SARMA Inc Collections Complaints?

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

SARMA Inc is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

What is SARMA Inc?

SARMA, Inc. is a business management services company based in Texas that specializes in third-party collections. SARMA has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper contact or sharing of information and using false or misleading language in an effort to collect a debt. If you have been contacted by SARMA, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is SARMA Inc a scam?

They’re legit. According to the Better Business Bureau (BBB), SARMA Inc. was founded in 1956 and incorporated in 1988. The BBB established a profile page for SARMA in 2003. SARMA is listed as a collection agency; credit service; credit reporting agency; and employment screening and tenant background checking service. Buzzfile estimates SARMA’s annual revenue at $10.3 million and the size of its headquarters staff at 31 people, with an estimated 150 total employees across all locations.

According to its website, SARMA’s mission is to “provide businesses and consumers solutions and service to assist them in making more informed financial and business decisions and improve profitability.” SARMA “offers multiple services to help consumers and businesses make key decisions. These decisions range from employment, financial decisions, collections activity, profitability growth, purchases, and more.”

SARMA’s collections division offers “customized services…to help… financial institutions, health care organizations, municipalities, real estate, retail, telecommunications, and utilities increase their bottom line.” SARMA’s collection services include bad debt collections; early-out services; billing system access; and collector training. In addition, the SARMA Data System (SDS) is an internet-based research engine that provides SAMRA staff with skip tracing tools.

In addition to debt collection, SARMA also provides mortgage lending services, background screening, TransUnion credit services, and customer survey services. SARMA’s debt collection division is a member of the American Collectors Association (ACA) with ACA-trained staff “compliant with the Fair Debt Collection Practices Act, Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and Health Insurance Portability and Accountability Act (HIPAA).” Although their Consumer Resources page provides some general information about consumer credit, there are no links or references to consumer protection laws or enforcement agencies.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against SARMA Inc?

The BBB has closed 18 complaints against SARMA in the preceding 3 years, with 5 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collections. Since May 2015, the Consumer Financial Protection Bureau (CFPB) has closed 22 complaints against SARMA. Justia does not list any cases of civil litigation involving SARMA.

Contact Information

555 E. Ramsey Rd.
San Antonio, TX 78216-4640
Telephone: (800) 955-5238

Can SARMA Inc Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SARMA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against SARMA Inc?

Absolutely. Here are some Sample Cases against SARMA Inc

Complaints against SARMA commonly cite problems resulting from disputes about the accuracy of information reported to the credit reporting agencies. In August 2015, a complainant indicated that he had been contact be SARMA about a delinquent medical bill. He indicated to the representative that he had been previously unaware of the bill but that he wanted to pay it immediately. He asked if he could pay the original creditor directly and if the negative information would be removed from his credit report. The SARMA representative allegedly told the complainant that SARMA owns the debt and that all payments would have to made to be made to them. The SARMA representative also allegedly told the complainant that it may take up to 7 days for negative information to be removed from his credit report. The complainant paid the balance due over the phone and considered the matter closed.

A month later, the complainant contacted SARMA because the item was still appearing on his credit report as a delinquency. The SARMA representative he spoke with told him it could take an additional 90 days for the corrections to appear, but that in any case, SARMA is not obligated to remove any negative items. The complainant objected, insisting that this response contradicted what he had been told at the time he had made the payment, and that therefore the “information SARMA had provided…upon initial contact was misleading, deceitful, and illegal … in violation of the Fair Debt Collection Practices Act.” The complainant insisted that the debt collector had told him “that the information they provided to the three major credit reporting agencies would be removed from…his report…and that his account has been paid in full and is no longer valid debt.” The complainant argued that by promising to remove the information in exchange for payment, SARMA was in direct violation of Section 1692c of the FDCPA.

In response, SARMA acknowledged that the complainant had “requested that the account be removed from his credit report after paying in full.” However, they insisted that “the representative stated the account could not be removed but would be updated to the bureaus as paid in… full.” SARMA indicated that a recording of the phone call supported their claim. The complainant rejected the attempted resolution, insisting that SARMA had the ability to remove the item but was insisting on a semantic misinterpretation to refuse to accommodate the complainant. SARMA responded by restating their position; however, they also indicated that “as a courtesy, they had placed a request for removal with all three credit reporting agencies, Experian, Equifax and Transunion, and will send… the complainant a letter stating this and the control number in order to follow up with the reporting agencies.”

SARMA Inc Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop SARMA Inc Debt Collection Harassment Now?

Your debt harassment checklist:

  • You are receiving multiple calls per week from third party collection agencies
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your friends, neighbors, or coworkers
  • Collectors are threatening you with violence, a lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

Read more about your rights

What Our Clients are Saying

“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”

“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.

“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”

“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”

Can You Help Me Delete SARMA Inc from My Credit Report?

We can absolutely help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."

See more posts from Sergei Lemberg
  • Jerry M

    Sarma Collections has posted the same collection on TransUnon, Exuifax and Experian five times, for same account, but, showing a different amount on each posting. So it now shows as five different collections. Thereby effectively diminishing my credit score unfairly. That’s not the worst. I have never even had one written notice of the debt from their customer or them. I have tried many ways to get them to correct them, if not remove them from my reports.
    Sarma won’t even attempt to talk to me about correcting it. They tell me, they are right and I’m wrong. They also want me to provide documentation if I disagree with their claims. How can I? I never received any documentation from anyone. I never opened this account nor ever obligated or promised to pay it. Their client won’t talk to me because they have turned over to collections. Catch 22?
    Also, each time I try to contact anyone about it they update the account and restart the clock on when it will drop off my reports.
    I pay every debt that I sign and agree to pay, on time.

Leave a Reply or Comment

Write a comment below to share online. Or, instead you can to our legal team.

Please select your star rating.

Briefly describe your experience Briefly describe your experience

What’s your name? What’s your name?

What’s your phone number? Please enter a valid phone number

Want to know if you could sue? Get a free legal evaluation from Lemberg Law?

Get Your No-Obligation
Case Evaluation

Send a secure message to our legal team.

What’s your name? What’s your name?
What’s your email address? What’s your email address?
What’s your phone number? What’s your phone number?
Briefly describe the problem Briefly describe the problem
Confidentiality Guarantee: We keep your information completely confidential and will not send you spam or sell your information.
By submitting above, I agree to the privacy policy and terms and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s).