Fair Capital is a debt collection agency based in New York that positions itself as a high-tech, compliant, and customer-friendly partner for businesses struggling with unpaid accounts. With services spanning consumer, commercial, and healthcare debt recovery, they offer broad support across industries. But as with any collection agency, the real question is: are they the right fit for your business?
Who is Fair Capital?
Fair Capital LLC is headquartered in New City, New York. They also list a secondary business address in Spring Valley. The company operates with a strong online presence, offering a 24/7 portal where clients can upload accounts, view collection activity, and download reports.
Their contact details include:
- Website: https://www.thefaircapital.com
- Phone: (845) 832-8880 or Toll-Free 1-855-505-5669
- BBB Profile: View BBB Listing
- Review Summary: Trustpilot Feedback
They market themselves as compliant, insured, and a member of ACA International, with particular experience in urgent care, law firm, telecom, utility, and government collections.
Their Approach to Collections
Fair Capital promotes a softer, more respectful form of debt recovery. They emphasize compliance with consumer protection laws such as the FDCPA and HIPAA, especially in medical debt collection. For businesses, they offer contingency-based services, meaning they only get paid when you do.
Their collections process typically starts with phone calls, emails, and letters. If those fail, they use credit bureau reporting, skip tracing, and legal escalation options. This tiered system is similar to other national agencies, but the company claims its transparency and online tools give it an edge.
More information on their client interface can be found here: Fair Capital Client Portal
What Should Businesses Consider?
While Fair Capital’s pitch may sound appealing, businesses must look beyond the marketing. It's essential to understand fee structures, what happens if legal action is required, and whether the agency has experience in your industry.
For example, if you’re a landlord or property manager, consider whether the agency specializes in rent collection. Agencies that focus more broadly may not be as effective in the niche world of tenant debt. Read our blog on Best Collections Agencies for Property Management Firms to learn what to look for in a specialized partner.
If you’re in healthcare, you’ll want to verify HIPAA compliance and sensitivity toward patient relationships. Our post on Medical Debt Collection: What Patients and Providers Should Know outlines the key issues to evaluate when choosing a vendor.
How Does Fair Capital Compare to ACB?
Advanced Collection Bureau (ACB) has over 25 years of experience in debt recovery, with a specific focus on residential rent, broken leases, and tenant delinquencies. While Fair Capital covers a broad range of accounts, ACB's specialization in housing-related debt gives us a sharper advantage for property owners, landlords, and apartment communities.
Unlike many agencies, ACB reports to credit bureaus twice per month, offers real-time skip tracing, and ensures all communication is handled in-house by trained professionals. We never outsource.
We also operate on a true contingency fee model: if we don’t recover, you don’t pay. Our approach blends legal compliance with high-efficiency tactics, backed by dedicated account managers who answer your call every time during business hours. To learn more, visit our Work With Us page.
If you’re comparing agencies, also take a look at our blog post Choosing the Best Outsource Debt Collection Agency, which provides a step-by-step checklist.
Final Thoughts
Fair Capital offers a compelling mix of tech tools, compliance, and contingency-based pricing. For many businesses, especially those handling medical or commercial debt, they may be a suitable partner. However, if you are a landlord or property manager looking to recover unpaid rent or resolve broken lease agreements, Advanced Collection Bureau may be the more specialized choice.
Make sure to vet any collection agency based on their licensing, legal compliance, transparency, and recovery performance in your industry. If you need help recovering debt and want to work with a dedicated, U.S.-based team that knows how to get results, reach out to ACB today.
