Who is First States Financial Services and why might they be contacting me?

First States Financial Services is a third‑party debt collector managing overdue debts. If they're calling you, they likely believe you owe a debt on behalf of a creditor or they purchased it.

Are calls from First States Financial Services legitimate or a scam?

They are a legitimate debt collection agency—but scammers may impersonate them. Always request written validation of any debt to confirm it’s genuine.

How many times per week can First States Financial Services legally call me?

Under FDCPA and the CFPB Debt Collection Rule, calls are presumed abusive if more than seven times in seven days or within seven days after a conversation—repeated calls with intent to harass are prohibited.

Can First States Financial Services call me outside certain hours or at work?

No. Debt collectors may not call before 8 a.m. or after 9 p.m., or contact you at a place you’ve told them is inconvenient, such as your workplace.

What constitutes harassment by First States Financial Services when calling me?

Harassment includes repeated calls, threats of violence or arrest, use of profanity, calling the wrong person, or revealing debt details to third parties—all prohibited by law.

What should I do if First States Financial Services keeps calling me?

Document each call (date, time, what was said), request validation in writing, and send a cease‑and‑desist letter asking them to stop contacting you.

Can I file a complaint or sue First States Financial Services for harassment?

Yes. If they violate FDCPA or TCPA rules, you can file a complaint with the CFPB, FTC, or state attorney general—and possibly sue for damages.

Will First States Financial Services affect my credit score?

Yes. If they report a legitimate delinquent debt to credit bureaus it may negatively impact your score. You can dispute inaccuracies under the Fair Credit Reporting Act.

What kinds of calls are unlawful under the Telephone Consumer Protection Act (TCPA)?

If they use automated dialing technology (robocalls) without your prior written consent, or call wrong numbers repeatedly, they may breach the TCPA.

FirstStates Financial Services Phone Harassment?

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

FirstStates Financial Services Harassing You with Calls?

Is FirstStates Financial Services Corp (FSFS) calling you? Stop First States Financial Services phone harassment. 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.

Following 2026, repeated calls, text messages, or voicemail messages from a debt collector can be deemed harassment under federal law, especially if the telephone conversation is conducted repeatedly with the natural consequence of causing distress. You have the legal right to stop FSFS

Is FirstStates Financial Services Legit?

According to the Better Business Bureau website, they have been in business for 10 years.

First States Financial Services Better Business Bureau

Who is FirstStates Financial Services Debt Collection Agency?

They are a third party debt collector located in West Reading, Pennsylvania. FSFS operates as a debt collection agency engaged in collecting various types of debts, including medical debt and mortgage debt. FSFS has been a party to a Federal Court case several times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer. Aggressive practices, such as attempting to coerce payment or using misleading representations about the original creditor or the legal status of the debt, are prohibited.

Address: 200 Reading Avenue, West Reading, PA 19611
Phone: (610) 376-2007

What FirstStates Financial Services Corp Cannot Do

If they engage in any of the following tactics, you may have a case:

Debt collectors must provide meaningful disclosure of the caller’s identity and may only seek location information or acquire location information about you under strict legal guidelines.
Also they cannot use text message to contact you, and such communications are also regulated.
In-person contact with persons meeting you for debt collection purposes is also subject to legal restrictions.
Debt collector calls to your mobile telephone or repeated telephone conversations can be documented as evidence.
Debt collectors must provide written communication regarding your debt and must cease further communication if you request it in writing.

FirstStates Financial Services Phone Numbers

You must be receiving harassing phone calls from any of the following numbers!

610-376-2007, 610-373-2009, (610) 376-2007, (610) 373-2009, 6103762007, 6103732009

FirstStates Financial Services Complaints

The following is a sample list of complaints filed against FirstStates Financial Services in the past and can be found on Pacer.org.

1:18-cv-11829-NLH-KMW Lamonaca v. FirstStates Financial Services, Corp,

5:10-cv-02855-MAM Coghlan et al v. FirstStates Financial Services, Corp,

5:19-cv-01908-JLS Wann v. FirstStates Financial Services, Corp,

FirstStates Financial Lawsuits

Case Name	Court / Year	Allegations (Summary)	Legal Focus
Lamonaca v. FirstStates Financial Services, Corp.	U.S. District Court, D. New Jersey (2018)	Plaintiff alleged FSFS attempted to collect a debt that was not owed and used misleading statements regarding the nature and validity of the debt.	Alleged FDCPA violations, false or misleading representations
Coghlan et al. v. FirstStates Financial Services, Corp.	U.S. District Court, E.D. Pennsylvania (2010)	Consumers alleged improper debt collection practices, including issues related to how debts were communicated and pursued.	Alleged FDCPA and state consumer law violations
Wann v. FirstStates Financial Services, Corp.	U.S. District Court, E.D. Pennsylvania (2019)	Plaintiff alleged unlawful collection conduct related to consumer debt, raising federal consumer protection concerns.	Alleged FDCPA violations

What You Must Do Against FSFS Harassment

Step 1: Pause before you pay
Do not make payments or promises until the debt is verified in writing. Pressure is not proof.

Step 2: Ask for validation
You have the right to request written confirmation of the debt. Collection activity must pause until it’s provided.

Step 3: Track the contact
Log calls, texts, voicemails, dates, and phone numbers. Patterns matter.

Step 4: Take control
Send a written request telling them to stop contacting you. The law requires them to comply.

Step 5: Get legal backup
If harassment continues, a consumer rights attorney can step in and enforce your rights.

Consumer Law Firm PPLC

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 FirstStates Financial 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 States Financial Services. call us at 855-385-8182 for immediate assistance.

Success Stories

“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.

“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 and the harassment calls stop, 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!!”

FAQs

Is FSFS Corp a scam?

No, they have been in business for 10 years.

Can they garnish my wages?

Yes, FSFS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.

Can FSFS sue me?

Yes, FSFS can sue you so long as the debt is within the statute of limitations

Can FSFS report my debt to the collection bureaus?

Debt collectors may only share information about consumers who allegedly refuse to pay with authorized entities such as consumer reporting agencies.

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.