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  FCOA is a national service provider offering extensive resources and an experienced staff to assist organizations coast-to-coast. Our customized approach sets us apart from our competitors. We take the time to understand your unique situation, your challenges and goals, then we customize effective collections and debt management strategies that fit your specific needs. With FCOA, you are more than a client, you are a partner, and we work side-by-side with your staff to protect and foster your established customer relationships.