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Who is Fair Collections & Outsourcing?

Fair Collections & Outsourcing, also operating as FCO, is a debt collection agency. If they've contacted you, they believe you owe a debt.

That's not proof the debt is yours — and it doesn't change what the FDCPA stops them doing.

Send a cease & desist — $30Log this call — free

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FA

Fair Collections & Outsourcing

Also known as FCO

Known number
(800) 495-5322
1
Mailing address
12304 Baltimore Ave, Beltsville, MD, 20705
2
CFPB complaints
1,457 since August 17, 2025
3
Governed by
FDCPA · 15 U.S.C. § 1692
4
Your options
A cease & desist legally stops contact once they receive it
5

Phone numbers used by Fair Collections & Outsourcing

A collection agency runs many lines. If any of these called you, it was them — and each has its own page with what to do next.

Where to send a letter to Fair Collections & Outsourcing

Fair Collections & Outsourcing

12304 Baltimore Ave

Ste 2E

Beltsville, MD, 20705

www.fco.com

Cease & desist and debt-validation letters only take effect once received, so they go by certified mail with tracking.

Complaints about Fair Collections & Outsourcing

Consumers filed 1,457 debt-collection complaints against Fair Collections & Outsourcing with the Consumer Financial Protection Bureau since August 17, 2025. The most common was attempts to collect debt not owed.

  • Attempts to collect debt not owed633
  • False statements or representation317
  • Written notification about debt238
  • Took or threatened to take negative or legal action221

None were closed with relief — the company responded with an explanation. Filed most often from TX, FL, CA, MD, GA.

Complaints are unverified allegations submitted by consumers to the CFPB, not findings of wrongdoing. Counts also rise with the number of accounts an agency holds, so a larger collector will report more than a smaller one. Figures are counted from the CFPB's public Consumer Complaint Database and are filed under the registrant name FAIR COLLECTIONS & OUTSOURCING, INC..

If any of this matches your experience, start a file — a documented pattern is what turns a complaint into evidence. You can also complain to the CFPB directly.

What Fair Collections & Outsourcing is not allowed to do

  • Call before 8:00 a.m. or after 9:00 p.m. your local time (§ 1692c(a)(1)).
  • Keep contacting you after you've asked in writing that they stop (§ 1692c(c)).
  • Discuss your debt with your family, employer or neighbours (§ 1692c(b)).
  • Threaten action they can't or don't intend to take (§ 1692e(5)).
  • Continue collecting after a written dispute until they've sent verification (§ 1692g(b)).

Read the fuller list on your rights under the FDCPA, and check your state's additional protections.

Stop the calls

Or let us send the cease & desist for you.

Once Fair Collections & Outsourcing receives written notice to stop contacting you, § 1692c(c) requires them to stop. We draft it against your file, print it, and send it certified with tracking — so you have proof of the date they received it.

  • Drafted from your logged contacts
  • Printed and mailed certified, with tracking
  • Delivery date filed to your evidence vault
  • You approve the wording before it goes
Send a cease & desist — $30

One-time, no subscription. Logging calls is free — you only pay when a letter goes out.

This is general information, not advice

Collector Audit is not a law firm and this page is not legal advice. Directory details are collected from public sources and user reports and can go out of date — confirm an address before relying on it. See our full disclaimer.