First Credit Services Phone Harassment?
Is First Credit Services (FCS) calling you? Stop First Credit Services phone harassment. Many consumers have been called repeatedly by First Credit Services, leading to disruption and stress. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so, what they are doing is illegal and needs to stop. If you have contacted First Credit Services in writing to stop, they must comply.
You have the legal right to stop FCS phone harassment. You also have the right not to receive calls at inconvenient times or after you have requested not to be contacted. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. First Credit Services must operate in compliance with federal and state debt collection laws, such as the FDCPA.
Is First Credit Services a Scam?
According to the Better Business Bureau website, First Credit Services has been in business for 25 years. There have been 39 complaints filed against FCS with the BBB.
First Credit Services Better Business Bureau
Who is First Credit Services?
First Credit Services is third party debt collector located in Piscataway Township, New Jersey. As a third-party debt collector, First Credit Services collects debts on behalf of a creditor. When disputing a debt, it is important to identify the original creditor, as this is the entity that initially issued the debt and may still be reported on your credit report.
Address: 377 Hoes Ln Ste 200
Piscataway, NJ 08854-4155
Phone: (732) 726-1800
First Credit Services is often referred to or searched for by other names. These include:
first credit services first credit inc first credit collections first credit incorporated 1st credit services 1st crd srvc first credit collection agency fcs collections firstcredit fcs solve my debt first credit services inc first credit collection first credit debt collection fcs debt collection first credit debt collection agency first credit debt collectors first credit services complaints 1st credit services collection 1st card services collections fcs incorporated first card services collection agency first credit services phone number fcs collection agency 1st crd srvc collection first credit services collection agency what is credit services first credit inc cincinnati ohio first credit services debt collector fcs.solve my debt first collection agency credit first collections credit suite complaints first collection services reviews fcs solve my debt fcs car service fcs corporation fcs collection agency fcs services hoes phone numbers fcs inc fci collections first credit corporation fcs number fcs debt collection cincinnati collection agencies
First Credit Services Collection Tactics
If First Credit Services engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime, or falsely claiming you owe more than you actually do
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed
The Fair Debt Collection Practices Act covers household debts, including credit cards, auto loans, medical bills, and mortgages.
First Credit Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
800-606-7066, 201-205-2910, 732-305-8350, 732-726-1800, 888-887-3134, 888-769-3076, 800-278-7172, 800-580-3912, (800) 606-7066, (201) 205-2910, (732) 305-8350, (732) 726-1800, (888) 887-3134, (888) 769-3076, (800) 278-7172, (800) 580-3912, 8006067066, 2012052910, 7323058350, 7327261800, 8888873134, 8887693076, 8002787172, 8005803912
If the answer is yes, then you are receiving calls from a known FCS number. You may be a victim of FCS phone harassment. The list above is not all the numbers that FCS uses. The calls can be from a different number and it still be First Credit Services calling you. Voicemails left by First Credit Services are also considered communication attempts under the law. If you answer the line and receive a message from First Credit Services, you should keep a record of the communication. Contact our office right away so we can start the process to stop FCS from calling you illegally. Above all, no one should live with harassment!
Credit Report and Debt Collector
Your credit report is a crucial document that details your credit history, including your payment records, open accounts, and any outstanding debts. When you owe a debt, collection agencies like First Credit Services may report this information to a credit reporting agency, which can have a significant impact on your credit score and financial future. That’s why it’s essential to understand your rights under fair debt collection practices and federal law.
Debt collectors, including First Credit Services Inc., are required by the Fair Debt Collection Practices Act (FDCPA) to provide only accurate and complete information when reporting to credit bureaus. If a debt collection agency reports inaccurate information or fails to update your credit report after a debt is paid or disputed, it can harm your credit and violate your consumer rights. In such cases, you may be entitled to statutory damages and other remedies under state and federal laws.
It’s important to regularly review your credit report for any signs of inaccurate information or debts you do not recognize. If you find an error, you have the right to dispute it with both the credit reporting agency and the debt collector. The Fair Credit Reporting Act (FCRA) gives you the power to challenge and correct any mistakes, ensuring your credit report reflects only accurate information.
Sometimes, debt collectors may threaten to garnish your wages or bank account to collect a debt. However, under federal law, a collection agency must first obtain a court judgment before they can take such action. If you are receiving calls or threats from a debt collector about garnishment or legal action, it’s important to know that you have rights and options. Consulting a law firm experienced in fair debt collection, such as Consumer Rights Law Firm, can help you stop harassing calls and protect your financial interests.
The Better Business Bureau and other consumer protection organizations offer valuable resources to help you understand the debt collection process and your rights. Keeping a record of all communication, including repeated calls or abusive language, can be crucial if you need to file a complaint or take legal action.
Remember, debt collectors and credit services companies must comply with all state and federal laws when contacting you about a debt. If you believe First Credit Services or any other collection agency has violated your rights, don’t hesitate to contact a lawyer or consumer protection agency to discuss your situation. By staying informed and proactive, you can take control of your credit, stop harassment, and work toward debt relief with confidence.
Common Questions
Is FCS a scam? No, First Credit Services has been in business for 25 years.
Can First Credit Services garnish my wages? Yes, FCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. You are only required to pay if the debt is valid and a judgment has been obtained.
Can FCS sue me? Yes, FCS can sue you so long as the debt is within the statute of limitations
Can FCS report my debt to the collections bureaus? You have the right to request validation of the debt before making any payments or accepting the debt as accurate.
Can FCS arrest me?
The following is a sample list of complaints filed against First Credit Services in the past year and can be found on Pacer.org.
2:10-cv-00311-PSG-CT Barraza v. First Credit Services
0:11-cv-62010-WPD Osazin v. First Credit Services
4:10-cv-01185-RWS Murphey v. First Credit Services
2:09-cv-01020-MHW-NMK Murray v. First Credit Services
5:12-cv-00493-XR Bartlett v. First Credit Services
About Us
Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. We are dedicated to client satisfaction and strive to achieve positive results for every client we represent. Rather than suffer alone, contact our office to begin the process to stop the First Credit Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from First Credit Services call us at (877)700-5790 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions. The staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question. Before the harassment calls stopped, it was stressful being on the other end of repeated debt collection calls, but I was even compensated. I would recommend this company to anyone going thru this type of harassment—a very satisfied customer”.
“Because of a lie from a third party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
Check out the links below for more information:
