Read what our clients say!

FCO is great! Collections can be a tough field but FCO takes pride in what they do, they take care of their clients, they're great at due diligence, and provide awesome customer service! Thanks for all you do, FCO! Two thumbs up.

Director of Collections

What I like best about working with FCO is their responsiveness. We began using them nationwide when we changed over to the Yardi platform. The Yardi/FCO integration makes sending past residents with balances to collections a much easier process. As a member of our company’s MIS department, I appreciate their availability and promptness in responding to any questions or issues we have. Everyone is accessible; from our Account Rep, the Systems & Integration Analyst, VP’s of Collections, to the CIO. All communicate quickly and efficiently. They are wonderful to work with.

Business Systems Analyst

I've had the pleasure of working with Carol and the FCO team for 20 or more years with a variety of portfolios. FCO's work is consistent and high quality and I have great confidence in them. FCO operates with the highest level of integrity and gets the job done!

Regional Vice President

What we appreciate about FCO is not just the collection results, which have been excellent, but the fact that they listen to our needs, and have been extremely responsive to them. I have been working with the FCO team for many years and it has been a pleasure knowing we have their professional support to back us. FCO’s prompt service and attention is just a reflection of their customer service for their clients. Our experience with other debt collectors has been frustrating based both on their poor performance and customer service, or lack thereof. The professionalism and zeal that has been exhibited by the leadership and the rest of the FCO team is exemplary and we look forward to doing continued business with.

Collections Manager

I've worked with FCO for many years. They're a top notch organization meeting all our collection needs for our portfolio. I highly recommend FCO.

Chief Operating Officer

Our organization values our relationship with FCO. FCO is not just another vendor, but a true business partner with our community teams. We value FCO as a professional company who are the experts in our Residential Apartment Industry. We trust FCO. They show us results that not only meet our expectations but exceeds them... month over month. FCO provides us with a quality of customer service that is outstanding. The sales team are exceptional and absolutely fantastic with how quickly they respond to our needs!
FCO is one of the key components to our Success!

Senior Training Director

In this challenging environment it is reassuring to know that our collection partner is actively working our past due accounts. FCO brings to the table a professional collection team focused on improving our collections through innovative strategies and top of the line reporting tools.

Ancillary Business Services Manager

FCO has provided exceptional results for our company and their level of customer service has far exceeded our expectations.

Vice President

Our property management firm has consistently high standards, not just of ourselves but of all those we choose to work with. FCO has consistently exceeded those standards by beating performance expectations, providing clear, concise data that helps us manages our communities and consistently thinking outside the box to help us push our business to new levels. FCO are not vendors but partners that we value and highly recommend.

Senior Vice President

We have had great success in the difficult process of collections ever since we moved our accounts to FCO. The collection rate is three times better than the previous vendor. The process is easy, effective and the staff has been nothing but professional in all aspects of the collection process. With previous collection agencies, I would get calls from our former residents telling me how unprofessional the collection agency was and that they used scare tactics. Not the case with FCO. I would highly recommend them to any other management company.

Senior Vice President, Property Management

My management firm continues to have success with FCO. The process of submitting new accounts is made very simple, and the online account access keeps our company up to date on our collections in Real Time, not to mention the reporting is terrific. In the demanding multi family business, we do not take for granted the fact we have a company like FCO we can rely on, so that we can concentrate on managing and growing the other areas of our company and our bottom line.


There are three things that set FCO apart from other collection agencies:

  1. Service: The FCO representatives that are assigned to us are friendly, responsive and professional. On many occasions I have needed numbers mid-month and they responded immediately
  2. Reports: They have an extensive menu of reports that answer any question one might have. I also appreciate that we can select what we want to see on a monthly basis.
  3. Results:We are pleased with the posted results within our portfolio. I do not believe this would be possible without having partnered with FCO.


FCO collects many accounts we thought were uncollectible. Their return rate is constantly better than anticipated. I know there are lots of companies that say they can collect, but we don't even consider changing when solicited by their competitors.

Controller, Vice President

In addition to providing an easy, efficient, successful collections process for my communities, FCO provides the highest level customer service. They never fail to respond immediately to my many questions or requests for customized reports or community specific information. With all of the companies they serve, they somehow make me feel like I'm the only customer they have and never fail to deliver on my needs in an extremely timely, professional, customer-focused manner.

Regional Property Manager

Simply put, we at FCO:

  • Are equiped and ready to interface with your business platform.
  • SAS70 Type II Certified - Providing CPA level assurance of internal and financial controls.
  • Have multiple call centers working your accounts, collecting for you!

FCO is a proud and actively contributing member of the NMHC - Multifamily Information and Transactions Standard (MITS) initiative.

"The MITS initiative is an industry-wide effort by the apartment sector to develop common data standards and extensible mark-up language (XML) protocol to facilitate data and systems integration". -