Debt collection calls from an unfamiliar company are stressful, especially when the debt itself is hard to place. Fairway Capital Recovery, LLC is a licensed debt collection agency based in Cincinnati, Ohio that specializes in recovering aged receivables for medical providers, retailers, and commercial creditors. This guide explains who the company is, why it may be contacting you, and what steps you can take.
Key Takeaways
- Fairway Capital Recovery, LLC (FCR) is a Cincinnati-based agency founded in 2012, licensed across medical, retail, and commercial debt categories.
- FCR reportedly merged operations with Controlled Credit Corporation, which may explain contact about an older account.
- FCR maintains an in-house legal processing division, which can allow faster escalation to a filed lawsuit than with many third-party collectors.
- Each unauthorized automated call to your cell phone may be a separate TCPA violation worth $500 to $1,500, in addition to any FDCPA claim.
- The Wood Firm PLLC handles these cases on contingency. You pay nothing unless we win.
Free Case Review: +1-844-638-1122
Who Is Fairway Capital Recovery
Fairway Capital Recovery, LLC is headquartered at 4000 Executive Park Drive, Suite 300, Cincinnati, OH 45241. The company was founded in 2012 by Matt Alkire, who reportedly sits on the board of the Ohio Receivables Management Association. FCR describes itself as a technology-driven agency built around three internal divisions: early-stage collection, late-stage recovery, and legal processing.
The legal processing division is worth understanding, since it manages pre-litigation preparation and court filings. If an account moves into that track, the next step can be a summons. FCR also reportedly merged operations with Controlled Credit Corporation, Inc., which expanded its account portfolio and may explain renewed contact about an older debt.
Fairway Capital Recovery is not the same company as Fairway Collections LLC. Fairway Collections is a separate Washington state entity involved in unrelated medical debt matters. If a caller identifies as Fairway Collections rather than Fairway Capital Recovery, you are dealing with a different agency.
Fairway Capital Recovery 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
- Website: fairwaycaprec.com, which reportedly includes a payment portal
Why Is Fairway Capital Recovery Calling You
FCR generally becomes involved after a hospital, retailer, or commercial lender stops pursuing an account internally. The creditor either sells the account to FCR outright or hires FCR as a third-party collector. Either way, the FDCPA applies to every call, letter, and voicemail FCR sends, regardless of its compliance branding or in-house legal team.
If FCR contacts you about a debt you believe you already paid, consider contacting the original creditor first for a receipt or written confirmation. From there, a written validation request sent by certified mail asks FCR to prove the debt, name the original creditor, and document its authority to collect.
Is Fairway Capital Recovery a Scam or a Legitimate Company
Yes, Fairway Capital Recovery is a licensed, legitimate debt collection agency founded in 2012, not a scam. That said, an unfamiliar company calling about an old debt is also how scam callers often operate, so requesting written validation before paying anything is a reasonable step regardless of who is calling.
Is Fairway Capital Recovery Banned by the FTC
No. FCR does not appear on any public FTC ban or enforcement action as of this writing. Consumers can still pursue individual FDCPA and TCPA claims in federal court, as the case below shows, or file a complaint with the CFPB or their state attorney general.
What Fairway Capital Recovery Cannot Legally Do
FCR’s compliance branding and multi-division structure do not create any exception to federal consumer protection law. The company generally cannot:
- Call before 8 a.m. or after 9 p.m. in your time zone
- Threaten arrest, criminal prosecution, or property seizure over an unpaid consumer debt
- Call your employer after being told in writing that workplace calls are not allowed
- Share your debt details with family, neighbors, or coworkers beyond what is needed to locate you
- Threaten a lawsuit it does not genuinely intend to file
- Add interest or fees not authorized in the original credit agreement
A single early or late call may be an isolated mistake. The same pattern repeated across many calls is the kind of documented history that logging call times and dates can help establish.
How to Stop Fairway Capital Recovery Calls
- Document every call. Log the date, time, and content, and save every voicemail and text with a visible timestamp. An automated voicemail to your cell phone without prior consent may be a separate TCPA violation worth $500 to $1,500 per message.
- Send a written validation request within 30 days. Mail a certified letter to 4000 Executive Park Drive, Suite 300, Cincinnati, OH 45241, asking FCR to confirm the amount owed, name the original creditor, and document its authority to collect. Under the FDCPA, collection activity must generally pause until FCR responds adequately. The FTC’s debt collection rights resource covers this process in detail.
- Send a cease-and-desist letter if calls continue. Under CFPB rules, FCR must generally stop contact except to confirm cessation or notify you of a specific legal action. A cease-and-desist stops the calls but does not eliminate the debt.
- Contact an attorney. Once FCR has notice of representation, contact generally routes through your attorney within 48 hours. Call +1-844-638-1122.
How to Remove Fairway Capital Recovery From Your Credit Report
- Dispute inaccurate entries in writing with Equifax, Experian, and TransUnion. Bureaus must generally investigate within 30 days, and entries FCR cannot verify should be removed.
- If validation was never provided before FCR reported the account, reference that failure directly in your bureau dispute letter.
- If you decide to pay, get a signed pay-for-delete agreement specifying deletion from all three bureaus before sending payment.
Inaccurate reporting can support a separate claim under the Fair Credit Reporting Act, in addition to any FDCPA issue.
How The Wood Firm PLLC Helps With Fairway Capital Recovery Cases
In our practice, we review call logs, letters, and credit reports to evaluate whether FCR’s conduct crossed FDCPA or TCPA lines, whether validation was properly provided, and whether the underlying debt and creditor are accurately identified.
We handle FDCPA, FCRA, and TCPA cases on contingency, so you pay nothing unless we win, and FCR generally pays our fees when we prevail. Call +1-844-638-1122.
If Fairway Capital Recovery is calling you, visit our contact page to share the details of your situation.
Frequently Asked 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. Receiving calls from an unfamiliar company about an old debt is also how scam calls often present themselves, so requesting written validation before paying anything is a reasonable step either way.
Is Fairway Capital Recovery the same as Fairway Collections
No. Fairway Collections LLC is a separate Washington state company involved in unrelated medical debt matters. Fairway Capital Recovery LLC is a Cincinnati, Ohio agency, and the two are distinct entities.
Can Fairway Capital Recovery’s legal division actually sue me
Yes, the company maintains an in-house legal processing division and can generally escalate an unpaid account to litigation. Consider never ignoring a court summons, since an unanswered lawsuit can result in a default judgment.
What does the Controlled Credit Corporation merger mean for me
FCR reportedly expanded its account portfolio 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 its combined operation.
How do I pay Fairway Capital Recovery if the debt is valid
FCR reportedly offers a payment portal on its website. Before paying, consider getting a written pay-for-delete agreement specifying deletion from all three credit bureaus, and avoid relying on a verbal commitment.
Should I pay Fairway Capital Recovery before speaking with an attorney
Consider validating the debt and confirming you are dealing with the correct entity first. Call +1-844-638-1122 before making any payment.
What to Do Next If Fairway Capital Recovery Is Calling You
Document every call, and send a written validation request before paying or discussing the account further. If calls continue after a written request, or a summons arrives, those situations are worth a closer look. Call +1-844-638-1122 for a free case review with The Wood Firm PLLC.
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection, handling FDCPA, FCRA, and TCPA cases since 2010. He has never represented a creditor or collection agency. He maintains Of Counsel relationships with attorneys licensed in fourteen states.
