American First Finance Debt Harassment

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American First Finance Debt Harassment?

Are you receiving harassing calls and text messages from American First Finance? Do they call you several times a day or at inconvenient hours and places (such as your place of employment)? And finally, do you wish that there was a way to get debt collection agents from American First Finance off your back for good? There’s good news because after reading this article, you will never need to endure American First Finance phone harassment or harassment from any other debt collector.

What image comes to your mind when the word “debt collector” is mentioned? Is it an image of a reputable business entity or one of a coin-grabbing rogue who will do almost anything -whether legal or not- to turn a profit?

Regardless of how you view debt collectors or what images the mention of the name of a debt collection agency triggers in your mind, the fact still remains that they are legally entitled to collect the money that you owe to them or to your first-party debt collector (on whose behalf they are collecting the debt) and no law or consumer rights attorney will save you from that.

On the flip side, if you are being harassed by agents from the American First Finance debt collection agency, then there is a more serious issue at hand, and soliciting the services of a consumer rights attorney will do you tremendous good.

What you may not know is that the law mandates debt collection agencies to abide by the laws prescribed by the Fair Debt Collection Practices Act and the Telephone Consumers Protection Act, both of which protect the rights of consumers in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money to them.

If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.

Call us now at 877-700-5790 to discover how we can help you.

The Three Stages of The Debt Collection Process

There are several stages that the debt passes through before it becomes the property of a debt buyer or third-party collection agency. Typically, during the first six months (which is the first stage) of your debt going into delinquency, you will still be receiving calls from your creditor’s internal team of collectors. This entity is referred to as the original creditor (from whom you originally secured the loan) or a first-party collector; you, on the other hand, are the second party in the transaction. We strongly advise you to try to resolve your debt during this period, as your first-party collector is almost always willing to maintain a cordial relationship with you. This is not so much the case for third-party debt collectors.

When a lot of time has gone by (usually 6 months and above) your first-party debt collector may determine that you have no plans to repay your loan, thus, they will need to employ a more persuasive strategy. In the event of this, your loan will most likely be transferred to an external collection agent, also known as a third-party debt collection organization. At this stage, the debt is still the property of your original creditor and is still owed to them. If the third-party debt collection agency hired by your original creditor succeeds in collecting all or part of the debt you owe, they will earn a commission in the form of a fee or a percentage of the total amount of money recovered.

In the third and final stage of the debt collection process, your original creditor is fully convinced that you have no intention to pay up your debts, thus they cancel the debt and sell it (usually for a lot less than the actual amount) to a debt buyer which may also be a collection agency. At this point, your original creditor is no longer part of the deal, and any money recovered belongs entirely to the debt buyer or third-party collection agency. The debt collection agency then starts trying to collect on the debt through any means possible in order to turn a profit. This is the stage that many of you currently find yourselves in.

Is American First Finance a scam?

No, America’s first finance is not a fraudulent organization but a legitimate financial and debt collection agency recognized by the BBB. According to the Better Business Bureau website, American First Finance debt collection agency has been in business for 7 years and got accredited by the BBB in 2019. There have been several complaints filed and closed against America’s first finance, the most recent being only a month ago.

Even though the organization is legitimate, it is still pertinent to investigate the details of the agency calling you and claiming to be representatives of American First Finance, as reported cases of debt collection scams are steadily on the rise.


What is American First Finance?

American First Finance is a premier financial technology company that seeks to provide consumers with alternatives to traditional retail lending. The company also makes it a mission to come up with creative solutions that support both businesses and their customers, most of whom do not have pristine credit.

American First Finance also aligns itself with several merchants across several industries such a furniture and home decor, appliances and electronics, jewelry, dental care, automotive repair, and several others.

American First Finance Contact:

PO Box 565848

Dallas, TX 75356-5848


(855) 721-1188


American First Finance Complaints

As we briefly mentioned earlier, there have been countless complaints filed with the Better Business Bureau against American 1st finance, the most recent one being under a month ago.

This, however, does not mean that American First Finance is a fraudulent company. The company is well known and reputed for providing financial solutions to merchants across several industries.

How do we help you stop American First Finance Debt Collection Harassment?

As an A+ accredited law firm, we will use our knowledge of both state and federal laws to work on your behalf and immediately stop the harassment stemming from the American First Finance debt collection process.

If you are facing American First Finance phone harassment we will send a cease-and-desist letter to the company on your behalf. This should stop the harassment you face by cutting off every means of communication between you and the organization, and if you retain us as your legal counsel, all future correspondence between you and the agency will be directed to our office instead of to you. ,

Furthermore, if American First Finance has violated your consumer rights or any state law in the process of trying to recover debts from you, then you may be entitled to monetary compensation and statutory damages set at $1000 for the violation of the FDCPA and $500 – $1500 for the violation of the TCPA. The debt collector will also be made to pay your attorney’s fees and costs. Call us today at 877-700-5790 for immediate assistance.

American First Finance Phone Number

Are you receiving any harassing phone calls from any of the following numbers?


If the answer is yes, then you are receiving calls from a known American First Finance phone number. You may be a victim of American First Finance phone harassment.  Like many other debt collectors, American First Finance may use several numbers to call you.

Contact our office right away at 877-700-5790 to start the process of stopping American First Finance phone harassment. Help is only a phone call away.


Do you have a Question?

Do you have a question about the American First Finance debt collection or the entire debt collection process in general? Click here to ask a professional now!


Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from American First Finance. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at 877-700-5790 for immediate assistance.

Check out the links below for more information:


Maryland Attorney General 

Consumer Financial Protection Bureau 

You may also be receiving debt collection calls, robocalls, or threats from these companies as well:

United Adjustment Debt Collection Harassment

First Platinum Corporation Debt Collection Harassment

AA Recovery Solutions Inc. Debt Collection Harassment

Debt Collection Harassment from Credit Information Bureau, Inc.

Credit Control Services, Inc. Debt Collection Harassment

Stop Compass Recovery Group Harassment

Is First Premiere Bank Calling

Comenity Bank Phone Harassment

American first finance
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.