No money, no fee option

Fair Capital mostly operates on a contingency basis, so you can rely on our “No Money, No Fee policy”. This means you receive your funds or our collection services are free, so there is nothing you can lose.

Respectful collection approach

Our professional collectors handle debtors with great respect, we approach every account with the realization that we are a direct reflection of our client. Fair Capital has a reputation in the collection industry as an agency that never resorts to aggressive collection tactics to liquidate delinquent accounts.

Compliant, licensed & bonded

Fair Capital employees are trained professionals who know the best techniques in collections while making sure to obey the law which includes the FDCPA FCRA and more. Our communications are always in accordance with state and federal law.

Top skip tracing technology

Skip-tracing is the process of tracking down individuals whose contact information is no longer accurate or unknown. At Fair Capital, we utilize top skip tracing technology to help us achieve maximum results. Our state-of-the-art skip tracing technology gives us access to over 10,000 databases for a total of 125 billion (that’s right, billion) records—allowing our professional skip tracers to locate people, assets and businesses, and verify identities as necessary. Our professional skip tracers will, if necessary, perform deep investigations to locate your debtor.

Credit reporting

We report non-payers directly to the credit bureaus. In general, a debt or delinquent account will negatively affect a debtor’s credit score for up to seven years. Experience has proven this to be an effective tool, as a debtor will often agree to a payment arrangement simply to avoid credit-score damage.

E&O insured

E&O coverage is intended to cover an honest mistake, error or omission, resulting from the professional services of a company. For a collection agency, the coverage most often defends debtor lawsuits stemming from their collection activity.

HIPAA compliant

We are compliant with all applicable rules and regulations of the Health Insurance Portability and Accountability Act (HIPAA)

ACA international member

ACA International is the largest debt collection association who ensures its members perform professionally and ethically. ACA International demands debtors be treated with dignity and respect.

NYSCA member

The NYSCA is an association of over 135 New York State collections agencies, whose purpose is to further promote the general welfare of the credit and collection industry and to provide its members with tools that help in running a better collections business. All NYSCA members have open access to a variety of free resources and are regulated by the Federal Fair Debt Collection Practice Act.

BBB accredited

24/7 Online portal access

Our online portal is a cloud-based system allowing you to submit new accounts, review and update existing accounts and generate tailored reports.

Reports and updates (Customizable)

With our system, you conveniently get to generate customizable reports to fit your needs.

High-performing collection strategy

With Fair Capital by your side, your business can expect maximum results while adhering to Federal, State, and Local laws and regulations.

Dedicated and adjustable to your specific needs

When it comes to debt collection a one-size-fit-all approach will usually be ineffective and a customized approach may be vital for success, that's why we offer flexibility in forming the collection process that fits best with your business model.