Skip Navigation
Official website of the United States Government U.S. Department of the Treasury
Bureau of the Fiscal Service Home
DMS
Debt Management Services

Debt Management Services

Debt Management Services (DMS) helps federal agencies and state governments collect debt (the money owed to them).

Did you get a notice from a federal or state agency about owing money?

See these question and answer pages:

Debt Collection Improvement Act

The legal foundation for much of the work that DMS does is the Debt Collection Improvement Act of 1996 (DCIA). Under this law:

  • Treasury collects delinquent (overdue) nontax federal debt on behalf of federal agencies.
  • Federal agencies generally must refer delinquent nontax debt to Treasury for collection and report those debts to credit bureaus.
  • Federal agencies may garnish the non-federal wages of employees who owe delinquent nontax debts without a court order. (Garnish means to withhold money from someone's pay.)
  • Delinquent debtors are generally barred from getting federal loans or loan guarantees until they resolve those debts.

Looking for Specific Information for DMS Programs?

Watch our informative video about Debt Management Services:

Learn about all DMS programs, or visit specific programs using the options below:

Do Not Pay

Detects and prevents improper payments made by federal agencies.

Centralized Receivables Service

Assists federal agencies in managing accounts receivable.

Treasury Offset Program

Collects delinquent debts, including unpaid loans, overpayments, fines, penalties, and child support obligations, by offsetting eligible federal and state payments, including federal benefit, tax refunds, salary, civil service and limitary retirement, and vendor payments.

Cross-Servicing

Collects delinquent, nontax debts through various means, including administrative wage garnishment and credit bureau reporting.

Legal Authorities

Resources

Need Help?

FAQs for Federal Agencies Contact Us

Last modified 08/24/20