Frederick Debt Management LLC is a pre-litigation debt collector based in Orchard Park, New York. Consumers have reported repeated calls and, in some cases, statements about legal action that may not be accurate. This page explains general federal protections that may apply and is not a substitute for individual legal advice.
Key Takeaways
- Frederick Debt Management LLC is a licensed New York debt collector incorporated in 2019, but licensing does not mean every tactic they use is legal.
- Some consumers have alleged, in federal court filings, that FDM used false threats or contacted people already represented by attorneys. These are allegations, not proven facts, unless a court has made a specific finding.
- FDM cannot garnish your wages without first filing a lawsuit and winning a court judgment. Any threat suggesting otherwise may be an illegal false representation under the FDCPA.
- Consumers have alleged that FDM contacts people who are already represented by attorneys, which, if true, would be a standalone federal violation under 15 U.S.C. § 1692c(a)(2).
- Robocalls or prerecorded calls to a cell phone without consent may, depending on the facts, entitle a consumer to statutory damages under the TCPA.
- Depending on the outcome of a case, a consumer may be able to recover statutory damages, actual damages, and attorney fees under the FDCPA, whether or not the underlying debt is valid. Results are never guaranteed and depend on the specific facts of each matter.
Who Is Frederick Debt Management LLC
Frederick Debt Management LLC is a third-party debt collection agency incorporated in New York on January 15, 2019, and headquartered in Orchard Park, NY. The company describes its model as managing debt portfolios prior to pre-litigation and judgment, meaning they contact consumers on behalf of creditors before those creditors file a lawsuit. FDM operates both locally and nationally.
Consumers who report dealing with FDM commonly describe a pattern that starts with repeated voicemails and, in some accounts, escalates to statements intended to create urgency. The NYC Department of Consumer Affairs issued FDM license #2102885-DCA, which public records appeared to show as inactive as of 2025. Consumers should independently verify current licensing status with the relevant state or local regulator before relying on this information.
Frederick Debt Management Contact Information
- Address: 3221 Southwestern Blvd #238, Orchard Park, NY 14127
- Phone: 888-847-1357 | 877-297-0074
- Website: fdmanagement.net
- Consumer Portal: portal.fdmanagement.net
Why Is Frederick Debt Management Calling Me
Frederick Debt Management is calling because a creditor has placed your account with them for pre-litigation recovery. That creditor has not yet filed a lawsuit, but FDM appears to be attempting collection before that step becomes necessary. The debt types they pursue most often include credit card balances, personal loans, and other consumer accounts.
The question is not just whether you owe money. It is also how FDM is going about collecting it. Consumers who describe interactions with FDM frequently mention patterns that may raise legal concerns:
- Possible false legal threats: Some consumers have alleged that FDM representatives made statements suggesting judgment or wage garnishment was imminent, before any lawsuit had been filed. If accurate, this type of statement could violate 15 U.S.C. § 1692e.
- Possible contact with represented consumers: Some consumers have alleged that FDM continued direct contact after being notified that the consumer was represented by an attorney. If accurate, this could violate 15 U.S.C. § 1692c(a)(2).
- Automated or prerecorded calls: Some consumers have reported prerecorded or autodialed calls from FDM numbers. Under the TCPA, calls of this kind made without express written consent may, depending on the facts, give rise to a separate claim.
If any of these patterns sound familiar, what you are experiencing may not just be unwanted. It may also be unlawful, though that determination depends on the specific facts of your situation.
Can Frederick Debt Management Garnish My Wages
Frederick Debt Management cannot garnish your wages without first suing you and obtaining a court judgment. No collector can access your paycheck without completing that legal process. If FDM suggested that garnishment was imminent before any lawsuit was filed, that statement may violate 15 U.S.C. § 1692e(4), which prohibits falsely representing the imminence of legal action.
If a caller from FDM told you garnishment was coming unless you paid immediately, consider documenting the date, time, and exact language used. That kind of documentation may be useful if you later choose to consult an attorney about a possible claim.
How to Identify Calls from Frederick Debt Management
FDM’s two primary numbers on record are 888-847-1357 and 877-297-0074. Consumers have also reported calls from related numbers that do not immediately identify FDM as the caller. Under the FDCPA, every voicemail left by a debt collector must disclose that the communication is from a debt collector attempting to collect a debt.
Some consumers report that FDM voicemails reference a “time-sensitive matter” without the required identification language. If accurate, an omission of that kind may be a standalone FDCPA violation, separate from anything else said on the call. It is generally advisable to save any voicemail you receive from an unrecognized number before calling back or taking any other action.
How to Respond to Frederick Debt Management
One commonly recommended first step is to request debt validation in writing before making any payment or acknowledging the debt verbally. Once FDM receives a timely written request, federal law generally requires them to pause collection activity until they provide documentation of the debt and their authority to collect it.
- Send a written debt validation request by certified mail with return receipt within 30 days of FDM’s first contact. Keep the receipt and signed return card as proof of delivery.
- Document every call, including the date, time, caller name if given, and what was said. Note any calls outside the generally permitted hours of 8 a.m. to 9 p.m. in your time zone.
- If you have retained an attorney, notify FDM. Once they are aware you are represented, contact is generally expected to go through your attorney. Direct contact with you after that point may raise a separate legal issue.
- If calls continue after a written cease request, each subsequent call may, depending on the facts, constitute a separate violation.
- Consider speaking with a consumer protection attorney before responding further. Negotiating directly with a collector can sometimes affect the statute of limitations or create statements that complicate a later claim.
Can Frederick Debt Management Hurt My Credit Report
Frederick Debt Management can report unpaid accounts to the major credit bureaus, and that reporting must comply with the Fair Credit Reporting Act. If FDM reports a debt that has already been paid, belongs to someone else, or exceeds the seven year reporting window, that inaccuracy may give rise to a separate FCRA claim.
Consumers who deal with FDM and later find inaccurate tradelines on their Experian, Equifax, or TransUnion reports may be facing two separate legal issues: one under the FDCPA related to the calls, and one under the FCRA related to the reporting. Whether either claim applies depends on the specific facts involved.
How The Wood Firm PLLC Approaches Frederick Debt Management Matters
What We Examine
When a consumer contacts our office about FDM, we review the specific conduct they describe against several federal consumer protection statutes. Depending on the facts, potentially relevant issues include:
- Statements about wage garnishment or lawsuits made before any legal action was filed, which may implicate 15 U.S.C. § 1692e
- Continued contact with a consumer known to be represented by counsel, which may implicate 15 U.S.C. § 1692c(a)(2)
- Voicemails that fail to identify FDM as a debt collector, which may implicate 15 U.S.C. § 1692e(11)
- Autodialed or prerecorded calls made without express written consent, which may implicate the TCPA
- Inaccurate credit bureau reporting, which may implicate the FCRA
Notice of Representation
When our firm sends a notice of representation to a collector, the collector is generally required under federal law to redirect further communications to our office. How quickly a specific collector complies can vary.
Statutes We Handle
FDM’s conduct as described by consumers potentially touches several federal consumer protection statutes:
- FDCPA: False threats, excessive calls, failure to validate a debt, contacting represented consumers, calls outside permitted hours
- FCRA: Inaccurate credit reporting, failure to update records after a dispute, reporting paid or time barred debts as active
- TCPA: Autodialed or prerecorded calls to a cell phone without prior express written consent
Fee Structure
The Wood Firm PLLC handles consumer protection matters on a contingency basis, meaning a consumer generally owes nothing upfront. Under the FDCPA, a prevailing consumer’s attorney fees are paid by the collector. That fee shifting provision is written into federal law rather than being a firm policy or guarantee of any particular result.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC to represent consumers in disputes with debt collectors. In more than 15 years of practice, he has represented consumers exclusively and has not represented creditors or collection agencies. He is licensed in Arkansas and admitted to federal courts across Arkansas, Colorado, New Mexico, and Texas, as well as the Southern District of Indiana, Eastern District of Michigan, Eastern District of Missouri, Western District of Tennessee, and Western District of Wisconsin. Associated or local counsel may be required in jurisdictions where he is not personally admitted.
Frequently Asked Questions About Frederick Debt Management
Is Frederick Debt Management a scam or a legitimate company
Frederick Debt Management is a licensed debt collection agency, but licensing does not mean every tactic they use is legal. Some consumers have filed federal lawsuits alleging FDCPA violations. A lawsuit is a set of allegations, and it is not, by itself, proof of wrongdoing.
What happens if I ignore Frederick Debt Management calls
Ignoring FDM without taking any action carries some risk. If a lawsuit is filed before the statute of limitations expires in your state and you do not respond, a court could enter a default judgment against you, which is one legal pathway to wage garnishment.
Can Frederick Debt Management sue me
Yes, FDM can file a lawsuit on behalf of a creditor if the debt is valid and the statute of limitations has not expired. However, FDCPA violations during the collection process may, depending on the facts, give rise to counterclaims or defenses.
Can I raise an FDCPA issue even if I owe the debt
Yes. Whether the underlying debt is valid is generally treated as separate from whether the collector followed the law while collecting it. If FDM made false statements, called excessively, or contacted you after you retained an attorney, those issues may be worth discussing with an attorney regardless of your account balance.
What should I do if FDM is calling about a debt I already paid
Consider requesting written validation and gathering any payment records, such as bank statements, receipts, or settlement letters. Attempting to collect a paid debt may, depending on the facts, raise issues under both the FDCPA and the FCRA if FDM has reported the account as unpaid.
What phone numbers does Frederick Debt Management use
FDM’s primary numbers on record are 888-847-1357 and 877-297-0074. If you receive calls from numbers you do not recognize, it is generally a good idea to verify the caller’s identity independently before calling back or sharing any information.
How long does an FDCPA matter typically take
Timelines vary widely by case. Many FDCPA matters resolve within roughly six to twelve months, and some settle before trial, but there is no guaranteed timeline, and outcomes depend on the specific facts and how a collector chooses to respond.
The Wood Firm PLLC represents consumers in debt collection disputes. When we evaluate a Frederick Debt Management matter, we look closely at the specific conduct described: statements about legal action, contact with represented consumers, and calls made without consent. Our representation in qualifying matters is contingency-based, meaning a consumer generally pays nothing unless we recover on their behalf.
