Free Help to Stop Fay Servicing Collections Harassment

We help consumers who have complaints about collection harassment.

Updated on Author: Sergei Lemberg

Updated on Author: Sergei Lemberg

Fay Servicing

Fay Servicing  is a debt collection agency which appears to have received a large amount of complaints alleging violations of the Fair Debt Collection Practices Act. Find out who they are, why they might be calling, and how you can stop them.

What is Fay Servicing?

Fay Servicing is a debt collections agency based in Chicago, IL. It appears as though there are a variety of different complaints against Fay Servicing alleging violations of the Fair Debt Collection Practices Act (FDCPA) including failing to remove paid off debt and failing to produce documentation of debt. If you have been contacted by this debt collector, make sure you understand your rights before taking action.

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Is Fay Servicing a scam?

They’re legit. Fay Servicing can be considered a legitimate collections company due to the fact that it has been in business for 12 years. Therefore, it is unwise to ignore the need to resolve your debt and write off Fay Servicing as a scam. Fay Servicing was started on September 8th, 2008. The collections business has been accredited by the Better Business Bureau, and it has received an “B+” rating from the BBB. According to the Fay Servicing website, “Fay Servicing’s mission is to deliver meaningful solutions by building uncommonly strong personal relationships with customers, guided by passion, professionalism, and individual pride.” Many complainants feel as though Fay Servicing did not use professionalism within its debt collection efforts.

According to many complaints on the BBB, Fay Servicing may have violated the FDCPA many times. Lastly, According to, Fay Servicing has a total of  60 employees  and earns $8.75 million in sales, with 2 companies in the Fay Servicing family. Additionally, according to the Better Business Bureau, Fay Servicing is lead by Mr. Edward Fay, CEO.

Who does Fay Servicing collect for?

Fay Servicing cites on its website that the company specializes in mortgage collections. The collections company repurchases mortgages and mortgage debts from other companies and collections on unsatisfied payments. Though this should be the type of debt which Fay Servicing may have contacted you about, it is still wisest to confirm which debt is specifically owed and to whom when inquiring about your debt. Due to the outsourcing of debt, inquiring as soon as possible is the smartest move to make because one collection account can turn into many reporting on your credit file if the debt is not dealt with.

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. Lemberg Law received an A+ rating from 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 Fay Servicing?

Fay Servicing has received a number of complaints across the internet, including While rated the company with an “B+”, and accredited the business, Fay Servicing has still received a 160 complaints closed in the last 3 years and 59 complaints closed in the last 12 months on the BBB website, as well as 69, 1 star customer reviews. A majority of these complaints included complaints about false credit reporting, frequent harassment, and lack of documentation provided by the company. Fay Servicing has spent time responding to these complaints, however, the reoccurrence of similar complaints and issues has done damage to Fay Servicing’s reputation within the collections world. On top of the complaints, this collections company has also received 1, one star review on  Google Reviews. More seriously, Fay Servicing could have also been a part of a variety of lawsuits, sanctions, and penalties according to  Public Access to Court Electronic Records (“PACER”), which reports all federal complaints within the U.S. federal system’s docket.

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Can Fay Servicing Sue Me or Garnish My Wages?

While Fay Servicing is not able to make empty threats to sue you or garnish your wages because it is illegal, it is not uncommon for debt collection agencies to summon debtors to court and garnish wages after a default judgement. Fay Servicing would likely choose not to sue you for a debt you may not owe or they cannot verify, but if they are able to do so it is best to stay on top of this discrepancy and gain access to an attorney. It is the wisest option to contact an attorney preemptively to ensure the safety of your assets and rights. Lemberg Law has helped thousands of consumers fight back against these cases of fraudulent collection practices. Call us today to find out how we can help you resolve this issue.

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

Can you help me file a No Fee Lawsuit against Fay Servicing?

Absolutely. You can sue a debt collector. Here is a sample complaint:

A complainant explains that they believe Fay Servicing is an incredibly unprofessional business. This statement is due to the fact that their loan was sold to the collections company, and after continuously trying to pay their balance, the company would not allow the complainant to pay the amount even after the company claimed the account was past due. The complainant claims that they have called over 10 times to try and speak with someone and the Fay Servicing staff just hangs up.

Fay Servicing Calling You?

If you find yourself allegedly indebted to this collections company, it is important that you learn to protect yourself by understanding your rights when it comes to collections companies. This protection can be achieved by familiarizing yourself with the Fair Debt Collection Practices Act, which outlines a person’s protections against the abuses and misconduct of collection agencies. You can find these rights listed on the Federal Trade Commission’s website under, “Debt Collection FAQs”. In addition to your rights under the FDCPA, do not forget that you also have additional rights to protect yourself from fraudulent practices under the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

Can I sue Fay Servicing for harassment?

Yes, you can sue. If you would like to be able to recover your damages and protect yourself as an individual, you ideally should. The correct action to take when your FDCPA rights are breached is to sue. Federal laws protect citizens like you from these fraudulent practices. You should choose to award yourself the ability to defend your rights and receive compensation by suing if you feel as though these rights have been violated. Individuals like you can recover damages of up to $1,000, plus attorney fees and court costs.

Want to Stop Fay Servicing Debt Collection Harassment Now?

You may have a case, if…

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

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Can You Help Me Delete Fay Servicing from My Credit Report?

Yes, 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."

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  • Aimee s

    Fay servicing basically stole my home. They were outside of the statute of limitations and they fabricated the documents that they used. They didn’t even have the correct interest rate written down. They forged our signatures and told me they were modifying my loan who left they pursued a foreclosure. They violated ever collection act there is to violate. They stole the $250,000 of equity I had and my kids and I left our home with the clothes on our backs. I want to sue them. It’s not right to do that to families. I worked hard for that equity. Now we are homeless. With no way to survive and no home

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