Debt collection harassment is stressful under any circumstances. When it involves an agency you have never heard of, calling repeatedly about a debt you may not even recognize, the confusion only makes it worse.
That is exactly the situation many consumers find themselves in when Fairway Capital Recovery, LLC starts calling. This guide explains who they are, why they are contacting you, what rights you have, and what concrete steps you can take to make it stop.
Fairway Capital Recovery, LLC (FCR) is a legitimate, licensed debt collection agency based in Cincinnati, Ohio. Founded in 2012, they specialize in recovering aged receivables for medical providers, retailers, and commercial creditors. They use a technology-driven compliance model across three internal divisions: early-stage collection, late-stage recovery, and legal processing.
That legal division matters more than it sounds. FCR can escalate from phone calls to a filed lawsuit faster than most agencies. Do not ignore them. Federal law, however, gives you powerful tools to fight back.
If calls are coming from (513) 619-7565 or (866) 734-1615, that is Fairway Capital Recovery. Call +1-844-638-1122. The Wood Firm PLLC has handled FDCPA and TCPA cases exclusively since 2010 and works entirely on contingency.
Key Takeaways
- Fairway Capital Recovery, LLC is a real Cincinnati-based agency founded in 2012 by Matt Alkire, licensed across medical, retail, and commercial debt categories
- They recently merged operations with Controlled Credit Corporation, significantly expanding their account portfolio
- Their in-house legal division means escalation to litigation is faster here than with most third-party collectors
- Federal FDCPA litigation has been filed against FCR, confirming that consumers can hold them accountable in court
- Each unauthorized automated call to your cell may be a separate TCPA violation worth $500 to $1,500, in addition to any FDCPA claim
- Whether you owe the debt or not, The Wood Firm PLLC can help. Free consultation, contingency basis
Who Is Fairway Capital Recovery?
Fairway Capital Recovery, LLC is headquartered at 4000 Executive Park Drive, Suite 300, Cincinnati, OH 45241. President and founder Matt Alkire has decades of industry experience and sits on the board of the Ohio Receivables Management Association. FCR markets itself as a high-compliance, technology-driven agency built on structured processes for every stage of collections.
Their three-division model is worth understanding. Early-stage handles fresh delinquencies, often acting on behalf of the original creditor before the account is charged off. Late-stage handles aged accounts that have already gone through internal collection attempts. The legal processing division manages pre-litigation preparation and actual court filings. That third division is what separates FCR from most general-purpose collectors. If your account moves into their legal track, the next step can be a summons served at your door.
FCR merged its operations with Controlled Credit Corporation, Inc. in a move that expanded both their account base and collection infrastructure considerably. If FCR is contacting you about a debt you have not heard about in some time, the merger may explain the renewed contact. The account may have been folded into their combined portfolio after the transaction closed.
One important distinction: Fairway Collections LLC is a completely separate company. A Washington state case involving Fairway Collections LLC as Arbor Health’s assignee, pursuing a consumer named Turner for a medical debt, is not the same entity this article covers. If you are being contacted by Fairway Collections rather than Fairway Capital Recovery, that is a different agency entirely.
Contact information:
- Phone: (513) 619-7565 / 513-619-7565 / 5136197565
- Toll-free: (866) 734-1615 / 866-734-1615 / 8667341615
- Address: 4000 Executive Park Dr, Suite 300, Cincinnati, OH 45241
- Payment portal: available at their official website (fairwaycaprec.com)
Why Is Fairway Capital Recovery Calling Me?
A creditor gave up on collecting your account. It could be a hospital, a retailer, or a commercial lender. When creditors stop trying to collect internally, they either sell the account outright to a buyer like FCR at a fraction of the balance or they hire FCR as a third-party collector to pursue it on their behalf. Either way, FCR now has the account and wants to be paid the full amount.
Because they are a third-party collector, the Fair Debt Collection Practices Act applies to every single communication they make: every call, every letter, every voicemail. The FDCPA is not optional for FCR and does not have exceptions for agencies with aggressive recovery models or in-house legal teams.
If FCR is contacting you about a payment you have already made, contact the original creditor directly first. Get a receipt, a bank statement, or a written confirmation showing the payment cleared. Then send FCR a written validation request asking them to prove the debt, name the original creditor, and document their legal authority to collect. That request goes via certified mail and triggers a legal obligation on their end to respond before collection continues.
Whether You Owe The Debt Or Not, We Can Help You!
Federal law protects you regardless of whether the underlying debt is valid. You may be entitled to:
- Up to $1,000 per FDCPA violation
- $500 to $1,500 per unauthorized automated call or text under the TCPA
- Attorney fees paid by FCR if we win. Not by you
Free consultation. No upfront costs. FCR pays our fees if we win.
FREE Case Review: +1-844-638-1122
How to Stop Fairway Capital Recovery Calls
Your phone is your most important tool right now. Not for answering FCR’s calls, but for documenting them. Note the exact time and date of every call you receive. Save every voicemail without exception. Screenshot every text with the timestamp clearly visible.
Do not assume any of this is useless. Automated voicemails sent to your cell phone without your prior written consent may each be a separate Telephone Consumer Protection Act violation worth $500 to $1,500 per message. Twenty unauthorized robocalls mean $10,000 to $30,000 in potential TCPA exposure before a single FDCPA claim is added. The calls you have already received may be your most valuable evidence.
The next move is a written validation request. Within 30 days of FCR’s first contact, send a certified letter to 4000 Executive Park Drive, Suite 300, Cincinnati, OH 45241. Ask FCR to confirm the exact amount owed, identify the original creditor by name, and show documentation of their legal authority to collect this specific account. Under the FDCPA, all collection activity must pause until they respond adequately.
Many collectors respond incompletely or not at all. That failure becomes part of your case. Review your complete rights at the FTC’s debt collection rights resource.
If calls continue after your validation request, send a written cease-and-desist letter by certified mail. Under CFPB debt collection rules, FCR must stop all contact once it receives it, except to confirm cessation or notify you of specific legal action. Keep a copy and the mailing receipt. Be aware: a cease-and-desist order stops the calls but does not eliminate the debt.
Given FCR’s in-house legal division, it may prompt a decision about whether to file suit. Responding to their initial contact is nearly always a better strategy than trying to make the situation disappear.
The most effective single action is the simplest one: call an attorney. Once FCR receives legal notice that you have representation, all contact must route through your attorney. The calls stop within 48 hours. The legal process begins.
And because The Wood Firm PLLC works entirely on contingency, making that call costs you nothing today. Reach us at +1-844-638-1122.
What Fairway Capital Recovery Cannot Legally Do?
FCR’s compliance branding and three-division infrastructure create no exceptions to federal consumer protection law. They cannot call you before 8 a.m. or after 9 p.m. in your time zone. They cannot threaten arrest, criminal prosecution, or property seizure for an unpaid consumer debt. They cannot call your employer about your balance after you have told them in writing that workplace calls are prohibited.
They cannot share your debt details with your family members, neighbors, or coworkers beyond what is necessary to locate you. They cannot threaten a lawsuit unless they genuinely intend to file one. They cannot add interest or fees not authorized in the original credit agreement.
When violations are systematic, the legal exposure is greater. A single call at 7:55 a.m. may be characterized as an accident.
The same violation repeated across ten calls over two weeks is a documented pattern. Courts treat patterns differently from isolated incidents. That is why logging every call with precise times matters more than it seems at first.
Lawsuits Against Fairway Capital Recovery
Batten v. Fairway Capital Recovery, LLC (W.D. Mo.) is a documented federal FDCPA case in which the plaintiff alleged violations under 15 U.S.C. § 1692. The complaint asserted that FCR’s collection conduct violated consumer protection law, resulting in motions that the Western District of Missouri federal court received and processed.
This case confirms that FCR is not above federal court scrutiny and that consumers who build documentation and engage qualified attorneys can hold them accountable. The FDCPA’s fee-shifting provision means that if you prevail, FCR pays your attorney fees. That provision eliminates the financial barrier that otherwise keeps most consumers from pursuing what the law says they are owed.
How to Remove Fairway Capital Recovery from Your Credit Report
An FCR collection entry on your Equifax, Experian, or TransUnion report can suppress your credit score significantly and remain on file for up to seven years from the date of original delinquency. Your options are real and worth pursuing.
- Dispute inaccurate entries in writing with all three credit bureaus. Provide supporting documentation. The bureaus must investigate within 30 days. Entries FCR cannot verify must be removed
- If validation was never provided before FCR reported the account, document that failure and reference it explicitly in your bureau dispute letter
- Pay-for-delete: if the debt is valid, negotiate written deletion from all three bureaus as a condition of any payment. Get a signed agreement specifying all three bureaus. Never pay based on a verbal commitment only
- FCRA grounds: inaccurate FCR reporting is a separate legal claim under the Fair Credit Reporting Act, in addition to any FDCPA violation
Why The Wood Firm PLLC Is the Right Call Against Fairway Capital Recovery
FCR has a legal division. You need one too. The Wood Firm PLLC has handled FDCPA, FCRA, and TCPA cases exclusively since 2010. We have never represented a creditor or collection agency. Whether the debt is real, disputed, or completely unfamiliar to you, we evaluate what FCR has done and lay out your options clearly.
Contact stops within 48 hours of legal notice. You pay nothing unless we win, and when we win, FCR pays our fees.
Call +1-844-638-1122.
About Attorney Jeff Wood
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection: FDCPA, FCRA, and TCPA cases. With over 15 years of experience and Of Counsel relationships in Arizona, California, Florida, Louisiana, Minnesota, Missouri, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Washington, and West Virginia, he has never represented a creditor or collection agency.
We Have Helped People Like You
“Fairway Capital called me before 7 a.m. repeatedly across three weeks about a medical bill I was disputing. I logged every call with the exact time. The Wood Firm PLLC filed the FDCPA claim on the time-of-day violations. FCR settled for $3,600, the calls stopped the same day, and the debt was removed from my credit report.”
Client, Ohio
“FCR contacted my mother multiple times and discussed details of my credit card balance with her directly. The Wood Firm PLLC identified the third-party disclosure violation and filed immediately. The case settled for $2,800 in statutory damages plus a written commitment that my family would never be contacted again.”
Client, Florida
“FCR left me a voicemail threatening arrest if I did not call back within 24 hours. I saved it. The Wood Firm PLLC used that voicemail as primary evidence in the FDCPA claim. Threatening arrest for a consumer debt is a clear-cut violation. The case settled for $4,100 plus full credit deletion.”
Client, Pennsylvania
Whether You Owe The Debt Or Not, We Can Help You!
Free Consultation. No Upfront Costs. FCR Pays Our Fees If We Win.
Common Questions About Fairway Capital Recovery
Is Fairway Capital Recovery a scam or a legitimate debt collector?
Legitimate. FCR is a licensed Cincinnati-based agency founded in 2012. That said, receiving calls from an unfamiliar company about an old debt is also exactly how scammers operate. Always request written validation before paying anything, regardless of who is calling.
Is Fairway Capital Recovery the same as Fairway Collections?
No. Fairway Collections LLC is a separate Washington state company involved in a medical debt collection case. Fairway Capital Recovery LLC is a Cincinnati, Ohio agency. They are distinct entities with no affiliation.
Can Fairway Capital Recovery’s legal division actually sue me?
Yes. FCR has a dedicated in-house legal processing division and can escalate to litigation. Never ignore a court summons. An unanswered lawsuit results in a default judgment giving FCR wage garnishment authority without ever proving their case in court.
What does the Controlled Credit Corporation merger mean for me?
FCR expanded their account portfolio significantly after merging with Controlled Credit Corporation. If FCR is contacting you about a debt you have not heard about recently, the merger may have folded that account into their combined operation.
How do I pay Fairway Capital Recovery if the debt is valid?
FCR offers a payment portal through their official website. Before paying anything, get a written pay-for-delete agreement specifying deletion from all three credit bureaus. Never pay on a verbal commitment. Call +1-844-638-1122 first so we can advise whether paying is your best path.
Should I pay Fairway Capital Recovery before speaking to an attorney?
No. Validate the debt, verify the amount is accurate, and confirm you are dealing with the correct entity. Whether you owe the debt or not, call +1-844-638-1122 before making any payment.
