Fair Collections & Outsourcing or FCO is located in Beltsville, Maryland, with another call center in Makati City, Philippines. They’ve been in business for over 30 years. The agency specializes in groups of assisted living, military housing, student housing, and student accounts.
Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.
Our services are absolutely FREE to you.
The harassing company pays our fees.
According to the Better Business Bureau (BBB) profile page, Fair Collections & Outsourcing is a legitimate collection agency. Their site boasts of “multiple call centers digging deeper to the money,” and claims to have developed skip tracing technology that supplies their collectors with immediate results. They have software that creates outbound calls and letters. Along with such tactics, they also report to the 3 national credit agencies.
As of April 2017, the Better Business Bureau reported 102 complaints against Fair Collections & Outsourcing over the previous few years, such as 42 closed Fair Collections & Outsourcing complaints over the past 12 months. The BBB provides Fair Collections & Outsourcing an F rating. Additionally, Justia lists two FCO complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Fair Credit Reporting Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 165 closed FCO complaints for 2016.
Fair Collections & Outsourcing, Inc.
12304 Baltimore Avenue, Suite E
Beltsville, MD 20705
Phone Number: 877-324-7265
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely FCO 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!
Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you
Absolutely. Here is a Sample Case Filed in Federal Court
In 2015, a judge in U.S. District Court, Eastern District of Pennsylvania, granted judgment to the customer in Jarzyna v. Home Properties, et al., where Fair Collections & Outsourcing was charged with violating the Fair Debt Collection Practices Act. In the complicated scenario, the consumer had rented an apartment from an organization, and the rental later converted into a month-to-month tenancy. In the end, the consumer made plans to move, but the plans fell through, and he signed a lease for his current flat. The property manager sent him a late note for $1,415, which then snowballed into a greater amount. Fair Collections & Outsourcing came into the picture when it delivered the consumer a set letter. The customer disputed the debt, and maintained that FCO continued to call him even though he had been represented by a lawyer. The judge ruled that the consumer was entitled to judgment under the FDCPA because FCO failed to identify as a debt collector when leaving voicemails on his telephone and tried to collect a debt he didn’t owe.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency
Phone Numbers Employed by Fair Collections & Outsourcing
Consumers have reported getting calls from the following numbers:
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, 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“I can’t start to tell you how happy this makes me. It is actually comforting to know that there are people ready to do the things you have done. I am really blessed to have found you guys, and was not worried about anything. I think that at the end was the best part for me, reassurance. I’ve got the release here and have signed it, I will fax it over the hour.”
The Lemberg company and everyone we dealt with were true professionals. Michael and I’m very pleased at the final outcome of all our cases. The settlements we received were honest and the activities against the agencies to stop the harassment were swift.”
“Joann was so professional and helpful each time I had a question or needed help.
The brief answer is probably yes. And won’t charge you a cent for a consultation or our aid.
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.