Skip to content
STOP DEBT ABUSE NOW!
Debt Collection
Agencies
Free Legal Help

Updated on Author: Contributor: Sergei Lemberg

Are You Being Called By First Credit Services?*


If you run into financial trouble, you may eventually default on one or all of your monthly obligations. After a certain number of missed payments, your creditors may assign the accounts to a collection agency.

This can make a stressful situation even worse, but never forget that no matter how much you owe, you still have rights.

Your Rights Under the FDCPA

Debt collectors can be persistent when trying to collect your money, but you don’t have to tolerate abuse. The Fair Debt Collection Practices Act, or FDCPA, prohibits third-party collection agencies from using pressure tactics like those below when dealing with you.

  • Calling before 8:00 a.m. and after 9:00 p.m. in the consumer’s time zone
  • Talking to anyone except you, your spouse, or your attorney about the debt
  • Failing or refusing to identify themselves as debt collectors in every communication
  • Using profane or obscene language
  • Calling you at work when your employer does not allow such calls
  • Pretending to be police officers or federal agents

Need Help With First Credit Services?

Call for a Free Case Evaluation Now!

Company Profile: First Credit Services

If you are being called by First Credit Services, more information about the company is available below.

First Credit Services is a debt collection agency located in Woodbridge, New Jersey. It was established in 1999, has 448 employees, and is managed by its CEO, Rajesh Chhabria.

Digitized litigation records archived at the PACER website indicate that consumers who felt they were being harassed by First Credit Services challenged the company to prove its claim against them.

Are You Being Called By First Credit Services?*

Need Help With First Credit Services?

Call for a Free Case Evaluation Now!

Alleged Violations against First Credit Services

According to PACER, in or around early 2011, First Credit Services allegedly started calling a Florida consumer to collect an alleged gym membership debt. He claimed that he told the agency to stop calling, but the communications continued, sometimes twice a day.

Feeling harassed by First Credit Services, the consumer filed an FDCPA lawsuit against the company for:

  • Harassing him by phone
  • Continuing to call after being asked to stop

The matter was later settled.

Need Help With First Credit Services?

Call for a Free Case Evaluation Now!

Hire a Consumer Lawyer

The phone numbers for First Credit Services are:

If you see them on your caller ID when the phone rings, be aware that First Credit Services is calling. If you tell them to stop calling you and they ignore you, send them an even stronger message by hiring a consumer lawyer and filing a claim against First Credit Services.

They could be ordered to pay you $1000 per FDCPA violation and cover your attorney fees, so when you know a collection agency has crossed the line with you, fight back.

Need Help With First Credit Services?

Call for a Free Case Evaluation Now!

Additional Resources

Case taken from PACER (pacer.gov). File number is Case 0:11-cv-62010-WPD from the United States District Court for the Southern District of Florida, Fort Lauderdale Division.

*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against First Credit Services, or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributor: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributor: Sergei Lemberg
One response to “Are You Being Called By First Credit Services?*

Melanie T

June 21, 2024

First Credit Services Inc called me and I could not even understand the person, the email he gave me was not legit and the phone number he called from would not ring. Now I have received a letter from them claiming they have have gone over my request for verification and my letter of dispute and are reporting this account to a credit reporting agency. I was not able to send a letter of dipute because of fake email. I stopped my payments to a gym because I could no longer use them and they would not even consider cancelling my membership. How do I go about this issue?

Leave a Comment

Write a comment below to share your experience. Or, instead you can send a secure message to our legal team.
Email & phone number are required to block spam, but will not be published.

Briefly describe your experience

Briefly describe your experience

What’s your name?

What’s your name?

What’s your email address?

Please enter a valid email address.

What’s your phone number?

Please enter a valid phone number.

Want to know if you could sue? Get a free legal evaluation.

Free Case Evaluation

    1. Please fill out your contact information:
    2. Has a debt collection done any of the following:

    By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.

    GET YOUR
    FREE
    CASE EVALUATION

      By submitting above, I agree to the privacy policy and disclaimer and consent to be contacted by an agent via phone call or text message at the phone number(s) listed above, including wireless number(s). Calls may be auto-dialed/pre-recorded. Consent is not required to utilize our services.