Fair Collections & Outsourcing (FCO) Harassment

Debt collectors like Fair Collections & Outsourcing cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Fair Collections & Outsourcing violated the law, you will get money damages and they will pay your attorney’s fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Fair Collections & Outsourcing?

Fair Collections & Outsourcing is a third-party debt collection agency based in Beltsville, Maryland. Founded over 30 years ago, this agency is not accredited by the Better Business Bureau (BBB).

Fair Collections & Outsourcing specializes in collecting accounts for commercial property, student/military housing, and senior/assisted living and is a member of ACA International (The Association of Credit and Collection Professionals).

Fair Collections & Outsourcing’s Address, Phone Number, and Contact Information

Fair Collections & Outsourcing is located at 12304 Baltimore Ave., Suite #E, Beltsville, MD 20705. The main telephone number is 877-324-7265 and the client service number is 877-324-7910. The main website is www.fco.com/

Phone Numbers Used by Fair Collections & Outsourcing

Like many debt collection agencies, Fair Collections & Outsourcing may use many different phone numbers to contact debtors. Here are some phone numbers Fair Collections & Outsourcing may be calling you from:

Fair Collections & Outsourcing Lawsuits

If you want to know just how unhappy consumers are with Fair Collections & Outsourcing, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 140 lawsuits filed in the U.S., and these typically involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

Fair Collections & Outsourcing Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If Fair Collections & Outsourcing is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Fair Collections & Outsourcing violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Fair Collections & Outsourcing took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Fair Collections & Outsourcing, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Fair Collections & Outsourcing continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Fair Collections & Outsourcing is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Fair Collections & Outsourcing’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Fair Collections & Outsourcing violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorney’s fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls. We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorney’s fees and costs.

What if Fair Collections & Outsourcing is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Fair Collections & Outsourcing is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorney’s fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against Fair Collections & Outsourcing

Based on 28 reviews on Google, Fair Collections & Outsourcing receives a 1.3-out-of-5 rating. Here are some of the reviews on Google:

  1. They don't even deserve one star. This collection agency should be closed. They persist with illegal debt and put it on my credit report and force me to pay. They receive a commission for their collection, so they try hard to collect the debt and don't care if the debt is real or false or illegal.”
  2. To anyone reading this. Make FCO validate the debt first, Simply by giving you a copy of the contract with your signature. DO NOT PAY ANY MONEY!!! UNTIL FCO validates the debt. You are protected by federal laws.”
  3. I, like another customer, I offered to make a settlement on my account and they literally never got back to me. I found another avenue to rent and moved on. I actually called them back to get a status on my settlement offer and they had no idea what I meant.”

Cases We’ve Handled Against Fair Collections & Outsourcing

I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are some cases we’ve handled against Fair Collections & Outsourcing:

  1. Andrea G. v. Fair Collections & Outsourcing - In June 2015, Andrea of Brevard County, Florida, filed a claim against Fair Collections & Outsourcing for violations of the Fair Debt Collection Practices Act (FDCPA) and Florida Consumer Collection Practices Act (FCCPA). Complaints consisted of frequent harassing phone calls, including after receiving a cease-and-desist letter from the plaintiff’s attorney.
  2. Meghann D. v. Fair Collections & Outsourcing - In April 2015, Meghann of King County, Washington, filed a claim against Fair Collections & Outsourcing for violations of the Fair Debt Collection Practices Act (FDCPA) and Telephone Consumer Protection Act (TCPA). Complaints consisted of harassing phone calls, including to the plaintiff’s parents and at unlawful calling-hours.
  3. Pamela M. v. Fair Collections & Outsourcing - In December 2014, Pamela of Ventura County, California, filed a claim against Fair Collections & Outsourcing for violations of the Fair Debt Collection Practices Act (FDCPA) and California’s Rosenthal Fair Debt Collection Practices Act (RFDCPA). Complaints consisted of frequent harassing phone calls, including to the plaintiff’s children, one of whom has autism.

What Our Clients Say about Us

Agruss Law Firm has over 910 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solve my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling altogether!! Even settled it so I was paid back for the problems they caused!”

Can Fair Collections & Outsourcing Sue Me?

Although anyone can sue anyone for any reason, we have not seen Fair Collections & Outsourcing sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If Fair Collections & Outsourcing has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.

Can Fair Collections & Outsourcing Garnish my Wages?

No, unless they have a judgment. If Fair Collections & Outsourcing has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If Fair Collections & Outsourcing has threatened to garnish your wages, contact our office right away.

Fair Collections & Outsourcing Settlement

If you want to settle a debt with Fair Collections & Outsourcing, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Fair Collections & Outsourcing remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from Fair Collections & Outsourcing for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Fair Collections & Outsourcing, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provide a laundry list of what collectors can and cannot do while collecting a debt. Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often do to violate the law:

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third-parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third-party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said to stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case? No. We handle consumer rights cases based on a fee-shift provision and/or a contingency fee. That means either the other side pays your fees and costs, or we take a percentage of your recovery. Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
  2. What are the damages I can get under the Fair Debt Collection Practices Act? If a collection agency violates any section of the FDCPA, you are entitled to damages up to $1,000.00. You may also be entitled to actual damages if the violation caused you out-of-pocket expenses. For example, if a collection agency threatens you with legal action to induce you to pay the debt, you may be able to get your payment back as actual damages.
  3. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful. In any type of settlement, Defendants often pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
  4. What type of debt is covered under the Fair Debt Collection Practices Act? Only consumer debt, such as personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies? No.  Only third-party debt collectors are bound by the FDCPA. Original creditors, such as banks and credit card companies, are not bound by the FDCPA.
  6. Are there state laws that protect me from original creditors? Yes! Several states also have laws that provide its citizens an additional layer of protection. If you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, or Wisconsin, you have additional state-law rights.
  7. Are mistakes on credit reports common? Yes! Are you one of the 40 million Americans who have a mistake on their credit report? Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
  8. What do I do if I have a mistake on my credit report? If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information. If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision, which means the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com. You can also learn more about the FCRA and your rights at http://www.agrussconsumerlaw.com/practices/common-credit-report-errors/

Share your Complaints against Fair Collections & Outsourcing Below

We encourage you to post your complaints about Fair Collections & Outsourcing. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Fair Collections & Outsourcing over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorney’s fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

See all of the phone numbers that Fair Collections & Outsourcing may be calling from.

How It Works


You have rights

Robo-callers and debt collectors may be violating the law


We stop the calls

We make sure this number never harasses you again


You get money

Up to $1,000 for harassment, and $500-$1,500 for illegal robocalls


You don't pay a dime

The other side pays our fees and costs.

We serve our customers nationwide

Hear from our clients

We are listening.

Submitted Complaints

I have a problem in rent debt. I lived in a flat with other three roommate 8 month ago. And now, I have got back China. The flat was rented by other three roommate for one year. But I left the flat before the end of the leasing and I also told the leasing office that I left. Finally the leasing end in 1/8/2017. But the rent balance is not full paid for the end. Then the leasing office moved our account for connection. I was informed that the flat have past due balance need to pay by the leasing office two week ago. They told me I need to contact you to see whether my credit is lost or not. I have registered my information on the system of the leasing company, but I didn’t sign a valid contract with the leasing office. So, Could you help to check whether my credit is affected or not? If yes, could you help to tell me how to stop it? Thank you!

I have had debt for the past three years on a apartment I got kicked out of. They found a bong and my roommate was a drug dealer I got blamed and got kicked out. (THEY PICKED MY ROOMMATE) They are asking for 5,541.92. Should I just wait the rest of the 7 years to pay it back of ask them to go down to 30-40% of the debt. I woke up and went to class the day I got the notice of eviction and I got home and saw the note. I went down and talked to Countrney Valentine at Campus Park Apartments. She said my roommate said it was mine so I was responsible for it. It was not mine. So I got kicked out for something I could not help. I am still not sure if I will even it pay it back I only have four years until it is dismissed from my credit. My mother advices me to just let it go and not pay sense I was wrongfully accused!

I received a letter from fco stating that I owe $1825.26 for a apartment which I did leave in good standing an this was years ago.. I've never had heard anything about this money owed until last month all of a sudden it's on my credit report which lowered it significantly agh! An there saying they will give me 80% discount on money owed to ranchside in the amount of $365.05 which again I don't understand because I moved out with good standing an again never a letter from ranchside stating any money owed until I recived this letter an I did research an it seem like this company fair collections outsourcing is a scam an I'd like to get this resolved because it's a fairly big hit in my credit report which I'm not happy about an they have also called several times so please feel free to contact me anytime after 1pm thank you

My brother is deaf and they keep harassing him and I need to know more about this because they put it on his credit score

Hi Karen, I'm sorry to hear about this possible scam. If they begin calling or otherwise harassing you, don't hesitate to consult with us to determine whether you have a case against them. Thanks, Mike.

I received a letter in the mail, stating that I owed 11,974.00. I've never heard of anything so ridiculous. Must be a scam. They have my name, address and a Case number. Totally not true. I have no idea who the Creditor is. They are stating a Oakwood Apartment complex in Chicago... I've never even been to Chicago. We are plain country folks. Don't know what is going on.

Fair Collections and Outsourcing has been harassing my wife and I attempting to collect a dept from an apartment complex we moved from in July 2014. The apartment never contacted us for any sort of back rent or damages. In October 2014 we received our first call from FCO demanding we pay them 1200.00 for rent owed. I contacted the apartment who stated the amount was actually for damages. I asked them for pictures and proof because we were never made aware. The apartment never sent them. When I spoke to FCO I requested proof of these charges and they sent me a "generic list" that stated 10.00 in back rent. 75.00 for damaged blinds and the remaining balance was for damaged carpet. I agreed to pay FCO 75.00 for the blinds as we did work that out with the apartment. I disputed the remaining balance and FCO stated they would list it as disputed. I received an alert on my credit report that this went straight to delinquent and collections. There is no proof of these damages and I stated over a recorded line that I dispute the balance of charges. What is my legal recourse to recover my damaged credit report? They also reported this on my wife's credit.

I have been receiving calls on my cell from this person. I do not know who this is besides a debt collector as she begins to read a script when you answer. She is calling my job, I cannot have calls at work and I have asked her to stop calling but the very ANNOYING and RUDE Harassment continues. I usually just hang up before she finishes.