Apartment Debt Collector Reviews

Fair Credit Outsourcing Reviews

Type:  Apartment Debt Collector

Are you looking to make informed decisions about Fair Credit & Outsourcing? Take inspiration from our Fair Credit & Outsourcing reviews that offer valuable insights into the experiences of real consumers. Tenant Watch Dog adds an extra layer of research, equipping you with all the necessary information to make a truly informed decision. We value your input and encourage you to share your feedback using our feedback form at the bottom of this page. Your review can help others make the right choices and create a more fair and equitable society. Let us work together to promote responsible lending and outsourcing practices that benefit all.

Fair Credit &Amp; Outsourcing Reviews
2.1
Rated 2.1 out of 5
2.1 out of 5 stars (based on 48 reviews)
Excellent0%
Very good10%
Average23%
Poor29%
Terrible38%

In this Debt Collector Review...

Company Information

Customer Service Phone Numbers

About Fair Credit & Outsourcing

Who is Fair Credit & Outsourcing?

Fair Credit & Outsourcing is a debt collection agency situated in Baltimore Maryland, which specializes in debt recovery for rental properties and commercial enterprises. It is crucial to note that while making any arrangement with a debt collector, it is imperative to adhere to the settlement terms to prevent a negative impact on your credit rating. In the event of receiving any telephone calls from our agency, kindly acknowledge that it is an attempt made to collect a debt or alleged debt. It is noteworthy that the original creditor is typically a past apartment you might have rented previously, and this is how apartment debt collectors might have obtained your personal data. We are committed to helping consumers.

Our 2024 Review

FCO Collections, also known as Fair Collections and Outsourcing is a third party debt collector based out of Maryland.  Based on the research completed by Tenant Watch Dog this FCO Collections Review will provide details on their willingness to work with tenants that supposedly owe a balance with FCO Collections.

We recommend being very careful if you’re having to deal with FCO Collections, also known as Fair Collections and Outsourcing.  As stated in a lawsuit filed by the Consumer Financial Protection Bureau:

“Finally, the Bureau’s complaint alleges that FCO and Michael E. Sobota violated the Fair Debt Collection Practices Act when FCO represented that consumers owed certain debts when, in fact, FCO did not have a reasonable basis to assert that the consumers owed those debts.”

Source: CFPB

This FCO Collections Review has been thoroughly researched and verified from not only other consumers but various other sources to provide the best possible information that will help other consumers.

Fact-Checked Information

Fair Credit & Outsourcing has numerous complaints with the Bureau of Consumer Financial Protection from consumers that have dealt with FCO Collections.  The average consumer complaint is based on Pay for Delete Not Honored and Reps being very unprofessional or deceptive.

As part of our Fair Credit & Outsourcing Reviews, you can easily check how unhappy other consumers are with FCO Collections, by taking a look at the many lawsuits filed against the debt collection agency on the (“PACER”) website. PACER is the U.S.’s federal docket which will list all federal complaints filed against various companies. A search for the agency will display over approximately 140 lawsuits filed in the United States., most of these commonly implicate violations of the Fair Debt Collection Practices Act (FDCPA).

Although, FCO Collections, also known as Fair Collections and Outsourcing is a real debt collector the question of the debt collection agency being a scam depends of the consumers’ dealings with them.  As stated above Fair Credit & Outsourcing is a third-party debt collector who buys debt.  They are known for deceptive practices, a simple Google search can reveal numerous results for complaints.  They are not a scam.

Tenant Watch Dog provides the information contained in this Apartment Debt Collector Review as a free informational service to help other consumers deal with getting their debt resolved easily. We are NOT affiliated with any Debt Collector Company in which we write reviews for nor do we promote affiliate offers as other "websites" do.

Professional
1.2/5
Settlement Available
2/5
Communitcation
1/5
Valid Debt
1/5

Pro's

Cons's

Recommended Articles

Fair Collections And Outsourcing Pay For Delete
Debt Collection Help
Linda Williams
Fair Collections and Outsourcing Pay for Delete

Fair Collections and Outsourcing Pay for Delete Strategy to help consumers settle their outstanding debt with Fair Collections and Outsourcing.

Apartment Debt Collection Guide
Free Debt Collection Help
Tenant Watch Dog
Apartment Debt Collection Guide for 2024

Ultimate Apartment Debt Collection Guide for 2023. Everything consumers need to know when dealing with multi-family debt collections.

Protect Your Credit Score From Debt Collectors
Free Debt Collection Help
Tenant Watch Dog
Protect Your Credit Score from Debt Collectors 5 Tips

Are you struggling with debt? If so, this Protect Your Credit Score from Debt Collectors article will help. You may be dealing with some not-so-pleasant debt collectors who are constantly

National Credit Systems Pay For Delete Success
Debt Collection Help
Tenant Watch Dog
National Credit Systems Pay for Delete Success

National Credit Systems Pay for Delete Success can be accomplished through what is called a National Credit Systems Pay for Delete Agreement. Read more to find out how the

Why Is Hunter Warfield Calling Me
Debt Collection Help
Tenant Watch Dog
Why is Hunter Warfield Calling Me?

Why is Hunter Warfield Calling Me? Find out the Truth about why you are receiving correspondence from Hunter Warfield and what to do about it.

Know Your Consumer Rights

Are you dealing with Fair Collections & Outsourcing or another debt collector? An important part of the Fair Collections & Outsourcing Reviews on our site is to make sure consumers have the information they need.  Be aware that the Federal Debt Collection Practices Act (FDCPA) is in place to protect your rights!

This law prevents collectors from contacting you

  • At early or late hours
  • Continuing to call after being asked not-to
  • Harassing anyone involved with the debt and
  • Making false claims.

It is also required for them to validate any requested debts within 30 days of receiving notice – so ensure they are complying by brushing up on FDCPA regulations first.

When it comes time to interact with Fair Collections & Outsourcing or other agencies like them: knowledge really IS power!

Fair Credit & Outsourcing Reviews by Real Consumers

Previous Paid Debt

Rated 4.0 out of 5

Paid this debt years ago and it popped up on my credit report, after providing the proof they were very helpful closing the account and removing from my credit report.

Emelia
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Identity Fraud

Rated 4.0 out of 5

Glad they actually know what they are doing, was a victim of identity fraud.

Adelyn
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

The Worst

Rated 1.0 out of 5

Worst collection company to deal with. Anyone unlucky enough to get a collection with FCO Collections Good luck. They will refuse to work with you whether the debt is yours or not.

Humberto
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Hateful reps

Rated 2.0 out of 5

Just rude, and hateful people they scream at you and do not try to help at all.

Adolfo
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Crooks

Rated 1.0 out of 5

Biggest Crooks and liars on the planet. There’s a special place in hell for disrespectful people. I am appalled and so freaking pissed off.There hateful and rude and disgraceful!

Jackson
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Unhelpful for sure

Rated 2.0 out of 5

Not helpful bone in their bodies at all !! Rude, unwilling to help resolve the error, not to mention they treat me as if I done something wrong and refuse to allow me to speak to a supervisor because they can’t help me unless I’m paying the balance.

Alexzander
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

No Communication

Rated 2.0 out of 5

Never got a telephone call, a letter or a negotiation for 7 years. Well too bad for them, it will be off my report soon, i would have gladly paid the debt.

Nickolas
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Rediculous

Rated 2.0 out of 5

Maybe hire reps that can actually speak real english and not pure ghetto. They are mean and hateful.

Marley
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Abusive and Rude

Rated 1.0 out of 5

Fair Collections and Outsorcing, aka Fco Collections is fraudulent and abusive not to mention deceptive. They are violating the FCRA ( Fair credit reporting act ) and FDCPA ( Fair debt collection practice act ). Their employees and supervisors yelled at me, used violent language and didn’t give a crap about anything I had to say.

Damaris
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Customer Service Needs Help

Rated 3.0 out of 5

Nothing positive to say about the experience. Their customer service skills definitely need help.

Amiya
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Totally Unreasonable

Rated 2.0 out of 5

The worst collection company to work with ever. They are very unreasonable. I paid my debt in full and they were completely unwilling to remove this from my report.

Alvin
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Lies

Rated 2.0 out of 5

Worst customer service I’ve ever seen, beyond rude and they lie repeatedly! They promised me that when I paid my debt in full that it won’t show on my report , I paid it and they still report it on my credit report!! When you call again the rude disrespectiful rep tells me it is what it is what do you want? I told her to remove it she said I can’t help you and hung up on me! Wow

Daniel
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Typical Debt Collection Company

Rated 3.0 out of 5

I mean what do people expect from a debt collector. Pretty much unprofessional.

Marquis
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Debt Not Owed

Rated 2.0 out of 5

A bunch of liars. They are known for attempting to collect debts not owed. Do your research before contacting them.

Makenna
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Extremely Helpful

Rated 4.0 out of 5

Extremely helpful getting my debt taking care of. Paid less than what was originally owed which was great.

Kelly
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Money Hungry

Rated 1.0 out of 5

These people will not negotiate a settlement they are money hungry bastards.

Aaron
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Abusive Language

Rated 2.0 out of 5

Worst reps ever; they pretend they wanted to hear the reason why you have not paid and then basically told you to shut the fuck up. Always called in anonymous numbers, major red flag.

Annalise
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

No words

Rated 1.0 out of 5

Apartment was broke into and I had to leave for my safety the door locks were half broken and no one would fix it. I do not owe them a damn penny.

Lawson
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Dont Care About Covid

Rated 1.0 out of 5

Because of COVID-19 and a huge loss of income, I tried to negotiate a settlement of the debt with the FCO Collections but they were not willing to work with me. I was advised that I only had the option to pay the settled amount in one lump sum.

Davion
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Will Not Remove from Credit

Rated 3.0 out of 5

Paid the debt in full, still on my credit report. The reps are not that nice at all.

Kelsey
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Loud and Obnoxious

Rated 2.0 out of 5

These reps act like you owe them personally, very disrespectful and loud and unprofessional.

Kelvin
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Not my debt

Rated 1.0 out of 5

Not my debt, I have never done business with FCO or the original creditor they still demad payment.

Kaitlin
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Time Consuming

Rated 3.0 out of 5

It was an ok experience, took longer than usual to get them off my credit report.

Gemma
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Idiots

Rated 2.0 out of 5

Refused to verify the debt, the stupid rep decided to tell me it is not their responsibility to that it is my responsibility to prove it is not my debt.

Triston
Verified

Response from Tenant Watch Dog

Thank you for providing a review on FCO Collections, also Known as Fair Collections and Outsourcing your review will help other consumers going through similar situations.

Thank GOD for your Website, Helped Me Deal with FCO COLLECTIONS

Rated 2.0 out of 5

I found this website on Reddit. I was dealing with so much stress dealing with FCO Collections. They are so unprofessional, rude, and totally incompetent. Debt Collectors that buy debt are so rude. They act like you owe them personally. These people threatened me on multiple ocassions. I am so happy to be done with them for good

Frank
Verified

Response from Tenant Watch Dog

Thank you for your review, it is very important for all consumers share their experiences to help other consumers 🙂

Submit Your Own Apartment Debt Collector Review

Please submit your own review to be added to our 2024 Apartment Debt Collecor Reviews!

Have You Had an Experience with an Apartment Debt Collector, Submit Your Review Below?

Our Fair Credit & Outsourcing Reviews started in early 2020 and we are now including 2024 Fair Credit & Outsourcing Reviews.