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.
What is Fair Collections & Outsourcing?
Fair Collections & Outsourcing or FCO is a third-party collection agency based in Maryland. FCO has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as communicating information about delinquent debts to unauthorized third parties and failing to provide written verification of debts. If Fair Collections & Outsourcing has contacted you about delinquent financial obligations, make sure you understand your rights before you take action.
Have questions? Call us now at 475-277-1600 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), Fair Collections & Outsourcing file was opened in 1996. The BBB lists FCO as a collection agency. Buzzfile estimates FCO’s annual revenue at $3.8 million million and the size of its headquarters staff at 33 people.
Who does Fair Collections & Outsourcing collect for?
Fair Collections & Outsourcing have been in business for over 30 years. The agency specializes in collections for groups of assisted living, military housing, student housing, and student accounts. 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.
Fair Collections & Outsourcing, Inc.
12304 Baltimore Avenue, Suite E
Beltsville, MD 20705
Phone Number: 877-324-7265
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!
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).
Consumers have reported this agency harassing them from the following numbers:
Can I sue FCO for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.
“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.