You may be feeling confused or even scared if a company called First Credit Services has recently contacted you and asked you to pay them money. Luckily, you have access to information and resources that will allow you to fight First Credit Services and permanently stop their calls.
Below you’ll find everything you need to know about what debts First Credit Services collects and what your debt collection rights are.
Table of Contents
What is First Credit Services?
First Credit Services, Inc. is a debt collection agency that operates in a wide range of industries. They’re currently based in Columbus, GA and have been in business since 1993. 1
The company provides the following debt collection services:
- First-party collections
- Third-party collections
- Business process outsourcing (BPO)
- Claims management for medical debts
In addition to using the name First Credit Services, the company also does business as Accounts Receivable Technologies. 2
What debts does First Credit Services collect?
First Credit collects debts on behalf of companies in various sectors. Specifically, they may ask you to pay any of the following types of debt: 3
- Auto loans
- Credit cards
- Consumer loans
- Government debt
- Health and fitness club memberships
- Medical bills
- Other debts owed to financial institutions
Since First Credit handles both first-party and third-party collections, there’s a chance that they’ve actually bought your debt from your creditor. If this is the case, they won’t actually be working for another company.
Is First Credit Services a scam company?
No, First Credit Services isn’t a scam. They’re a real and legit debt collection agency, and they’re accredited by the Better Business Bureau (BBB). 4 They also have memberships with the Receivables Management Association International (RMAI) and ACA International. 5 6
Even though First Credit isn’t a scam, there’s no guarantee that they’ll always abide by debt collection laws. Unfortunately, it’s not uncommon for debt collectors to violate consumer rights through harassment, deception, or negligent collection practices.
It’s also worth noting that scammers sometimes pose as legit debt collectors. Never give out your personal information or send money to someone claiming to be a debt collector without first contacting the debt collection agency directly to verify the debt. You can contact First Credit Services using the information below.
How to deal with First Credit Services
Ready to take control of your debt with First Credit Services? Choose the methods you want to attempt below.
If the debt is inaccurate, learn how to remove the collection from your credit report.
If your rights are being violated, learn how to fight back using protections under federal law.
If you're not certain the debt is yours, request more information (and temporarily stop collection efforts).
If you're ready to pay up, learn how to do it in a way that keeps you on better financial footing.