First Credit Services or FCS is a collection agency that started business in 1993 and that specializes in collections related to the health and fitness industry. Located in Piscataway, New Jersey, FCS has more than 2,500 clients, including fitness clubs, corporate gyms, gyms, martial arts academies, and personal trainers. Their promise is to outperform the companies’ own staff or the collection agency they currently use.
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First Credit Services is a legitimate debt collection agency. It offers both early and late stage collections. Their early stage collection tactics mirror those of other first-party collection agencies, namely phone calls, emails, and letters designed to bring members back into the fold. FCS’ third-party collections incorporate skip tracing, robocalling, and letters, along with credit bureau reporting.
If you’ve suffered from FCS debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of April 2017, the Better Business Bureau reported 31 closed First Credit Services complaints within the previous three years, including 11 closed First Credit Services complaints within the previous 12 months. The BBB gives First Credit Services an A+ rating. In addition, Justia lists 13 FCS complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 42 closed First Credit Services complaints for 2016.
First Credit Services, Inc.
377 Hoes Lane, Suite 200
Piscataway Township, NJ 08854
Phone Number: 800-606-7066
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely FCS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. If you have been unjustly harassed by this debt collection agency, contact us for a free case evaluation
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Phone Numbers Used
Folks have reported receiving debt collection calls from these numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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