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Holding Hands

Offering a helping hand

Correct, our job as a collection agency is to help recover past due accounts for our clients. But, we also proudly go beyond our scope to help you, the consumer. We feel it is essential to educate consumers on their rights and help them resolve their debts. If we can help consumers harmoniously resolve their debts, we can hopefully help them recover and retain their credit rating. 

By communicating and working with us, a consumer may be able to minimize damage to their credit, avoid a lawsuit and preserve relations with the business they are in debt to.

We highly recommend the consumer website, Know My Debt. There you can find many valuable resources to help with debt collection and managing your debt.



Additional Consumer Resources

Have questions about guidelines and regulations regarding collection?

Below are external resources from US federal agencies you may find helpful:

Know My Debt

An advocacy and education project from the members of ACA International, The Association of Credit and Collection Professionals.

Navigating My Debts
How to work with a debt collection agency about your debts.



Planning my Financial Future

Cambridge Credit Counseling

Cambridge Credit Counseling is a 501(c)(3) nonprofit agency that charges low fees for debt consolidation and bankruptcy counseling.

Consumer Financial Protection Bureau​
Tools, resources, research, and policy information are outlined to protect consumers.

Questions & Concerns

If you have been contacted by Fair Capital and have questions or concerns about your interaction, please get in touch with us, providing as much information as possible. We take consumer feedback extremely seriously and will do everything we can to address your inquiry.

If you believe that Fair Capital or one of its representatives has violated the FDCPA you can make a formal complaint with the Consumer Financial Protection Bureau.

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