continue.”
This is not an isolated incident. It’s a systemic problem with debt that has been sold or transferred: There’s often no paper trail to validate the debt. And the space between what a debt collector claims you owe and what they can prove you owe is where your leverage lives.
Their go-to tactics
False deadlines
One of FMA Alliance’s favorite tactics, according to consumers, is using arbitrary deadlines to create a false sense of urgency.
In 2019, a class-action lawsuit was filed against FMA Alliance in Wisconsin. The suit claimed FMA Alliance sent letters to consumers making settlement offers that had to be accepted within 15 days. The letters framed the offers as limited-time opportunities, according to the lawsuit, which contended the deadlines were false because the settlement offers were actually open-ended and designed to coerce consumers into paying.
That’s a classic tactic. When a debt collector gives you a deadline to respond to an offer, it’s trying to get you to react out of fear instead of knowledge. It’s hoping you won’t have time to verify the debt. And in most cases, the deadline is meaningless.
Threats to your credit score
Debt collectors often threaten that if you don’t pay, they’ll ruin your credit score. But the truth is more complicated.
On its BBB profile, FMA Alliance says it is not a data furnisher to the credit bureaus and does not report information to your credit file. So any threat of damaging your credit score through FMA Alliance may be an idle one.
What consumers are saying about calls from 281-670-1575
Robocalls
“A ton of calls from this number,” a consumer reported on 800notes. “It’s ridiculous. I answered once. Nothing. Then they hung up. They just dial and dial and dial until someone answers the phone. If nobody’s available, they hang up.”
The pattern described aligns with complaints from former FMA Alliance employees. “The dialer is always messed up,” an employee wrote on Glassdoor.
FMA Alliance uses a predictive dialing system that dials more calls than the company has agents available to field them, which is why consumers experience silent or abandoned calls.
The company operates dozens of phone numbers in the 281-670-xxxx exchange, making it nearly impossible for consumers to block the calls.
Paying doesn’t always make it go away
“I contacted FMA Alliance to pay a settlement offer they extended to me in the amount of $677.23 and requested a receipt of such payment,” a consumer complained to the BBB in November 2025. “The receipt was never received. I attempted to access my account online to verify the payment. The payment was not reflected on the account; however, the balance due was reduced by the settlement amount they extended to me, and now they are offering another settlement for the remaining amount due.”
“I paid my balance off months ago,” another consumer wrote to the BBB, “and cannot seem to get them to send me a simple letter stating such.”
In both cases, consumers reported that once they paid, it didn’t resolve the issue. Instead, in one case, FMA Alliance stopped reflecting the payment and started dunning for more money. In the other, the consumer couldn’t get the company to acknowledge the account was satisfied.
You have more rights than you know
Lessons from the FDCPA and FCRA
The federal Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from engaging in deceptive, abusive, or unfair practices. The federal Fair Credit Reporting Act (FCRA) gives consumers the right to dispute any item on their credit report and obligates whoever is reporting that information to verify it or have it removed.
But state-level exemptions mean consumers are protected from many of the dire outcomes debt collectors threaten them with. Most wages, benefits, and assets are exempt from garnishment. Debt collectors never tell you that.
Removal is the best outcome
Most consumers only consider three outcomes when dealing with a debt collector: paying the debt in full, negotiating a settlement, or ignoring the debt altogether. There is a fourth option consumers seldom hear about: removal of the debt from your credit report altogether.
Removal is the best possible outcome because it removes the negative item entirely from your report instead of replacing it with a paid collection, which still negatively affects your credit score.
And removal is possible because debt collectors often can’t verify a debt when they buy it. If you challenge the debt through a formal dispute, and the collector can’t verify the debt with complete and accurate documentation, the credit reporting agencies are obligated to remove it from your report. The original creditor already took the loss when it charged off your debt. The debt collector may not have a legitimate claim to your debt. And you have the right to challenge any claim it does make.
Want to make the calls stop?
Your best bet with FMA Alliance is not to engage with the company at all. If you call a debt collector back, even to tell it to leave you alone, you may inadvertently restart the clock on your debt and provide information the collector can use against you.
Instead, your best bet is to dispute the debt as part of a formal challenge under your rights afforded by the FCRA and FDCPA.
A formal dispute requires the debt collector to verify every aspect of the debt it claims you owe. And if it can’t produce the original documentation for your debt, the account must be deleted. Given the problems with documentation that are inherent with debts that are bought and sold, that’s not only possible but likely for many consumers.
Not sure where to start? Let us help.
If you’re getting calls from 281-670-1575, you don’t have to answer. And you don’t have to deal with FMA Alliance on your own.
At FightCollections.com, we specialize in helping consumers like you push back on debt collectors and challenge inaccurate, unverifiable, and erroneous information on their credit reports.
We know all the games debt collectors play. We know your rights under the FDCPA and FCRA. And we know how to make the most of the documentation holes in debts that are bought and sold.
Head to FightCollections.com today to find out how we can help you gain control of your credit report and end unwanted collection calls.