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Fair Capital

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1 User Review
LAST UPDATED: December 3rd, 2021

Fair Capital is a debt collection agency located in New City, New York that has been in business since 2017. Fair Capital specializes in healthcare debt collection for clinics, dental practices, hospitals, physician groups, private practices, urgent care, and medical billing. The collection agency can help businesses of any size collect deductibles, copays, coinsurance, non-covered services, and any other out-of-pocket fees.

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The Good

  • Industry Memberships
  • Pricing Options
  • Free Quotes
  • Online Portal
  • Skip Tracing Technology

Industry Memberships

Fair Capital is a member of both the New York State Collectors Association and the Association of Credit and Collection Professionals. Members of these organizations adhere to strict ethical standards and have access to educational materials not available to the public.

Pricing Options

Fair Capital offers two pricing options for its clients: flat-rate and a “no money, no fee” option.

Flat-rate pricing is charged up front and typically ranges from $15 to $25 per account.

“No money, no fee” pricing depends on the age of the account, the average balance, the account volume, and the account industry. It typically ranges from 25 percent to 45 percent of the debt collected per account. If clients choose this option, they won’t be charged unless and until the debt is collected.

Free Quotes

Fair Capital offers free quotes for potential clients. All that’s needed for a quote is the number of accounts the client is collecting from, how much money the client wants to collect, and how long on average the debts have been outstanding.

Online Portal

Fair Capital offers a 24/7 online portal where clients can make payments and access customizable reports and updates whenever they need to.

Skip Tracing Technology

Fair Capital uses state-of-the-art skip tracing technology to track down debtors whose contact information is no longer valid. It is able to find and verify the identity of individuals who may owe you debts by accessing a database of over 125 billion records. If you are a lender having trouble tracking down your debtors, this option might be appealing to you.


The Bad

  • Lack of Experience
  • Limited Fair Capital Reviews
  • Limited States Serviced

Lack of Experience

Fair Capital has only been in business for three years, which could put the debt collection agency at a disadvantage compared to more experienced companies.

Limited Fair Capital Reviews

Fair Capital is lacking in customer reviews. This is a drawback to potential customers who are looking to find a reliable debt collection agency. We would like to see Fair Capital soliciting more reviews from customers in order to get a better sense of customer sentiment before we would feel comfortable recommending this company as your debt collector of choice.

Limited States Serviced

Fair Capital's services are offered only in the following states: California, Delaware, Georgia, Kansas, Kentucky, Mississippi, Missouri, Montana, New Hampshire, New Jersey, New York, Oklahoma, Pennsylvania, South Carolina, South Dakota, Utah, Vermont, and Virginia.

If you are looking for debt collection services in a different state from the ones listed above, you will need to research other companies.


The Bottom Line

Fair Capital is willing to work with businesses of any size or industry. Additionally, its flexible pricing makes it possible for any company to receive help collecting on debts. 

While it has a lack of experience relative to other debt collection agencies, with its free quotes and 24/7 online portal, Fair Capital is a debt collection agency worth looking into for any business, particularly in the medical industry.

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1 Reviews

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S Felberbaum Monsey, NY

5 stars all around for this company! Fair Capital was one of 3 debt collection agencies we contracted to handle our large portfolio of debt. Although Fair Capital was the last agency contracted, they quickly climbed the ranks to earn their place as our primary Agency. Fair Capital demonstrates a high level of professionalism backed with strong client communications skills, response time, and percentage of recovery. We are very pleased with their performance and would highly recommend them to anyone.

1 month ago

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Reply from Fair Capital

Thanks for taking the time to write about your experience. It is our pleasure and honor to represent you. Best wishes, The Fair Capital Corporate team Edit

Jan. 11th, 2022