They are an apartment debt collector hired by the apartment complex or property management company. They claim that you owe them money for some reason. One reason that Fair Collections and Outsourcing (FCO) may be reporting wrong information on your credit report is that the apartment complex told them too. This is why a direct dispute of Fair Collections and Outsourcing (FCO)’s files is so important. If the debt collection is going to appear on your credit report it must be 100% correct, verifiable, and timely. We make sure that it is and that your rights are enforced.

Dispute with Fair Collections and Outsourcing (FCO) You can dispute the account that they are reporting to the credit bureaus directly with the credit bureaus or directly with Fair Collections and Outsourcing (FCO). We believe that direct disputes may yield the best results when you know exactly the correct dispute process. Texas residents are owed documentation to validate the apartment debt collection within certain time frames. Even if they provide the documents, they must be compliant with Federal and State law. Your rights give you the opportunity to possibly find violations. Violations can possibly be used to offset the amount owed or entice the debt collector to remove the account from the credit report.

Settle with Fair Collections and Outsourcing (FCO) You can decide to settle with the apartment debt collector. One debt settlement strategy is to create a Hardship letter detailing why you can not pay the full amount due. So many consumers do not go through this extra step and it will make you stand out. Our law firm writes a professional hardship letter with many debt negotiations. Ask for removal of the account from the credit report as part of the settlement. This is often called a Pay for Delete agreement. Remember, the deal is no good unless it is writing from Fair Collections and Outsourcing (FCO).