An unfamiliar collection account can matter more than the phone call that brought it to your attention. If First Federal Credit & Collections is seeking payment for a medical bill or another account you do not recognize, first identify the original creditor, the account, and the amount being collected.
That is especially important with medical debt. FFCC historically marketed collection and billing-follow-up services to physician practices and the Florida medical community. Before paying or disputing only the collector’s name, compare the underlying provider records with the information now being used for collection.
Who Is First Federal Credit & Collections, and Why Might It Have My Medical Account?
First Federal Credit & Collections is the business name associated with Alchro, Inc., a third-party collection agency that historically served physician practices, which helps explain why its name may appear on a medical account.
A historical medical-industry publication described Alchro, Inc. d/b/a First Federal Credit & Collections as providing billing follow-up and collection services to physician practices.
Historical institutional publication describing FFCC’s medical collection services
In files involving this type of account, our first question is often whether the consumer recognizes the original provider, not merely the collector. A lack of direct dealings with FFCC does not by itself show that the provider account is invalid.
The Florida Division of Corporations record lists Alchro, Inc. as inactive following an administrative dissolution in September 2023. That does not automatically erase an underlying debt, but it makes current entity and contact verification important.
How Can I Verify the Original Provider, Account, and Balance Before Paying?
Start by comparing the amount being collected with the original provider or creditor records before deciding whether to pay.
For a medical account, compare the provider ledger and itemized bills with dates of service, insurance Explanation of Benefits, payment receipts, adjustments, credits, and the amount placed with the collector. An Explanation of Benefits, or EOB, shows how an insurer processed a claim. It is not itself a bill.
We regularly compare the provider’s final account history with the collection balance because recognizing the medical practice does not establish that the amount is correct. A payment, insurance adjustment, address problem, or account-data error may explain a difference.
The current BBB complaints page includes reports involving unfamiliar debts, a disputed medical account, and requests for supporting information. Those are consumer allegations, not findings of misconduct, but they illustrate why the original provider records matter.
How Should I Dispute an FFCC Account I Do Not Recognize or Cannot Verify?
A useful dispute should identify the specific problem with the account rather than simply saying that you do not recognize the collector.
Determine whether you dispute the provider, service date, patient identity, billing address, balance, missing payment, insurance adjustment, or connection between the provider account and the collection account. Keep the collection notice, your written dispute, proof of delivery, and any response.
What matters first in these files is a clear timeline. We want to know what was challenged, when the dispute arrived, what information came back, and what collection activity followed.
The BBB business profile currently shows a D- rating, says the business is not BBB accredited, and displays two complaints from the previous three years, both marked unanswered. A BBB rating or complaint does not determine whether your own debt is valid.
What If FFCC Appears on My Credit Report Before I Understand the Debt?
If FFCC appears on your credit report before you understand the account, compare the reported information with the original provider records and collection notices.
Check the original creditor or provider name, balance, account status, reporting dates, dispute notation, and whether the three nationwide credit bureaus show consistent information. A dispute notation means the consumer challenged the account. It does not by itself show that the underlying provider records were corrected.
When a consumer brings us this type of reporting problem, we also compare the provider ledger, payments, insurance adjustments, and collection placement. That can help separate an original billing problem from a collection-record problem or a separate credit-reporting issue.
What Should I Document If Collection Calls Continue While I Dispute the Account?
Document the actual communications, including when they occurred, which number called, and what was said.
Preserve call dates and times, phone numbers, voicemails, text messages if any, written notices, caller statements, dispute correspondence, delivery confirmation, and later responses.
One BBB complaint alleged intimidating telephone communication during a disputed medical-account conversation. That remains an allegation rather than a proven finding.
In our practice, a dated communication record is more useful than a general statement that the collector kept calling. The timeline can show whether calls came before or after a documented dispute, what representations were made, and whether the communication problem is tied to the same disputed account.
Has First Federal Credit & Collections Been Sued?
Yes. Verified federal records show FDCPA lawsuits involving Alchro, Inc. and the First Federal Credit & Collections name, but the existence of a lawsuit does not establish liability.
In Becker v. Alchro, Inc. d/b/a First Federal Credit & Collections, the plaintiff alleged violations of the Fair Debt Collection Practices Act. The verified order addressed corporate representation: the court struck a letter submitted for the corporation by a non-lawyer and required the corporation to appear through licensed counsel.
The accessible order does not establish a final finding that FFCC violated the FDCPA.
Court filing: Becker v. Alchro, Inc. d/b/a First Federal Credit & Collections
We treat that litigation as context, not proof about a consumer’s individual calls or account. The consumer’s own provider records, dispute history, and communications remain the more important evidence.
How Can I Contact First Federal Credit & Collections About My Account?
BBB and the last Florida corporate record list the information below. Because Alchro, Inc. is listed as inactive in Florida, verify the recipient before sending payment or time-sensitive legal correspondence.
| Item | Details |
| Phone | (954) 332-2629 |
| Address | 3440 Hollywood Blvd., Suite 415, Hollywood, FL 33021 |
| Website | ffcc.net (listed by BBB) |
| Better Business Bureau | First Federal Credit & Collections BBB Profile |
Older records show different phone numbers and addresses, so do not rely on historical contact information without checking it against the current communication.
When Should I Consider Legal Help With an FFCC Account?
Legal review may be useful when the original provider account, collection balance, identity information, credit reporting, and communication history do not line up.
Consumer Rights Law Firm PLLC may compare the provider ledger, insurance or payment records, collection notices, disputes, credit reports, and call history to identify where the discrepancy began and why it matters. An unfamiliar collector and an inaccurate underlying account are not the same problem, and that distinction can affect payment, dispute, reporting, and communication issues.
| Item | Details |
| Phone | +1 (877) 700-5790 |
| help@consumerlawfirmcenter.com | |
| Website | consumerlawfirmcenter.com |
| Address | 133 Main Street, Second Floor, North Andover, MA 01845 |
| Fax | 844-636-9909 |
| Better Business Bureau | CRLF Better Business Bureau Profile |
Success Stories
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Frequently Asked Questions
Does FFCC Own the Debt It Is Collecting?
Not necessarily. Historical evidence shows FFCC acting as a collection agency for physician practices, but it does not establish that the company purchased every account it collected.
Does FFCC Collect Only Medical Debts?
No. Medical and physician-practice collections are well documented in its history, but a verified historical CFPB record also involved credit-card debt.
What Does “Alchro, Inc. d/b/a First Federal Credit & Collections” Mean?
“d/b/a” means “doing business as.” It shows that the legal corporation Alchro, Inc. operated using the First Federal Credit & Collections business name; it does not prove who owns a particular debt.
Is (954) 332-2628 Still the Current FFCC Number?
An older BBB profile listed (954) 332-2628, while the current BBB profile lists (954) 332-2629. Verify the number on any present communication before sending payment or sensitive information.
Why Might an Older FFCC Document Show 1940 Harrison Street?
An older BBB profile listed 1940 Harrison Street, Suite 202, Hollywood, Florida 33020. The last Florida corporate record and current BBB profile use 3440 Hollywood Blvd., Suite 415, Hollywood, FL 33021, so older correspondence may contain historical contact information.
