Who Called From 770-438-5580?
Short answer: 770-438-5580 is a number used by Financial Asset Management Systems (FAMS), a third-party collection agency based in Norcross, GA — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2049611-dca on file, address of record in woodstock, ga. They are almost certainly trying to collect a debt, most often student loan debt. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 770-438-5580?
The number 770-438-5580 is used by Financial Asset Management Systems (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2049611-dca on file, address of record in woodstock, ga), a third-party collection agency in Norcross, GA. For the full company profile — ownership, history, and known aliases — see our complete Financial Asset Management Systems guide. This page focuses on the calls coming from 770-438-5580 specifically.
About this specific number
- 📞 Number: 770-438-5580 (area code 770, ending in 5580)
- 📍 Line type: Direct-dial — resolves to the 770 area code.
- 🏢 Operator: Financial Asset Management Systems, a third-party collection agency in Norcross, GA.
- 🔢 Related lines: Financial Asset Management Systems is documented using 9 numbers in our directory, so calls may also come from other digits.
770-438-5580 is a direct-dial number tied to the 770 area code, which is why the call may have appeared "local" on your caller ID even though Financial Asset Management Systems operates out of Norcross, GA.
Screening tools sometimes label 770-438-5580 generically as "Scam Likely" or "Debt Collector." Either way, treat 770-438-5580 as Financial Asset Management Systems until proven otherwise, and handle it in writing.
On your caller ID, in voicemails, or in letters, this company can also appear as: FAMS, Financial Asset Management, FAMS Inc.
Why Is FAMS Calling Me From 770-438-5580?
In our directory, 770-438-5580 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2049611-dca on file, address of record in woodstock, ga for Financial Asset Management Systems, which typically collects student loan debt, government debt, utilities. A call from 770-438-5580 usually happens because:
- ✅ An original account (a student loan debt, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Financial Asset Management Systems to collect on behalf of the original creditor.
- ✅ Financial Asset Management Systems is now dialing you from 770-438-5580 and possibly other lines to reach a resolution.
Calls from 770-438-5580 often come right after a billing cycle closes. Some consumers only notice 770-438-5580 after it has called dozens of times. You can send Financial Asset Management Systems a written request to communicate by mail only — that alone can quiet the phone while you investigate. A number of consumers say 770-438-5580 left a vague voicemail asking them to "call back regarding an important business matter" without naming Financial Asset Management Systems. Under the FDCPA, a collector must meaningfully disclose who it is. The takeaway: verify before you engage with 770-438-5580.
Important: a phone call — even from a real number like 770-438-5580 — does not prove you owe the debt, that the amount is correct, or that Financial Asset Management Systems can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 770-438-5580
Anything you say to FAMS can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 770-438-5580 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Financial Asset Management Systems.
Don't agree to a payment on the spot
A single payment to Financial Asset Management Systems — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 770-438-5580.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 770-438-5580. Any legitimate Financial Asset Management Systems resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 770-438-5580 caller. If it truly is your Financial Asset Management Systems account, they should already have what they need and must prove it.
What To Do If 770-438-5580 Keeps Calling
Here are concrete next steps for this specific Financial Asset Management Systems line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 770-438-5580 as a contact labeled "Financial Asset Management Systems — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 770-438-5580 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Financial Asset Management Systems identify the original creditor behind the 770-438-5580 calls and the date the debt was opened.
Your Rights When FAMS Calls From 770-438-5580
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send FAMS a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Financial Asset Management Systems reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 770-438-5580: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Financial Asset Management Systems stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, FAMS generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars FAMS from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 770-438-5580
We investigate the specific Financial Asset Management Systems account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the FAMS account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Financial Asset Management Systems. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
770-438-5580 — Frequently Asked Questions
Who is calling me from 770-438-5580?
770-438-5580 is a direct-dial line associated with Financial Asset Management Systems (also seen as FAMS), a third-party collection agency headquartered in Norcross, GA and operating since 1994. The number resolves to the 770 area code. If you received a call from 770-438-5580 — often showing the last four digits 5580 on your screen — it is very likely Financial Asset Management Systems attempting to reach you about a debt they say you owe, most often student loan debt, government debt, utilities.
Is 770-438-5580 a scam number?
Financial Asset Management Systems is a real, registered company, and 770-438-5580 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like FAMS, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 770-438-5580?
You are not legally required to answer 770-438-5580 or call Financial Asset Management Systems back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Financial Asset Management Systems must pause collection until it mails you proof of the debt.
Why is Financial Asset Management Systems calling me about student loan debt?
A call from 770-438-5580 usually means an original student loan debt went unpaid and was placed with Financial Asset Management Systems, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Financial Asset Management Systems from calling 770-438-5580?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Financial Asset Management Systems to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 770-438-5580 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Financial Asset Management Systems is calling about?
Do not pay anything based on a call from 770-438-5580 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Financial Asset Management Systems
Other phone numbers used by Financial Asset Management Systems:
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