How to Stop First Credit Debt Collection from Harassing You

Stop Debt Collectors How to Stop First Credit Debt Collection from Harassing You

How to Stop Harassment from First Credit Debt Collection

Approximately, 4 in 5 American households owe some form of debt to various creditors. However, not every person is able to pay a debt on time as agreed when taking it. When a debt is overdue, creditors can use multiple methods to try and recover the money. One of the steps lenders usually take (as the last option) is to sell the debt to a debt collection agency, such as First Credit Services debt collection. Therefore, if you have ever received a call, text, or email from a debt collection company, you now know what happened.

The issue arises when the debt collector tries to use every means at their disposal to recover the funds from you. This is why the federal government enacted the Fair Debt Collection Practices Act (FDCPA) to protect consumers by governing how third-party collections can interact with the debtor. If you're currently getting harassment from any debt collector, DoNotPay can help you resolve the issue. In this article, you'll learn exactly how to deal with a popular debt collections agency, First Credit Services Incorporated.

What is First Credit Services?

This is a debt collection agency that offers first-party (early-stage) and third-party (late-stage) debt collection services, among other services, across the United States. If your creditor has forwarded you to First Credit, they'll start calling, texting, or emailing you to inform you of your debt. When doing so, they should fully adhere to the FDCPA and your state's debt collection laws and statute of limitations.

CompanyFirst Credit Services, Inc. (
Mailing Address9 Wills Way, Piscataway, NJ 08854
Phone Number(732) 726-5690
Email or Contact Form
Fax(732) 726-6497

Is First Credit Services Legit?

Yes. However, there have been several complaints from debtors against First Credit for violating the FDCPA, including using robocalls to reach borrowers.

Can You Take Legal Action against First Credit Services Inc for Harassment?

If you have suffered any harassment that violates the Fair Debt Collection Practices Act, you can fight back. DoNotPay can help you take the first steps by demanding a debt validation letter or stopping them from calling you. And when necessary, we can file a complaint on your behalf, and you can be paid up to $1500 for every inappropriate phone call or violation of FDCPA.

What are Your Rights When Dealing With First Credit Debt Collection?

In the US, every debt collection agency, including First Credit Services, cannot go against FDCPA or other state-specific debt collection laws when chasing you for debt. But how do you know the company is disregarding your consumer rights?

  • Calling you continuously with the intention of annoying you
  • They are calling you past 9 p.m. or before 8 a.m.
  • Call when you're at work, after orally or in writing informing them that they shouldn't
  • Inform a third party about your debt
  • Lie about the actual amount you owe
  • Abuse/harass you or any other person they reach out about your debt by using inappropriate language
  • Give false information to force you to pay the debt, including
  • using a fake debt collection name
  • forwarding inaccurate credit data to anyone
  • claim to be law enforcement officers/threaten that you'll be arrested/jailed
  • threaten to garnish your earnings or sell your property without obtaining legal permission to do so

Do Debt Collections Affect Your Credit Score?

Yes. Your debt collections can adversely affect your credit report. The best course of action is to pay off the debt. You can try to talk with the agency for a less-than-debt agreement. If there are false debt collections on your credit report, DoNotPay can help clean it as well as assist you to increase your credit limit.

How to Respond to First Credit Services Inc Debt Collector

Upon receiving any communication from First Credit Services regarding your debt, you can take a few steps to make sure they don't get to harass you.

  1. Inform them that you understand your FDCPA rights. This can motivate the collector not to violate any rights.
  2. Don't give any personal information such as credit card details or allow them to bother/threaten you.
  3. Confirm that the debt is yours by checking the validation letter to ascertain the creditor, collector, and why you have a debt.
  4. If you find any false information about the debt, request a debt verification letter from the collector within 30 days. Otherwise, if the statute of limitations has expired or is close to, you can opt to ignore the collections.
  5. If you agree to pay the debt, you can first negotiate with the collector for arrangements on how you'll pay. Alternatively, you can tell them off from contacting you or even report them to the FTC or CFPB if they violate your rights.

Life itself is not that easy, and adding the stress of dealing with debt collection can drain your energy. If you want an easy method, you can sign up with DoNotPay and get the heavy lifting done for you.

Use DoNotPay to Dispute First Credit Debt Collections

Has First Credit Services been contacting or harassing you for weeks or months? We understand how frustrated you might be. Using DoNotPay's Debt Collection product, you can seamlessly determine if the agency has violated any of your rights. And subsequently take the next course of action against them, including writing a demand letter or reporting them to the FTC or CFPB.

Here's how it works in 3 easy steps:

  1. Search “debt collection” on DoNotPay.


  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.


  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.


And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

DoNotPay Works Across All Debt Collection Agencies

DoNotPay can help you regardless of the agency chasing you for debt. If you want to learn more about debt collections, we have got you back with the right resources for every problem you're currently facing.

Why Use DoNotPay to Stop First Credit Services, Inc Debt Collection

You can let debt collectors run over you or you can stop them from harassing you. DoNotPay is the best decision you can make because we are:

  • Fast: You can spend a lot of time searching for laws that apply to your debt collectors or you can use DoNotPay to make it faster.
  • Easy: You only have to accomplish three steps to get the ball rolling on your complaint.
  • Successful: You can rest assured that we are making the best case for you.

What Else Can DoNotPay Do?

You can do more than just stop annoying, empty threats from debt collectors; we can help you with much more, including:

Join us for more info!

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