First Financial Resources, Inc. Debt Collection Harassment!

First Financial Resources Inc Debt Collection Harassment!

Is First Financial Resources, Inc. harassing you with constant phone calls? Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Debt collectors may communicate with consumers through mail, phone calls, or digital messages, but there are legal limitations on how and when they can communicate. Are they telling your family and neighbors that you owe a debt?  If so what they are doing is illegal and needs to stop. You have the legal right to stop First Financial Resources, Inc. phone harassment. 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.

Introduction to Debt Collection

Debt collection is the process by which a debt collector or collection agency seeks to recover payment on debts owed by individuals or businesses. Debt collectors, including those from first financial resources, are required to follow fair debt collection practices as outlined in the Fair Debt Collection Practices Act (FDCPA). This federal law is designed to protect consumers from abusive, unfair, or deceptive practices during the debt collection process. Whether you are dealing with credit card debt, medical bills, or other types of debts, understanding your rights is essential. The FDCPA ensures that debt collectors cannot use harassment, threats, or deceptive practices to collect a debt. If you are contacted by a debt collector, knowing the laws and your legal rights can help you respond appropriately and protect yourself from debt collection harassment.

Is First Financial Resources Inc a scam?

According to the Better Business Bureau website, First Financial Resources, Inc. has been in business since 1990. There have been 3 customer complaints filed on the BBB website. Read more here: First Financial Resources Inc.

What is First Financial Resources, Inc.?

According to the BBB, First Financial Resources, Inc. specializes in collection agency services. The business is offering B 2 B collections, private business collections and in-house prevention consulting and much more.

Address: 495 Old Connecticut Path Ste 220 Framingham, MA 01701-4567 Phone: (800) 747-2302 Fax: (508) 647-1557

First Financial Resources, Inc. may also contact consumers by mail. It is important to keep records of any correspondence received by mail from the company.

First Financial Resources Phone Harassment Examples

If First Financial Resources, Inc. 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
• ➢ Calling repeatedly for the wrong person
• ➢ Failing to notify you of your right to dispute the debt
• ➢ Trying to collect more than legally allowed

There are specific rules and legal protections regarding how and when debt collectors are allowed to begin contacting consumers about their debts.

First Financial Resources Phone Numbers

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

• ➡️ (800) 747-2302
• ➡️ (508) 647-5155
• ➡️ (508) 872-2203

If the answer is yes, then you are receiving calls from a known First Financial Resources, Inc. number. You may be a victim of First Financial Resources, Inc. phone harassment.  The list above is not all the numbers that First Financial Resources, Inc. uses. The calls can be from different phone numbers and it still be First Financial Resources, Inc. calling you.  Contact our office right away so we can start the process to stop ARA from calling you illegally. Above all, no one should live with harassment!

The following sections provide answers to common questions about debt collection harassment and your consumer rights.

Debt Collection Process

The debt collection process usually starts when a creditor hires a debt collector or sells your debt to a collection agency. Once a debt collector takes over, they will attempt to contact you—often through phone calls, letters, or even text messages—to collect the amount owed. By law, debt collectors must provide you with information about the debt, including the amount, the name of the original creditor, and your rights to dispute the debt, within five days of first contact. If you believe the debt is not yours or the amount is incorrect, you have the right to dispute the debt and request verification. If the debt is valid, you may be able to negotiate a payment plan or settlement. Understanding each step of the debt collection process and your rights under the FDCPA can help you avoid debt collection harassment and ensure that debt collectors treat you fairly.

Impact on Credit Report

When a debt is sent to a collection agency, it can have a major impact on your credit report. Debt collectors, including first financial resources, may report your debt to the credit bureaus, which can lower your credit score and make it harder to get approved for loans or credit cards in the future. A collection account can remain on your credit report for up to seven years, even if you pay off the debt or settle it. While paying the debt may not immediately remove the negative mark, it can help improve your credit score over time and show future creditors that you are taking responsibility. It’s important to regularly check your credit report for accuracy and to understand how debt collection activity is being reported. Being proactive can help you protect your credit and avoid further debt collection harassment.

Dealing with Old Debts

Old debts, sometimes called “time-barred debts,” can be tricky to handle. The statute of limitations is the time period during which a creditor or debt collector can sue you to collect a debt. Once this period expires, the debt is considered time-barred, and while debt collectors like first financial resources may still attempt to collect, they cannot legally sue you for payment. However, some debt collectors may still contact you about old debts, which can feel like harassment. It’s important to know your state’s statute of limitations and not to make any payments or promises to pay on old debts without understanding your rights, as this could restart the clock on the statute of limitations. If you’re dealing with old debts, make sure you know your legal protections under the FDCPA to avoid unnecessary debt collection harassment.

Financial Resources for Consumers

Consumers facing debt collection have several financial resources and protections available. The Fair Credit Reporting Act (FCRA) helps ensure that your credit report is accurate and gives you the right to dispute any incorrect or incomplete information. The Better Business Bureau (BBB) is a valuable resource for checking the reputation of debt collectors and filing complaints if you experience unfair treatment. Non-profit credit counseling agencies can offer guidance on managing debt, negotiating with collectors, and creating a plan to regain financial stability. Remember, debt collectors like first financial resources must comply with federal laws such as the FDCPA and FCRA, which are designed to protect you from debt collection harassment. Using these resources can help you take control of your financial situation and ensure that your rights are respected throughout the debt collection process.

Complaints Against First Financial Resources

The following is a sample list of complaints filed against First Financial Resources, Inc. and can be found on Pacer.gov.

• 📋 1:11-cv-02130 Tanty v.
• 📋 3:07-cv-00557-JRS Kastrati v.
• 📋 1:06-cv-11922-NG Eannuzzo v.
• 📋 4:06-cv-40110-FDS Saleba v.

There have also been lawsuits filed against First Financial Resources, Inc., and these lawsuits highlight the importance of understanding your legal rights when dealing with debt collectors.

If you are facing debt collection or legal action, it is a good idea to discuss your situation with a legal professional to better understand your options and rights.

Consumer Rights Law Firm PLLC

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. Rather than suffer alone, contact our office to begin the process to stop the First Financial Resources, Inc. 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 Financial Resources, Inc., call us at 877-700-5790 for immediate assistance or visit our website.

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