Securing What’s Rightfully Yours – Full Circle – With Confidence and Legal Backing
Professional Debt Collection & Note Purchasing Services — delivered with legal integrity, transparency, and client-centered care.
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Why Choose Full Circle Asset Recovery
Licensed. Attorney-Backed. Fully Compliant Nationwide.
Navigating debt collection, asset recovery, or note purchasing can be complex — but you don’t have to handle it alone. At CO3 Capital International LLC, we combine industry expertise, legal oversight, and regulatory compliance to provide trusted, professional recovery solutions tailored to creditors, trustees, and legal firms.
Our Achievements
Here are some key milestones that highlight our expertise and commitment:
Portfolios Managed
Successfully managed and resolved over 1,200 debt and asset recovery portfolios across various industries and sectors.
Legal Cases Supported
Provided legal and investigative support for over 350 court-appointed and trustee-led recovery cases.
States Served Nationwide
Operating across 30+ states with full licensing and compliance with local and federal debt collection laws.
Funds Recovered
Recovered over $10 million in surplus, bankruptcy, and debt-related assets for clients and institutions.
Our Core Services
Comprehensive Asset Recovery & Financial Claim Solutions
We provide specialized debt collection and asset recovery services designed to help creditors, trustees, and legal professionals recover owed balances, resolve complex claims, and secure rightful assets—efficiently, lawfully, and with full transparency.
Debt Portfolio Purchasing
We acquire charged-off consumer debt portfolios — including credit card balances, medical accounts, auto deficiencies, and unsecured personal loans — with a compliant, data-driven approach.
Collection Services
Licensed debt collection for owned and third-party accounts. We collaborate with legal professionals and special counsel to ensure efficient and ethical recoveries.
Bankruptcy Asset Recovery
As court-appointed agents, we support trustees in recovering concealed or overlooked assets during bankruptcy proceedings — especially in the Northern District of Ohio.
Legal Support Services
We provide skip tracing, asset investigation, and documentation support for collection attorneys and agencies, including Medicaid lien enforcement.
How It Works
We assess your portfolio, legal case, or recovery opportunity to ensure eligibility and compliance.
Our team handles all research, filings, and documentation — supported by licensed attorneys.
We pursue recovery through compliant processes, strategic negotiation, and lawful enforcement.
Recovered funds are transferred securely to clients or rightful claimants with full reporting and transparency.
Compliance & Legal Rights
Know Your Rights
You are protected under federal and state law. Here’s what you should know:
• You have the right to request debt validation within 30 days of our first communication
• You may request that we cease communication at any time
• If you dispute the debt in writing within 30 days, we will provide verification
• We will only contact your attorney if you are represented
Notice:
If you do not dispute the debt’s validity within 30 days after receipt of this notice, it will be
assumed valid by the debt collector.
Privacy & Security
Your Data. Your Rights.
We implement strict physical, electronic, and procedural safeguards to protect all personal data
in accordance with federal law. CO3 Capital does not share or sell client information.
California Residents Notice
Under the Rosenthal Fair Debt Collection Practices Act and the federal FDCPA:
• We may not call you before 8:00 AM or after 9:00 PM
• We may not use harassment, threats, or abusive language
• We will not call your workplace if we know you can’t receive personal calls
Client Testimonials
What Our Clients Say About FCAR
Frequently Asked Questions - FAQs
We understand that this process can feel confusing — that’s why we’re here to guide you every step of the way.
We purchase and recover various forms of charged-off consumer debt, including credit card balances, medical bills, auto loan deficiencies, personal loans, and other unsecured accounts. We also assist with surplus funds from foreclosures and bankruptcy asset recovery.
Yes. We are fully licensed and operate in compliance with the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and all applicable state regulations. We are also accredited and court-appointed in several jurisdictions.
We work directly with trustees, courts, and law firms to identify recoverable assets, conduct skip tracing, prepare legal documentation, and assist in enforcement. Our team ensures that all filings are accurate and in full compliance with court procedures.
Nothing upfront.
If you’ve received communication from us regarding a debt or asset recovery, it’s important to read the notice carefully. You have the right to request validation or dispute the debt within 30 days. Ignoring the notice may result in the debt being considered valid.
Absolutely. We use strict physical, electronic, and procedural safeguards to protect your personal and financial information. Your data is never sold or shared without your consent, and all processes follow federal privacy regulations.
Have Questions?
We understand that dealing with asset recovery, collections, or legal support services can feel intimidating. That’s why we’re here to guide you with clarity and professionalism.
Get in touch with us — a member of our team will be happy to assist you.
Contact Info
CO3 Capital International LLC
DBA Full Circle Asset Recovery LLC [Your Business Address] Cleveland, OH [ZIP Code]
OFFICE Hours
Monday – Friday : 9:00 AM – 6:00 PM EST
Saturday: 9:00 AM – 2:00 PM EST
Sunday: Closed
Contact Form
Have a question or request? Fill out the form below, and we’ll get back to you as soon as possible!
Recover What’s Owed. We’ll Handle the Rest.
Trusted, attorney-backed, and fully licensed — CO3 Capital helps creditors and fiduciaries recover what’s rightfully theirs.