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.

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.

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.

Yes. 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.

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.

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

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.

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.

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

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

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

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.

Commercial debts most typically arise in a business setting between business entities. Consumer debt, on the other hand, is debt that is incurred by an individual.

Your account or invoice number.

The amount of the bill on the Itemization Date This amount includes any fees, interest, or other charges owed as of that itemization date

Itemization Date = The transaction date.It is the date that the good or service that gave rise to the debt was provided or made available to the consumer. Alternative dates that may be used The last statement date. The charge-off date. The last payment date. (It can be the date a third-party payment was applied to the debt, such as a payment from an auto repossession agent or an insurance company, if that payment was the last payment on the account.) The judgment date. What is a debt collection "Itemization date"?

The Date of First Delinquency is the date the account became delinquent and was not brought current. This date is used to determine when the account must be deleted from a credit report.

The rate charged in interest (if any). Interest can be broken down as Simple, Annual, Quarterly, Monthly, and Daily. By default, Simple Interest calculations are used and will never compound. (Annual, Quarterly, Monthly, and Daily interest can also be used please reach out to your representative for more details) .

The date when interest begins to accrue on the account (if any).

The amount of fees (if any) since Itemization Date.

The amount of credits (consumer and/or insurance payments) since Itemization Date.

We appreciate any additional information that you can provide. For example: product or service rendered, co-payment, deductible, reason for non-payment Etc.

Itemization Date = The transaction date.It is the date that the good or service that gave rise to the debt was provided or made available to the consumer. Alternative dates that may be used The last statement date. The charge-off date. The last payment date. (It can be the date a third-party payment was applied to the debt, such as a payment from an auto repossession agent or an insurance company, if that payment was the last payment on the account.) The judgment date. What is a debt collection "Itemization date"?

The Date of First Delinquency is the date the account became delinquent and was not brought current. This date is used to determine when the account must be deleted from a credit report.

Commercial debts most typically arise in a business setting between business entities. Consumer debt, on the other hand, is debt that is incurred by an individual.

Your account or invoice number.

The amount of the bill on the Itemization Date This amount includes any fees, interest, or other charges owed as of that itemization date

The rate charged in interest (if any). Interest can be broken down as Simple, Annual, Quarterly, Monthly, and Daily. By default, Simple Interest calculations are used and will never compound. (Annual, Quarterly, Monthly, and Daily interest can also be used please reach out to your representative for more details) .

The date when interest begins to accrue on the account (if any).

The amount of fees (if any) since Itemization Date.

The amount of credits (consumer and/or insurance payments) since Itemization Date.

We appreciate any additional information that you can provide. For example: product or service rendered, co-payment, deductible, reason for non-payment Etc.

Absolutely! Please use this Excel template to prepare your bulk file Online portal Go to: www.thefaircapital.com > Client Login > Upload Accounts in Bulk. Choose the file you wish to upload, and click "Upload." Automatic Import Manager: Integrate directly into your database, for a seamless transfer. You can add accounts using FTP, FTPS, SFTP. or our API. The automatic Import manager allows you to pull information into Fair Capital automatically, to either add new data or update existing data.

Collected funds are forwarded monthly by check. Remittance is sent on the first of every month.

Yes, from time to time we will recommend legal action, internally or via our affiliate attorneys. However, we will never pursue legal action without your authorization.

Fair Capital delivers solutions for businesses of all kinds and sizes: small, medium, or large—we offer flexibility and customized solutions like no other competitor does! Whatever your receivables problems, we are your solution.

Depending on various factors, Fair Capital will deduct a percentage of the total amount it collects for you as its collection fee. This is our “No money, no fee” policy in action—ensuring that our services cost you nothing unless we get you your money first! Ask us more about our flat fee debt collection services.

By law, debt collectors may not collect any debt collection fee from debtors—unless a legally binding contract or agreement exists between creditor and debtor that states that such may be charged. That’s why we encourage you to first “read the fine print” on any legal contract or documentation to see if it clearly states anything to that effect, before you transfer of our collection fees onto your debtor.

Once an account has been assigned to our agency, we strongly advise you should direct your customer to us for any payments. However, if a customer insists on paying you directly, please accept their direct payment and make sure to notify us immediately.

Yes, we have a couple of options to Integrate directly, for a seamless transfer. You can add accounts using FTP, FTPS, SFTP. or our API. The automatic Import manager allows you to pull information into Fair Capital automatically, to either add new data or update existing data.

Yes Fair Capital does offer HIPAA Business Associate Arrangements for protected entities.

Go to: www.thefaircapital.com > Client Login > Enter New Claims.

Collection results are available in real time through the online portal. Reports are also emailed to our clients on a monthly basis. Custom reports are also available, upon request.

Our collection agency will deploy a strategically calculated collection flow, designed to generate maximum results while preserving your client relationship. Our collection flow includes a soft initial collection phase, and will “appropriately” escalate as time goes by. No matter the level of collection intensity, our team of professionals will always remain loyal to their pledge to “treat every human being with dignity and respect.”

We store data permanently.

Yes, we report to the credit reporting agencies. You can choose not to report, or to report only some of your accounts.

You can find your online payment ID on your collection letter. See sample below. If you are still unable to locate your online payment ID, you can contact our office at (855) 505-5669

Pay online: www.thefaircapital.com/make-a-payment Pay by phone: 845-832-8880 Mail your payment to: Fair Capital LLC P.O. Box 399 New City, NY 10956

The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive, unfair or abusive practices to collect money from you. Anyone who regularly collects debts, including collection agencies, lawyers, and companies that buy delinquent debts, must abide by the rules set forth under the FDCPA. Examples of how the Fair Debt Collection Practices Act works No harassment Debt collectors are not allowed to harass you or anyone else you know over the phone, in person, or by mail. They cannot be abusive or threatening in any way. Reasonable hours and place(s) of contact Debt collectors are prohibited to contact you before 8 a.m. or after 9 p.m. If they know that you are not allowed to make or take personal phone calls while at work, they may not contact you at work, either. Attorney representation Once debt collectors know that an attorney is representing you, they must cease contact with you; any contact with you must be made through your attorney. Per the FDCPA, there are other things a debt collector cannot do, including: Use profane or vulgar language in an attempt to intimidate you. Lie about the amount of debt owed. Tell you they are an attorney or law enforcement officer if they are not. Contact anyone other than you, your spouse, or your attorney. Threaten legal action when none is actually being considered. Give false information about you and your account to credit reporting bureaus or another business, or threaten to do so. Publish your name, address, or any other personal information on a list of bad debts.

M&A (Acquisitions & Mergers) is the short answer, that means many different entities transferred or consolidated with HSBC during the past years. Which enabled different cardholders to be under the HSBC bank umbrella. Here's a list of including but not limited entities which have been transferred or consolidated with HSBC bank, in the past years. Orchard Bank. Capital one. HSBC Nevada. Discover. Metris. Direct Merchants Bank. Bank of America. Household Bank. Discover Fnancial. Cross county Bank. Renasant Bank. Best Buy retail services. WalMart. Therefore even though you do not recognize to have an HSBC account you should In most cases be able to recognize one of the listed entities above.

Some people would rather pay the company they created the debt with rather than a third-party debt collector. However, you may not have that option depending on the creditor's arrangement with the collection agency. Often, the original creditor has a contract with the collection agency that prevents the creditor from accepting payment for your debt. In some cases, the original creditor has sold the debt to a debt buyer who now owns the debt outright.

Your medical history is not part of a credit report, but past due medical debts can affect your credit reports and credit scores. An injury, illness, or surgery can result in unexpected and unplanned medical bills. While health insurance may help, many people still struggle to pay medical bills while trying to make ends meet. As of Sept. 15, 2017 there’s a 180-day waiting period when a healthcare provider turns your account over to a collection agency because you haven’t paid the amount due, before the unpaid medical debt can show up on your credit report. The waiting period allows consumers time to make payments or payment arrangements before the collection agency can report the debt as past due. When you receive your bill, be sure to examine it carefully and compare it with the explanation of benefits provided by your health insurance provider. If you believe you've found an error, contact your medical provider or health insurance company. If you’re facing mounting medical expenses, here are some things you may want to consider that may help prevent medical bills from appearing on credit reports: Contact your health insurance company. Know your coverage and follow up to ensure the company is paying costs it has agreed to cover. Negotiate with your health provider. If you can’t afford to pay a bill, try to work with your medical provider to reduce the amount owed or set up a payment plan. If you believe medical debt has been listed on your credit report erroneously, contact the medical provider or collection agency first. You can also file a dispute with the three major credit bureaus. If possible, prepare for medical procedures in advance by finding out what your insurance will cover and what costs you’ll be responsible for. It’s always a good idea to regularly review your credit reports to ensure the information is accurate and complete. You’re entitled to a free copy of your credit report from each of the three credit bureaus every 12 months.

The federal “Fair Credit Reporting Act” states that most negative information can stay on your credit report for seven years from the date of last activity. The date of last activity is usually the date that the creditor charged off your account as uncollectible, and it is usually noted on your credit report.

In most cases, a judgment will need to be filed against you in order to freeze your bank account. Once there is a judgment against you, if you haven't taken steps to pay the judgment or agreed to a satisfying payment plan, the agency can request that the court issue an order that directs the bank to freeze your account. These orders are often called garnishments or attachments. In some cases, a creditor can freeze a bank account without first getting a judgment. Federal or state authorities can issue their own attachment documents and send them to a bank to freeze accounts for unpaid obligations such as taxes or child support.

If Fair Capital contacted you, there is a chance that you have a past due account with a company you are currently doing business with or have done business with in the past.

When making a payment with the Fair Capital collection agency, the charge may appear as “Fair Capital LLC” along with the number 845-832-8880 on your bank or credit card statement.

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Fair Capital, except for our proven above-average results; Here’s a great rundown on why so many businesses are switching to Fair capital ● No money, no fee option ● Respectful collection approach ● Compliant, licensed & bonded ● Top skip tracing technology ● Recovery Scoring ● Credit reporting ● E&O insured ● HIPAA compliant ● ACA international member ● NYSCA member ● A+ Rated by the BBB ● 24/7 Online portal access ● Reports and updates (Customizable) ● High-performing collection strategy ● Dedicated and adjustable to your specific needs

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