Frequently Asked Questions | Capital Management Services
Transparent Answers for Consumers and Clients
At Capital Management Services (CMS), we believe clear communication is key to resolving financial matters respectfully and efficiently. Below are answers to some of the most common questions we receive from consumers about our services, your rights, and how to work with us.
General Information
Capital Management Services, LP is a professional, nationally licensed debt collection agency and customer service call center based in Buffalo, NY. We provide recovery solutions, BPO services, and special project support for financial institutions, lenders, and service providers.
Yes. CMS is a fully licensed and compliant collection agency with decades of experience serving regional and national creditors. We are a member of ACA International and meet rigorous data security standards, including SOC 2 Type II and PCI-DSS compliance.
You may be receiving a call or letter from CMS because we are managing a financial account on behalf of a creditor. We encourage you to contact our team to confirm account details and explore payment or resolution options.
No. CMS does not initiate lawsuits. In certain cases, a creditor may choose to refer an account to a law firm if other resolution options have been unsuccessful. That’s why it’s important to communicate early and often.
Account & Payment Questions
You can make a payment online, by phone, by mail, or through Western Union or MoneyGram. Visit our Payments page for step-by-step instructions and secure links.
Yes. Our representatives are available to discuss payment arrangements that fit your budget. Contact us at 800-457-8220 during business hours, or email us at [email protected].
Credit reporting practices vary by creditor and are governed by the Fair Credit Reporting Act. Please contact us to discuss the specifics of your account.
Disputes and Verification
You have the right to dispute a debt within 30 days of receiving our initial communication. Your dispute should be submitted in writing to ensure we respond with account verification. Email us at [email protected] or mail your dispute to our Buffalo office.
We recommend sending your dispute by certified mail or fax with a confirmation receipt.
Under federal law, we are required to inform you of:
- The name of the current creditor
- The amount of the debt
- Your right to dispute the debt in writing
- Your right to request the name and address of the original creditor (if different)
We typically send this in writing within five days of our first communication.
Identity and Communication Concerns
There are multiple businesses with similar names. We are Capital Management Services, LP, headquartered in Buffalo, NY. We never use area code 855. If you’re unsure, please contact our compliance team directly.
Sometimes public data is outdated. Please contact our office at 800-457-8220 or [email protected] to correct your information after verifying your identity.
About Our Services
We work with a variety of creditors including:
- Mortgage lenders and servicers
- Credit card and personal loan providers
- Healthcare and insurance organizations
- Automotive finance companies
Our services cover accounts from current to charged-off statuses.
Yes. In addition to collections, we provide Business Process Outsourcing (BPO) for call center and administrative needs like overflow support, fraud processing, and record maintenance.
Careers and Company Culture
We offer a team-driven work environment, competitive pay, and advancement opportunities. CMS employees receive training, benefits, and access to performance bonuses. Visit our Careers page for open roles and details.
We offer a variety of positions across collections, customer service, and administrative support. Visit our Careers page to view current openings and apply online.
We look for candidates with strong communication skills, a willingness to learn, comfort with technology, and a team-oriented mindset. Experience in customer service or collections is a plus but not always required—we provide comprehensive training.