First Credit Services Phone Harassment – Know Your Rights and How to Stop the Harassment

Are you receiving relentless calls from First Credit Services? Are the phone calls disrupting your peace, coming at odd hours, or even involving threats and rude behavior? If you’ve experienced this, you’re not alone. First Credit Services phone harassment is a serious concern for many consumers across the United States. Understanding your rights under the Fair Debt Collection Practices Act (FDCPA) and knowing how to respond is the first step toward ending the harassment.

In this blog, we’ll break down what constitutes First Credit Services phone harassment, your legal protections, and how Consumer Rights Law Firm, PLLC can help you take action.


Who is First Credit Services?

First Credit Services, Inc. is a third-party debt collection agency headquartered in New Jersey. The company collects on behalf of various industries, including fitness centers, healthcare providers, automotive finance companies, and subscription services. Their primary goal is to recover debts from consumers, but how they do it is often the subject of consumer complaints.

Common Complaints About First Credit Services

Many consumers report that First Credit Services uses aggressive tactics such as:

●     Repeated and persistent phone calls

●     Automated robocalls

●     Calls to friends, family, or coworkers

●     Calls made early in the morning or late at night

●     Threats of legal action or wage garnishment

●     Failing to identify themselves as debt collectors

If you’ve encountered any of the above, you may be a victim of First Credit Services phone harassment—and you have rights.


What Is Phone Harassment?

Phone harassment is when a debt collector uses abusive, repetitive, or intrusive calling practices to coerce payment. Under the FDCPA, debt collectors are prohibited from:

●     Calling before 8 a.m. or after 9 p.m. (local time)

●     Calling you at work after being told not to

●     Making repeated calls to annoy, abuse, or harass

●     Using obscene or profane language

●     Misrepresenting themselves or the amount of debt

●     Threatening arrest, legal action, or wage garnishment without proper authority

How First Credit Services May Be Violating Your Rights

If First Credit Services is using robocalls, contacting third parties, or calling multiple times a day, they could be breaking the law. Some consumers even report being contacted for debts they don’t owe or that have already been paid.

You do not have to tolerate First Credit Services phone harassment. Legal protections are in place, and professional help is available.


What to Do If You’re Being Harassed

If you’re facing constant or abusive phone calls from First Credit Services, take the following steps:

1. Document Everything

Keep a log of all calls, including:

●     Date and time

●     Caller’s name (if known)

●     Phone number

●     Content of the conversation

●     Any threats or abusive language used

This documentation can serve as valuable evidence if you pursue legal action.

2. Request Debt Validation

Under the FDCPA, you have the right to request a debt validation letter. This forces the collector to provide details about the debt, including:

●     The amount owed

●     The original creditor

●     Proof that you owe the debt

Send this request in writing within 30 days of the first contact. If they cannot validate the debt, they must cease collection efforts.

3. Send a Cease and Desist Letter

You can legally request that First Credit Services stop calling you. Once you send a cease-and-desist letter, they can only contact you to confirm receipt or inform you of legal action.

4. Report the Harassment

If the calls persist, report them to:

●     The Consumer Financial Protection Bureau (CFPB)

●     The Federal Trade Commission (FTC)

●     Your State Attorney General’s Office

These agencies can take action against abusive collection practices.


Consumer Rights Law Firm, PLLC – Your Ally Against Harassment

Dealing with First Credit Services phone harassment can be emotionally exhausting and intimidating. Fortunately, you don’t have to face it alone. Consumer Rights Law Firm, PLLC specializes in protecting consumers from abusive debt collection practices.

How They Help:

✔ Free Case Evaluation

Their experienced legal team will review your case for free and determine whether your rights have been violated.

✔ Stop the Harassment

Once you retain the firm, all communications must go through your attorney. This means the harassing calls stop—immediately.

✔ Legal Action and Compensation

If First Credit Services violated the FDCPA, you may be entitled to:

●     Up to $1,000 in statutory damages

●     Compensation for emotional distress

●     Attorney’s fees covered by the collector

✔ No Out-of-Pocket Cost

Consumer Rights Law Firm works on a contingency basis—meaning you pay nothing unless they win your case.


Your Legal Rights Under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from deceptive, unfair, and abusive debt collection practices. Under this law, you have the right to:

●     Dispute the debt

●     Request debt validation

●     Stop phone calls through a written request

●     File a lawsuit against the debt collector

First Credit Services phone harassment could violate one or more of these provisions. If they do, the law is on your side.


Can You Sue First Credit Services?

Yes, you can. If they’ve violated the FDCPA, you may be eligible to file a lawsuit. The law allows you to recover:

●     Statutory damages up to $1,000

●     Actual damages for financial loss or emotional distress

●     Court costs and attorney fees

Consumer Rights Law Firm, PLLC has successfully represented countless clients in similar cases and can do the same for you.


Real-Life Examples of Phone Harassment

Here are a few anonymized examples of how First Credit Services allegedly harasses consumers:

Case 1: Repeated Robocalls
 John received up to six robocalls daily for a gym membership he canceled years ago. Despite asking for proof of the debt, the calls continued. Consumer Rights Law Firm helped him file a complaint and secured a $1,000 settlement.

Case 2: Threats of Legal Action
 Mary was told she would be sued if she didn’t pay a debt she disputed. She contacted Consumer Rights Law Firm and was informed that the collector’s threats were illegal. The firm helped her stop the harassment and get compensation.


FAQs About First Credit Services Phone Harassment

Q1: Can First Credit Services call me at work?
 Only if your employer allows it. If you tell them to stop, they must legally comply.

Q2: What if the debt is not mine?
 You can dispute it. They must provide verification. If they cannot, they must stop collection attempts.

Q3: Are robocalls from First Credit Services legal?
 Not always. Without your prior consent, automated calls to your cell phone may violate the Telephone Consumer Protection Act (TCPA).

Q4: Can I block their number?
 Yes, but blocking may not stop them from using other numbers or methods. Legal action is more effective.

Q5: How long do I have to file a complaint?
 You have one year from the date of the violation to file an FDCPA claim.


Don’t Suffer in Silence – Take Action Today

First Credit Services is known for aggressive debt collection tactics that may cross the line into harassment. If you’re overwhelmed by constant phone calls, threats, or pressure tactics, know that you have rights—and legal recourse.

Consumer Rights Law Firm, PLLC has helped thousands of consumers like you stand up to debt collectors and end the harassment for good.


Ready to Stop the Calls?

Call Consumer Rights Law Firm, PLLC today for a free consultation. Don’t wait until the harassment worsens. Let a trusted legal team fight for your rights and bring peace back to your life.

Take control. Know your rights. Stop the calls.

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