Is Southern Management Systems Hurting Your Credit?

Who is Southern Management Systems?

Southern Management Systems, Inc. (SMS) is a debt collection agency located in Orlando, Florida. Their role involves recovering debts on behalf of various businesses.

If you find SMS listed on your credit report as a collections account, it indicates an outstanding debt that SMS is attempting to collect on.

Who does Southern Management Systems collect for?

Southern Management Systems provides debt collection services for property management companies of varying sizes across the country. They handle debts related to properties, likely including unpaid rents, damages, or other associated fees.

Is Southern Management Systems legit or a scam?

Southern Management Systems is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove Southern Management Systems from my credit report?

Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.

If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.

Southern Management Systems, Inc. (SMS) Contact Information

Address:

Southern Management Systems, Inc.
625 Herndon Ave Ste C
Orlando, FL 32803

Mailing address:

Southern Management Systems, Inc.
PO Box 149966
Orlando, FL 32814

Phone number: (407) 895-7100

Should I contact or pay Southern Management Systems?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with Southern Management Systems is to work with a credit repair professional. They help remove millions of negative items every year from companies like Southern Management Systems on behalf of their clients.

Will Southern Management Systems sue me or garnish my wages?

Southern Management Systems, Inc. (SMS) has the legal right to sue for unpaid debts. If they win the lawsuit and secure a judgment against you, they could potentially have the right to garnish your wages or levy your bank account, depending on the laws in your state or jurisdiction.

However, lawsuits are generally considered a last resort due to their costliness and time-consuming nature. Therefore, SMS will likely try to negotiate a payment plan or a settlement agreement with you first.

Southern Management Systems, Inc. Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with Southern Management Systems, Inc.

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

• It is a violation of federal law for Southern Management Systems to report inaccurate or incomplete information about you.
• You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
• Southern Management Systems, Inc. cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
• Southern Management Systems must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
• Southern Management Systems cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove Southern Management Systems From Your Credit Report Today!

Credit Saint offers assistance with disputing Southern Management Systems collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.

If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.

Visit their website or call (855) 281-1510 for more details.