Fair Collections & Outsourcing – FCO Collections Complaints?

We Stop Unwanted Calls and Debt Collector Harassment.

Fair Collections & Outsourcing, also referred to as FCO 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.

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Who is Fair Collections & Outsourcing?

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 855-301-6100 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is Fair Collections & Outsourcing a scam?

They’re legit. 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.

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 Fair Collections & Outsourcing?

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.

Contact Information

Fair Collections & Outsourcing, Inc.
12304 Baltimore Avenue, Suite E
Beltsville, MD 20705
Phone Number: 877-324-7265
Website: http://www.fco.com/

Can Fair Collections & Outsourcing 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  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!

Get Free BBB A+ Attorney. Call 855-301-6100 NOW

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

Can you help me file a No Fee Lawsuit against Fair Collections & Outsourcing?

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 vs. 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.

Fair Collections & Outsourcing 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.

Consumers have reported this agency harassing them from the following numbers:

  • 240-374-5400
  • 240-374-5522
  • 240-374-5474
  • 240-374-5489
  • 240-374-5425
  • 240-374-4523
  • 240- 374-5463
  • 240-374-5433
  • 240-374-5432
  • 240-374-5422

Stop Debt Collection Harassment

You may have a case, if…

  • 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

“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.

Can You Help Me Delete Fair Collections & Outsourcing from My Credit Report?

The brief answer is probably yes. And won’t charge you a cent for a consultation or our aid.

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.

8 COMMENTS
  • ethan s

    Credit brainiac helped me repair my bad credit so that i could build and qualify for my first home. I am so very happy with the results. He made my dreams of owning a home come true. I was able to obtain 100% financing with his help. He was great to work with and i would recommend him to anyone. Being that I am a realtor, I refer my clients to credit brainiac on a regular basis. Anyone in urgent need of credit repair should contact (creditbrainiac.repair (at) gmail (dot) com).

  • Anonymous

    Fair Collections? Where did they get this name?. Anyhow, I have a collection from them on my credit report. I paid all of my apartment bills promptly, and even made sure of it, with Avalon in Lexington MA. Well, somehow Fair Collections has my super high bill of $4000, which they said was damages of the carpet. When I called Avalon, they said they have no record of this issue and it is out of their hands, and to call Fair Collections. I told them I don’t owe it. I have disputed this 5 times and still on my credit.

  • coco

    I have lived at one expensive apartment an renewed my lease for four times since 08/2013 to 06/2017. I had to terminate my last lease due to harassment, theft and murdering from one main suspect stalker/hacker and his friends. By habitability and safety law, I have the rights to terminate my lease without paying any breaking lease penalty fees. But the apartment management tried to extort me and sent terminating lease fees -two months rent about $4000, plus other extorting fees to FCO despite my previous attorneys’ letters explains the bill is illegal, but FCO still reported the collection to three credit report agencies to ruin my credit. FCO persists that the bill is correct and forced me to pay the bill. now I am going to rent a new apartment and discover the collection on my credit report and was denied rental from multiple places. I have damages from FCO.

  • Melissa Akyiano

    I had to move out of my apartment quickly, my stepmom passed unexpectedly and my dad has a brain tumor, I let the office know I needed to leave and the day I would be leaving. They proceeded to evict me, even though I left and left the keys. I asked the landlord to please send me the final bill after she took out the security deposit. So I figured around $3000. She ended telling emailing me a total of over $6000. A little time has passed and my mom signed the lease with me, but didn’t live there, just helping me out, the FCO sent her a bill for $6110. I was never contacted, even though I left my address. My mom is very upset. I am not sure what to do.

    Thank you

  • Nichola Shea

    I gave a two month notice for my apartment in Rhode Island. They’re staying I didn’t and puts the deficit on my credit report. FCO is now calling me emailing me and mailing out letters to my new address. I’ve no idea how they got my new address. Also there was a new tendentious that moved in my apartment one month after I left if not less . That was in the state of Rhode Island which states the apartments owner can’t charge you if a new tenant has moved in.

  • Vanessa Harvey

    Received letter from FCO, dated January 27, 2018 claiming I owe an apartment development $2326.98, but will be willing to take a 70% discount of $698.09. I’ve dispute this charge, moved from the apartment complex since 2014, which has since had numerous claims for putting several tenants out without notification due to flooding and asbestos conditions. I was never served from the complex stating I owe this money, nor was nor is there an active judgment filed against me. FCO, has reported this money on my credit report causing much distress. What can I do about this? Your assistance would be greatly appreciated.

  • Alice White

    I am dealing with a collection from Great Expectations. I tried to cancel my membership with them, but they told me that I could not do that and then turned me into collections with FCO. GE has a class action in the state of Washington that was settled out of court. GE is a fraud. At this point I am trying to clean my credit report. I have offered to pay a small amount of what GE says I owe just to get it off my report. FCO says that that Great Expectation will accept my offer. I want FCO to wipe my credit report. They say that they can not do that but it can be noted that the dispute was settled for a lesser amount. I want it completely removed from my report. Can this be done?

  • Judy Gray

    I have a debt which was turned over to fco and I made payment arrangement and they are informing me that is has to be paid off by Dec 20 or it will be turned over to someone else what should I do

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